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38        <title>     The Porch | Ruoff Mortgage
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148        
149        
150                    <div id="maintenanceBannerSpacer"></div>
151<div
152	class="header">
153			
154	<div class="top-bar">
155		<a href="/">
156			<img src="https://webresources.ruoff.com/ruoff-registered-color-horizontal/png/250/0" alt="Ruoff Mortgage Logo" class="top-bar__logo"/>
157		</a>
158		<div class="top-bar__right-block">
159			<div class="contrast-toggle-container">
160				<div class="contrastToggle">
161					<span class="label">High Contrast:</span>
162
163					<div class="onoffswitch">
164						<input type="checkbox" name="onoffswitch" class="onoffswitch-checkbox" id="myonoffswitch" tabindex="0"/>
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168							<span class="onoffswitch-inner"></span>
169							<span class="onoffswitch-switch"></span>
170						</label>
171					</div>
172				</div>
173			</div>
174
175			<a href="https://apply.ruoff.com" class="btn btn-header btn-teal-fill-new header-button get-started-link" >
176				<span>Get Started</span>
177			</a>
178			<a href="/contact-us" class="btn btn-header btn-teal-clear-new header-button">
179				<span>Contact Us</span>
180			</a>
181		</div>
182		<label for="menuToggle" class="sr-only">Navigation Menu</label>
183		<button id="menuToggle" aria-expanded="false" class="menu-toggle closed">
184			<i class="fas fa-bars" id="menuToggleIcon" style="font-size: 24px; color: black;"></i>
185
186
187		</button>
188	</div>
189
190	<!-- DESKTOP NAVBAR -->
191		<div class="navbar">
192		<ul
193			class="nav">
194						<li class="nav__link">
195				<a href="/buy-a-home">Buy a Home</a>
196			</li>
197
198						<li class="nav__link">
199				<a href="/refinance">Refinance</a>
200			</li>
201						<li id="loan-options" class="nav__link droppable ">
202				<span tabindex="0">
203					Loan Options
204					<img src="/images/dropdown_icon_orange.png" alt="Dropdown Icon"/>
205				</span>
206
207				<div class="dropdown">
208					<ul class="dropdown__container">
209						<li class="dropdown__link ">
210							<a href="/loan-options/purchase">
211								Purchase
212							</a>
213						</li>
214						<li class="dropdown__link ">
215							<a href="/loan-options/refinance">
216								Refinance
217							</a>
218						</li>
219						<li class="dropdown__link ">
220							<a href="/loan-options/renovation">
221								Renovation
222							</a>
223						</li>
224						<li class="dropdown__link ">
225							<a href="/loan-options/new-construction">
226								New Construction
227							</a>
228						</li>
229						<li class="dropdown__link ">
230							<a href="/loan-options/purchase/reverse-mortgage">
231								Reverse Mortgage
232							</a>
233						</li>
234					</ul>
235				</div>
236			</li>
237
238						<li class="nav__link droppable">
239				<a href="/resources">Resources
240					<img src="/images/dropdown_icon_orange.png" alt="Dropdown Icon"/>
241				</a>
242
243				<div class="dropdown verticalOverflow">
244					<ul class="dropdown__container">
245						<li class="dropdown__link">
246							<a href="/calculators">Calculators</a>
247						</li>
248						<li class="dropdown__link">
249							<a href="/faqs">FAQs</a>
250						</li>
251						<li class="dropdown__link">
252							<a href="/guides">Guides</a>
253						</li>
254						<li class="dropdown__link">
255							<a href="/blog">Blog</a>
256						</li>
257						<li class="dropdown__link">
258							<a href="/mobile-apps">Mobile Apps</a>
259						</li>
260						<li class="dropdown__link">
261							<a href="/worksheets">Worksheets</a>
262						</li>
263						<li class="dropdown__link">
264							<a href="/glossary">Glossary</a>
265						</li>
266						<li class="dropdown__link">
267							<a href="/rewards">Rewards</a>
268						</li>
269					</ul>
270				</div>
271			</li>
272
273						<li class="nav__link">
274				<a href="/find-a-loan-officer">Find a Loan Officer</a>
275			</li>
276
277						<li class="nav__link droppable">
278				<a href="/about-us">About Us
279					<img src="/images/dropdown_icon_orange.png" alt="Dropdown Icon"/></a>
280
281				<div class="dropdown">
282					<ul class="dropdown__container">
283						<li class="dropdown__link">
284							<a href="/our-process">Our Process</a>
285						</li>
