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The Keys to Homeownership

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Latest Articles

Mortgage 101, Refinancing

Should I Refinance My Mortgage?

Deciding to refinance your mortgage can feel like a big decision, but it’s one that many homeowners face at some point. So, how do you know...

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Mortgage 101

Should I Get a 30 Year Mortgage?

When diving into the world of home loans, one option that often stands out is the 30-year mortgage. It’s a popular choice, but why do so...

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Mortgage 101

How Long Does a Mortgage Pre-Approval Last?

Getting pre-approved is one of the most important first steps in the homebuying journey – but many buyers don’t realize it comes with a...

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Mortgage 101

How to Calculate Your Mortgage Payment (Without the Guesswork)

If you’re thinking about buying a home, one of the first questions you’ll ask is: What will my monthly mortgage payment be?

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Mortgage 101

Why Closing Day is Crucial in Your Home Buying or Refinancing Journey

In the world of real estate, closing day is akin to a grand finale. It's the day when the home purchase or refinance transaction is...

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Mortgage 101

How Long Does the Mortgage Process Take? Here’s What to Expect

One of the first questions many homebuyers ask is simple: How long does the mortgage process take?

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Mortgage 101

How much mortgage can I afford?

One of the first and most important questions in the homebuying journey is: how much mortgage can I afford? While lenders can provide...

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Mortgage 101

What are the requirements for VA loans?

For many veterans and active military service members, buying a home can seem like a daunting task. The VA loan, guaranteed by the U.S....

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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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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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