The Porch

The Keys to Homeownership

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Lifestyle

Outdoor Living Season Is Back: Get Your Patio, Porch, or Backyard Ready for Spring

After a cold and harsh winter, many of us are eager to get outside and soak up some sunshine. It’s the time of year for front porch coffee,...

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Mortgage 101

What down payment assistance programs are there at Ruoff Mortgage?

For many homebuyers, especially first-time buyers, the biggest obstacle isn’t qualifying for a loan—it’s coming up with the upfront cash....

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Celebrate Earth Day: Eco-Friendly Upgrades That Make a Difference

Earth Day. A day where Kermit the Frog’s “It isn’t easy being green” takes on a whole new meaning. While being green isn’t always easy,...

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Mortgage 101

How do mortgage rates impact my monthly payment?

When you're preparing to buy a home, one of the most important factors to understand is your mortgage rate. While home price and down...

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Lifestyle

From Dreaming to Doing: How to Turn Spring Home Goals Into a Game Plan

Do your spring home goals include buying a new house? Have you been dreaming about more space, a better neighborhood, or even a better...

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Mortgage 101

How Do I Get Pre-Approved for a Mortgage?

If you're thinking about buying a home, you've probably heard the term "pre-approval" thrown around a lot. And for good reason – it’s a key...

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Branch Spotlight: With rich town history, the Niles Ruoff team offers small town charm with convenient access to city accommodations.

With a rich historical background, a 30-minute drive to Lake Michigan’s shoreline, and a 90-minute drive to Chicago, Niles, Michigan offers...

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Mortgage 101

Spring Forward: Is March the Right Time to Buy or Refinance?

Spring is a great time to buy or refinance. If you’ve been considering making a move, March can be the perfect time to take action.

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Mortgage 101

What Types of Mortgages Are There? A Deep Dive for Homebuyers

If you’re getting serious about buying a home – or even just starting to explore the possibility – you’ve probably realized there’s more...

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Finances

Tax Season & Your Mortgage: How Your Refund Could Help You Reach Your Home Goals

Tax season is just around the corner. While it may not be the most exciting time of year, there’s one part many people look forward to –...

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