286						<li class="dropdown__link">
287							<a href="/our-leadership">Our Leadership</a>
288						</li>
289												<li class="dropdown__link">
290							<a href="/careers">
291								Careers
292							</a>
293						</li>
294						<li class="dropdown__link">
295							<a href="https://news.ruoff.com/" target="_blank">Press Room</a>
296						</li>
297						<li class="dropdown__link">
298							<a href="/our-impact">Our Impact</a>
299						</li>
300					</ul>
301				</div>
302			</li>
303
304						<li class="nav__link nav__link--login">
305				<a href="/login">
306					<span>Login</span>
307					<svg
308						xmlns="http://www.w3.org/2000/svg" viewbox="0 0 512 512">
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312				</a>
313
314			</li>
315		</ul>
316	</div>
317
318	<!-- MOBILE MENU -->
319	<div class="mobile-menu">
320		<div id="maintenanceBannerMobileSpacer"></div>
321		<ul
322			class="mobile-menu__menu-container">
323						<li class="mobile-menu__link">
324				<a class="grow" href="/buy-a-home">Buy a Home</a>
325			</li>
326
327						<li class="mobile-menu__link">
328				<a class="grow" href="/refinance">Refinance</a>
329			</li>
330
331						<ul class="mobile-menu__link-container">
332				<li class="mobile-menu__link">
333					<span id="loanOptions" class="grow">Loan Options</span>
334				</li>
335
336				<label for="loanOptionsToggle" class="sr-only">Loan Options Dropdown</label>
337				<button id="loanOptionsToggle" alt="Menu toggle icon" class="fas fa-chevron-down mobile-drop" data-toggle="loanOptions" aria-expanded="false"></button>
338
339				<div class="mobile-drop-background"/>
340			</ul>
341			<ul class="mobile-menu__dropdown" data-drop="loanOptions">
342				<li class="mobile-menu__dropdown-link">
343					<a href="/loan-options/purchase">
344						Purchase
345					</a>
346				</li>
347				<li class="mobile-menu__dropdown-link">
348					<a href="/loan-options/refinance">
349						Refinance
350					</a>
351				</li>
352				<li class="mobile-menu__dropdown-link">
353					<a href="/loan-options/renovation">
354						Renovation
355					</a>
356				</li>
357				<li class="mobile-menu__dropdown-link">
358					<a href="/loan-options/new-construction">
359						New Construction
360					</a>
361				</li>
362				<li class="mobile-menu__dropdown-link">
363					<a href="/loan-options/purchase/reverse-mortgage">
364						Reverse Mortgage
365					</a>
366				</li>
367			</ul>
368
369						<ul class="mobile-menu__link-container">
370
371				<li class="mobile-menu__link">
372					<a class="grow" href="/resources">Resources</a>
373				</li>
374
375				<label for="resourcesToggle" class="sr-only">Resources Dropdown</label>
376				<button id="resourcesToggle" alt="Menu toggle icon" class="fas fa-chevron-down mobile-drop" data-toggle="resources" aria-expanded="false"></button>
377				<div class="mobile-drop-background"/>
378
379			</ul>
380			<ul class="mobile-menu__dropdown" data-drop="resources">
381				<li class="mobile-menu__dropdown-link">
382					<a href="/calculators">Calculators</a>
383				</li>
384				<li class="mobile-menu__dropdown-link">
385					<a href="/faqs">FAQ</a>
386				</li>
387				<li class="mobile-menu__dropdown-link">
388					<a href="/guides">Guides</a>
389				</li>
390				<li class="mobile-menu__dropdown-link">
391					<a href="/blog" target="_blank">Blog</a>
392				</li>
393				<li class="mobile-menu__dropdown-link">
394					<a href="/mobile-apps">Mobile Apps</a>
395				</li>
396				<li class="mobile-menu__dropdown-link">
397					<a href="/worksheets">Worksheets</a>
398				</li>
399				<li class="mobile-menu__dropdown-link">
400					<a href="/glossary">Glossary</a>
401				</li>
402				<li class="mobile-menu__dropdown-link">
403					<a href="/rewards">Rewards</a>
404				</li>
405			</ul>
406
407						<span class="mobile-menu__link">
408				<a class="grow" href="/find-a-loan-officer">Find a Loan Officer</a>
409			</span>
410
411						<ul class="mobile-menu__link-container">
412				<li class="mobile-menu__link">
413					<a class="grow" href="/about-us">About Us</a>
414				</li>
415
416				<label for="aboutUsToggle" class="sr-only">About Us Dropdown</label>
417				<button id="aboutUsToggle" alt="Menu toggle icon" class="fas fa-chevron-down mobile-drop" data-toggle="aboutUs" aria-expanded="false"></button>
418				<li class="mobile-drop-background"/>
419
420			</ul>
