The Porch

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.

Veterans Day is right around the corner. It’s a great time to pause and reflect on not just those who have served, but also on how we can...

When it comes to home financing, every percentage point on your mortgage rate can make a big difference over time. One strategy some buyers...