Posts in category 'Ruhl Mortgage'
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6
Expert Financing Tip from Ruhl Mortgage
What's the mortgage tip for homebuyers and sellers this summer? Have your homeowners insurance configured early! Chris Schneider, President of Ruhl Mortgage, suggests getting your insurance lined up, "as soon as you get a home under contract." Why? Many clients want to know their full payment amount prior to closing. To ensure that your closing does in fact happen on time and accurate figures are used, your loan officer needs your final insurance premium amount. Often this information is overlooked or saved until the very end of the process because it is thought to not greatly influence one's mortgage. "We will see a client negotiate hard for a few thousand dollars on the purchase price, which only changes the payment on a 30-year loan about 5/per thousand," says Schneider, "but then they will get an expensive insurance policy from a national carrier," which may change the amount factored into your monthly mort...
6
Military Homeownership Assistance Program
If you are a military service member or a veteran looking to buy a home in Iowa, you may qualify for financial assistance. Ruhl Mortgage participates in the Iowa Military Service Downpayment Assistance Program and wants to give you more information on qualifying for and participating in this program. This statewide Military benefit provides a down payment of up to $5,000. It is available to eligible Iowa service members and veterans through the
5
Assistance Available for Illinois Homebuyers
Buying a home is likely one of the largest purchases you'll make. While homeownership is a rewarding investment, the upfront cost can be intimidating. The good news is, if you're looking to buy a home in Illinois, you may qualify for financial assistance. Economic Growth Corporation (GROWTH) has compiled a list of homeownership programs available to Illinois buyers who qualify. Overall, the programs are meant to encourage homeownership and enhance our communities through tax revenue. GROWTH offers HUD-approved counseling, literacy programs, and guidance to those who qualify. The qualification requirements for each program are different, and the downpayment assistance, closing cost credits, and neighborhood-specific i...
6
Buyer Confidence and Low Mortgage Rates Will Drive the Market in 2020
Look for prices to continue to increase in 2020, as demand continues to exceed supply in affordable homes, and more first time buyers enter the market. REAL Trends analysis shows there is no correlation between a presidential election year and housing sales. Buyer confidence, historically low mortgage rates and the availability (or lack thereof) of inventory will determine home sales in 2020. Across our region in 2019, 2% fewer properties sold than in 2018, but sales volume was up 2% because the average sales price was up 4%. There was considerable variation from market to market, which can be seen on our Regional Activity Chart below.
Forecast for 2020
1. Appreciation and Price Increases Will Continue
In our region, homes appreciated from 2.02% to 3.52% last year...
25
10 Ways to Improve Your Credit Score
- Always pay on time: "No lender likes to lend money to an individual who has a repeated record of missi...