421			<ul class="mobile-menu__dropdown" data-drop="aboutUs">
422				<li class="mobile-menu__dropdown-link">
423					<a href="/our-process">Our Process</a>
424				</li>
425				<li class="mobile-menu__dropdown-link">
426					<a href="/our-leadership">Our Leadership</a>
427				</li>
428				<li class="mobile-menu__dropdown-link">
429					<a href="/careers" target="_blank">
430						Careers
431					</a>
432				</li>
433				<li class="mobile-menu__dropdown-link">
434					<a href="https://news.ruoff.com/" target="_blank">Press Room</a>
435				</li>
436				<li class="mobile-menu__dropdown-link">
437					<a href="/our-impact">Our Impact</a>
438				</li>
439			</ul>
440
441						<div class="mobile-menu__link-container">
442				<div class="mobile-menu__link">
443					<a href="/login" class="grow">
444						Login
445					</a>
446				</div>
447				<a href="/login" class="icon-wrap" tabindex="-1">
448					<svg
449						xmlns="http://www.w3.org/2000/svg" viewbox="0 0 512 512">
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452					</svg>
453				</a>
454			</div>
455
456						<span class="mobile-menu__link">
457				<a class="grow" href="/contact-us">Contact Us</a>
458			</span>
459		</ul>
460	</div>
461
462	
462<script>
463		document.addEventListener("DOMContentLoaded", function () {
464const loanOfficerRoute = sessionStorage.getItem("loan-officer");
465
466if (! loanOfficerRoute) 
467return;
468
469
470// Update links with sessionPath value
471const getStartedLink = document.querySelector(".get-started-link");
472getStartedLink.href += loanOfficerRoute;
473});
474	</script>
474
475</div>
476            <div id="headerCorrection"></div>
477        
478        
479<section class="hero">
480	<div class="porchLogoContainer">
481	    <img
482            src="/images/welcometoporch.png"
483            alt="The Porch logo"
484            class="porchLogo"
485        />
486	</div>
487  <div class="subscribeWrapper">
488    <div class="subscribeButton" id="subscribeButton">
489      <i class="fal fa-envelope-open-text"></i>
490      <p>Subscribe<p>
491    </div>
492  </div>
493  <div class="modalContainer" id="modalContainer">
494    <div class="modalContent">
495    <div class="modalOverlay">
496      <i class="far fa-times-circle" id="closeModalX"></i>
497      <div class="modalContentMain">
498        <i class="fal fa-envelope-open-text"></i>
499        <h3>SUBSCRIBE</h3>
500        <p>Subscribe to our newsletter to get the latest articles & news</p>
501        <div class="subscribeInputContainer">
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514      </div>
515    </div>
516  </div>
517    <div class="slideshow">
518        <div id="blogPostSlider"></div>
519    </div>
520</section>
521
522<div class="blog">
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546</section>
547
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549        
550
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624pic":"Home Selling","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/GettyImages-1194074509.jpg","description":"There are some things beyond your control that can negatively affect your home appraisal, but there's plenty you can fix.","pubDate":{"date":"2021-07-02 12:29:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1704,"title":"Firework Safety on Independence Day","link":"https:\/\/blog.ruoff.com\/firework-safety-on-independence-day","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/fireworks-safety-1.jpg","description":"Fireworks are a staple of July 4th. If you decide to light your own and they are legal in your area, here are some tips to do it safely.","pubDate":{"date":"2021-07-01 15:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1705,"title":"Recipe Sites to Inspire You This Summer","link":"https:\/\/blog.ruoff.com\/recipe-sites-to-inspire-you-this-summer","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/recipe-sites-to-inspire-you-this-summer.jpg","description":"If you\u2019re in need of some inspiration in the kitchen, sometimes it helps to expand your horizons beyond your Pinterest feed.","pubDate":{"date":"2021-06-30 14:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1706,"title":"Backyard Storage Options","link":"https:\/\/blog.ruoff.com\/backyard-storage-options","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/GettyImages-1222034537-1.jpg","description":"Backyards often