EXPLORING HOMEOWNERSHIP ROOM BY ROOM

Manufactured homes and modular homes are not created equal – at least not from the perspective of a home lender. Mortgages for manufactured homes have a...

Planning for retirement doesn’t exactly top the list when you’re young and still figuring out what you want to be when you grow up. It can even be more...

Cats make wonderful pets. Whether they are affectionate or aloof, they bring joy and humor to any home. As a member of the family, you love them. As the...

Budgeting requires discipline, and everyone budgets (or doesn’t) differently. Many budgets require designating a purpose to every dollar, or a lengthy list...

Cold winter days call for comfort foods. Short on time? No worries. Crock-Pot recipes fit into a busy lifestyle -- just set it and forget it. Here are some...

The term “credit” can be defined as money, goods, or services given with the expectation of future repayment. Typically, credit is offered under specific...

The start of the year is a great time to make resolutions and set goals. At Ruoff Mortgage, we believe that homeownership is a goal that anyone can attain,...

While traversing icy roads and trekking through snow banks might not be the most appealing way to find a new home, it could be the smartest. Winter urges us...

It’s often been said that the New Year’s Resolution should be called the “January Resolution.” Perhaps this is because so many good intentions go down the...