The Porch

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...

Hosting Thanksgiving can be a very exciting, yet very overwhelming task. From making sure you have enough space for everyone, enough food...

When you're buying a home, it’s easy to focus on the big-ticket numbers—purchase price, down payment, loan details. But there’s a quieter...

The holidays are a time of reflection and reconnection. The holidays are also often a time when many of us realize just how much our home...

When you're buying a home, it’s easy to focus on just the loan amount and interest rate. But there’s a bigger picture—and it’s called PITI.