function as the catch-all for a family\u2019s abundance of stuff. However, your lawn doesn\u2019t have to become nature\u2019s junk drawer.","pubDate":{"date":"2021-06-28 18:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1707,"title":"Senior Advice for Finding, Buying, and Moving Into Your New Home","link":"https:\/\/blog.ruoff.com\/senior-advice-for-finding-buying-and-moving-into-your-new-home","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/old.png","description":"For many seniors, moving into a new home and downsizing at this point in their life can make a lot of sense.","pubDate":{"date":"2021-06-25 14:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1708,"title":"DTI and Your Credit Score: Get the Facts","link":"https:\/\/blog.ruoff.com\/dti-and-your-credit-score-get-the-facts","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/DTI-and-Your-Credit-Score.jpg","description":"When evaluating you for a mortgage, lenders look at your financial health and certain markers like DTI (debt-to-income) and credit score are a big part of it.","pubDate":{"date":"2021-06-24 13:26:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1709,"title":"Want to Flip Houses in Retirement? Here\u2019s How to Do It Successfully","link":"https:\/\/blog.ruoff.com\/want-to-flip-houses-in-retirement-heres-how-to-do-it-successfully","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/flip.jpg","description":"Now that you've retired, perhaps you need to stay busy or want to pad your nest egg more. Entering the house flipping business is the best of both worlds.","pubDate":{"date":"2021-06-22 18:54:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1710,"title":"Lender or Real Estate Agent: Which Comes First?","link":"https:\/\/blog.ruoff.com\/lender-or-real-estate-agent-which-comes-first","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/GettyImages-1226093733.jpg","description":"Starting the home buying process can be overwhelming. It helps to know who to talk to first.","pubDate":{"date":"2021-06-18 12:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1711,"title":"Can You Borrow Money for a Down Payment?","link":"https:\/\/blog.ruoff.com\/can-you-borrow-money-for-a-down-payment","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/GettyImages-1178985764.jpg","description":"Conventional wisdom says you should put down 20% on your home. But conventional wisdom doesn\u2019t pay your bills.","pubDate":{"date":"2021-06-16 18:44:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1712,"title":"Is it Better to Put a Large Down Payment on a House?","link":"https:\/\/blog.ruoff.com\/is-it-better-to-put-a-large-d
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624a-Pro.jpg","description":"Start with a plan. What are your needs, wants, and desires when it comes to landscape design? 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624when flooding is a possibility yet insurance is not required.","pubDate":{"date":"2021-04-06 18:55:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1745,"title":"Best Budgets for Paying Off Debt","link":"https:\/\/blog.ruoff.com\/best-budgets-for-paying-off-debt","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Best-Budgets-for-Paying-Off-Debt.jpg","description":"How does a frugal (or not-so-frugal) consumer go about making a dent in their mountain of debt?","pubDate":{"date":"2021-04-05 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1746,"title":"For Sale By Owner or Through a Realtor?","link":"https:\/\/blog.ruoff.com\/for-sale-by-owner-or-through-a-realtor","topic":"Home Selling","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/For-Sale-By-Owner-or-Through-a-Realtor.jpg","description":"Read on for the topics that a seller should consider when determining whether to sell by owner or hire a real estate agent.","pubDate":{"date":"2021-04-02 13:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1747,"title":"Pack Your Lunch Like a Pro","link":"https:\/\/blog.ruoff.com\/pack-your-lunch-like-a-pro","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Pack-Your-Lunch-Like-a-Pro.jpg","description":"There\u2019s more to lunches than boring PB&J. 