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Ruhl&Ruhl REALTORS

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October
30

There are some people who have not purchased homes yet because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent-free, you are paying a mortgage - either yours or your landlord's. As Entrepreneur Magazine, explained in their article,

"While renting on a temporary basis isn't terrible, you should most certainly own the roof over your head if you're serious about your finances. It won't make you rich overnight, but by renting, you're paying someone else's mortgage. In effect, you're making someone else rich."
Christina Boyle, Senior Vice President and head of the Single-Family Sales & Relationship Management organization at Freddie Mac, explains another benefit of securing a mortgage vs. paying rent:
"With a 30-year fixed ra...

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October
20

If you are thinking of moving within the next year, there are things you can do now that will save you money and headaches when it comes time to list your property. One of the most beneficial – and often overlooked – steps you can take now is to order a pre-inspection. Most people don't think about an inspection before they list their home for sale. However, it is a critical step for you to take to sell your home in the least amount of time possible, for the most amount of money possible, and with as little hassle as possible. Here's why a home inspection prior to listing helps:

  • You have more control of the process. When you order the inspection, you get to walk around your home with the inspector and ask questions.  This allows you the opportunity to explain issues and/or correct any mistakes on the report.  You can't do this if you wait for the buyer to order the inspection.
  • You get to decide.

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October
12

How do you select the members of your team who are going to help you make your dream of owning a home a reality? What should you be looking for? How do you know if you've found the right agent or lender? The most important characteristic that you should be looking for in your agent is someone who is going to take the time to really educate you on the choices available to you and your ability to buy in today's market. As Dave Ramsey, the financial guru, advises:

"When getting help with money, whether it's insurance, real estate or investments, you should always look for someone with the heart of a teacher, not the heart of a salesman."
Do your research. Ask your friends and family for recommendations of professionals whom they have used in the past and have had good experiences with. Look for members of your team who will be honest and trustworthy; after all, you will be trusting them with helping you make one of the biggest financial decisi...

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