The Porch

As the new year approaches, many people are surely starting to draft their new year’s resolutions. Maybe your new year’s resolutions have...

When you buy a home, there’s a lot to think about—budgets, inspections, moving trucks, loan paperwork. But one thing that often gets...

The start of a new year always brings fresh energy. New goals. New plans. Maybe even a new home on the horizon. If you’ve been thinking...

When you're buying a home or refinancing, there's a lot of paperwork. But one document stands out as the last big checkpoint before you...

Some people use cleaning as a way to reduce stress and get things off their mind – an excuse to stream their favorite music and get off the...

Buying a home is exciting—but also a major financial decision. One of the most critical steps in the process? The home inspection. It’s not...

As winter quickly approaches, many homeowners start thinking about cozy fires, snow-covered rooftops, and hot cocoa. But before you get too...

If you’ve ever bought or refinanced a home, you’ve likely heard the term “closing date” tossed around a lot. And if you’re just starting...

Happy Thanksgiving! From everyone here at Ruoff Mortgage, we hope you had a great day. Now that Thanksgiving has come and gone, many of us...

When you're exploring ways to buy a home, you'll likely come across the term government-backed loan. It sounds official—and it is—but more...