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How can you give and receive it gracefully?","pubDate":{"date":"2021-03-31 18:47:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1749,"title":"5 Steps On Writing A Great Ad When Home-Selling","link":"https:\/\/blog.ruoff.com\/5-steps-on-writing-a-great-ad-when-home-selling","topic":"Home Selling","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/5-Steps-On-Writing-A-Great-Ad-When-Home-Selling.jpg","description":"Homebuyer advertising is an art, and so is promoting it.","pubDate":{"date":"2021-03-30 15:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1750,"title":"The Best Way to Search for Homes","link":"https:\/\/blog.ruoff.com\/the-best-way-to-search-for-homes","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/The-Best-Way-to-Search-for-Homes.jpg","description":"What's the best way to search for your next home? Learn how to secure it before it\u2019s ever even listed.","pubDate":{"date":"2021-03-29 14:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1751,"title":"What Credit Score Do You Need for a VA Loan?","link":"https:\/\/blog.ruoff.com\/what-credit-score-do-you-need-for-a-va-loan","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/What-Credit-Score-Do-You-Need-for-a-VA-Loan.jpg","description":"One of the goals of the VA loan program is to offer veteran-borrowers an opportunity to establish a financial identity like that of their civilian peers.","pubDate":{"date":"2021-03-25 15:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1752,"title":"How the Pandemic Will Affect Your 2020 Taxes","link":"https:\/\/blog.ruoff.com\/how-the-pandemic-will-affect-your-2020-taxes","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/How-the-Pandemic-Will-Affect-Your-2020-Taxes.jpg","description":"What has changed on your 2020 taxes because of COVID-19?","pubDate":{"date":"2021-03-24 15:01:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1753,"title":"How Much Does It Really Cost to Own a Home?","link":"https:\/\/blog.ruoff.com\/how-much-does-it-really-cost-to-own-a-home","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/How-Much-Does-It-Really-Cost-to-Own-a-Home.jpg","description":"There can be more costs to homeownership than meet the eye. 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","pubDate":{"date":"2021-03-22 23:47:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1755,"title":"Fresh Colors for Spring: Interior Decorating","link":"https:\/\/blog.ruoff.com\/fresh-colors-for-spring-interior-decorating","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Colors-for-Spring.jpg","description":" New wall art, furniture updates, and tablescapes are other great ways to introduce spring colors into your home.","pubDate":{"date":"2021-03-20 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1756,"title":"Do Mortgage Preapprovals Affect My Credit Score?","link":"https:\/\/blog.ruoff.com\/do-mortgage-preapprovals-affect-my-credit-score","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Do-Mortgage-Preapprovals-Affect-My-Credit-Score.jpg","description":"A high credit score can open the door to your next life change like a mortgage or auto purchase.","pubDate":{"date":"2021-03-19 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1757,"title":"Charming Spring Crafts","link":"https:\/\/blog.ruoff.com\/charming-spring-crafts","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Charming-Spring-Crafts.jpg","description":"Fun springtime crafts to kickstart the season. ","pubDate":{"date":"2021-03-16 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1758,"title":"Pros and Cons of a Conventional Loan","link":"https:\/\/blog.ruoff.com\/pros-and-cons-of-a-conventional-loan","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Pros-and-Cons-of-a-Conventional-Loan.jpg","description":"It is easy to get excited while house hunting, but it\u2019s best to stay grounded when determining lending options.","pubDate":{"date":"2021-03-15 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1759,"title":"Benefits of a Weekly Family Meeting","link":"https:\/\/blog.ruoff.com\/benefits-of-a-weekly-family-meeting","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Benefits-of-a-Weekly-Family-Meeting.jpg","description":"Although the economic shutdown of 2020 was painful at times, the silver lining was that the frantic pace of modern life slowed.","pubDate":{"date":"2021-03-10 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1760,"title":"How to Best Utilize the Space in Your Garden","link":"https:\/\/blog.ruoff.com\/how-to-best-utilize-the-space-in-your-garden","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/How-to-Best-Utilize-the-Space-in-Your-Garden.jpg","description":"If the size of your garden doesn\u2019t match the size of your ambitions, don\u2019t worry. 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","pubDate":{"date":"2021-02-25 16:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1771,"title":"6 Lesser-Known Tax Deductions","link":"https:\/\/blog.ruoff.com\/6-lesser-known-tax-deductions","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/6-Lesser-Known-Tax-Deductions.jpg","description":"As you gather paperwork to file your 2020 taxes, keep these more obscure deductions in mind.","pubDate":{"date":"2021-02-24 16:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1772,"title":"How Long Does it Take to Get a Mortgage?","link":"https:\/\/blog.ruoff.com\/how-long-does-it-take-to-get-a-mortgage","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/How-Long-Does-it-Take-to-Get-a-Mortgage.jpg","description":"In a typical housing market, getting a home loan takes about 30 days. 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How can you make your new home more sustainable?","pubDate":{"date":"2021-02-22 16:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1774,"title":"Desserts You\u2019ll Love","link":"https:\/\/blog.ruoff.com\/desserts-youll-love","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Desserts-Youll-Love.jpg","description":"Here are a few lovely ways to treat yourself this season with yummy desserts you'll love.","pubDate":{"date":"2021-02-18 16:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1775,"title":"How to Have Hard Conversations with Your Kids","link":"https:\/\/blog.ruoff.com\/how-to-have-hard-conversations-with-your-kids","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/How-to-Have-Hard-Conversations-with-Your-Kids.jpg","description":"Talking your kids through the things they see and hear is so important, so here are a few tips to help you and your kids handle those hard conversations.","pubDate":{"date":"2021-02-17 00:32:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1776,"title":"What to Do if an Appraisal Comes in Low","link":"https:\/\/blog.ruoff.com\/what-to-do-if-an-appraisal-comes-in-low","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/What-to-Do-if-an-Appraisal-Comes-in-Low.jpg","description":"It is atypical, but not impossible, for an appraisal to come in below the purchase price of a home. What should you do if this happens?","pubDate":{"date":"2021-02-15 16:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1777,"title":"Student Loans Guide: The Basics Of Federal Financial Aid","link":"https:\/\/blog.ruoff.com\/student-loans-guide-the-basics-of-federal-financial-aid","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Student-Loans-Guide-The-Basics-Of-Federal-Financial-Aid.jpg","description":"In this article, we will dwell on the specifics of the federal student loan and your possible steps to getting it.","pubDate":{"date":"2021-02-13 17:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1778,"title":"Last-Minute Valentine\u2019s Day Gifts That Wow","link":"https:\/\/blog.ruoff.com\/last-minute-valentines-day-gifts-that-wow","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Last-Minute-Valentine%E2%80%99s-Day-Gifts-That-Wow.jpg","description":"Here are some last-minute Valentine's Day gift ideas to add to your list of possibilities.","pubDate":{"date":"2021-02-11 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1779,"title":"How to Prevent Break-Ins","link":"https:\/\/blog.ruoff.com\/how-to-prevent-break-ins","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/How-to-Prevent-Break-Ins.jpg","description":"Don\u2019t be a target for burglars! 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624ify?","pubDate":{"date":"2021-02-09 17:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1781,"title":"Why Do Sellers Prefer Conventional Loans?","link":"https:\/\/blog.ruoff.com\/why-do-sellers-prefer-conventional-loans","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Why-do-sellers-prefer-conventional-loans.jpg","description":"Homebuyers and sellers often view things differently when it comes to closing a deal on a property.","pubDate":{"date":"2021-02-08 16:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1782,"title":"First 7 Do's When Moving In","link":"https:\/\/blog.ruoff.com\/first-7-dos-when-moving-in","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/First-7-Dos-When-Moving-In.jpg","description":"Let's take a quick look at some of the most important things you should do when moving into your new dwelling place.","pubDate":{"date":"2021-02-05 17:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1783,"title":"Make a Splash with These Kid-Friendly Valentines Ideas","link":"https:\/\/blog.ruoff.com\/make-a-splash-with-these-kid-friendly-valentines-ideas","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Make-a-Splash-with-These-Kid-Friendly-Valentines-Ideas.jpg","description":"Help your kids express themselves creatively with these DIY out-of-the-box Valentines in all shapes and forms.","pubDate":{"date":"2021-02-04 17:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1784,"title":"Easy Home Refreshes for the Quarantined","link":"https:\/\/blog.ruoff.com\/easy-home-refreshes-for-the-quarantined","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Easy-Home-Refreshes-for-the-Quarantined.jpg","description":"Consider the ideas mentioned here, and get to work to breathe new life into your living environment!","pubDate":{"date":"2021-02-02 16:32:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1785,"title":"USDA Loans: Basics and Benefits","link":"https:\/\/blog.ruoff.com\/usda-loans-basics-and-benefits","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/USDA-Loans-Basics-and-Benefits.jpg","description":"USDA loans allow low-income borrowers or those with less than stellar credit additional lending options when searching for a house.","pubDate":{"date":"2021-02-01 17:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1786,"title":"Should I Get a Preapproval Before Getting a Real Estate Agent?","link":"https:\/\/blog.ruoff.com\/should-i-get-a-preapproval-before-getting-a-real-estate-agent","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Should-I-Get-a-Preapproval-Before-Getting-a-Real-Estate-Agent.jpg","description":"Find an agent you trust, talk with them about whether you\u2019re ready to buy and sell, then move forward with the preapproval.","pubDate":{"date":"2021-01-30 19:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1787,"title":"What to Grow Indoors Now","link":"https:\/\/blog.ruoff.com\/what-to-grow-indoors-now","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/What-to-Grow-Indoors-Now.jpg","description":"If you have a green thumb and time for a hobby, an indoor garden might have an appeal, especially if you enjoy cooking and eating different vegetables.","pubDate":{"date":"2021-01-29 19:31:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1788,"title":"Assessing the Hidden Dangers Lurking in Your Home","link":"https:\/\/blog.ruoff.com\/assessing-the-hidden-dangers-lurking-in-your-home","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Assessing-the-Hidden-Dangers-Lurking-in-Your-Home.jpg","description":"Being aware of these potential risks can save you money on repairs and help keep your family safe and healthy.","pubDate":{"date":"2021-01-28 17:56:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1789,"title":"Should I Purchase a House Before the Sale Of My Old One?","link":"https:\/\/blog.ruoff.com\/should-i-purchase-
624a-house-before-the-sale-of-my-old-one-1","topic":"Home Selling","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Should-I-Purchase-a-House-Before-the-Sale-Of-My-Old-One.jpg","description":"If you make an offer and close on your new house before selling the old one, one of these three scenarios could happen.","pubDate":{"date":"2021-01-26 20:51:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1790,"title":"Family Game Night","link":"https:\/\/blog.ruoff.com\/family-game-night","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Family-Game-Night.jpg","description":"It\u2019s time to step away from the remote and head for the kitchen table because guess what? 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624,{"id":1803,"title":"Preparing Your Finances For Your Next House","link":"https:\/\/blog.ruoff.com\/preparing-your-finances-for-your-next-house","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Preparing-Your-Finances-For-Your-Next-House.jpg","description":"Here are a few tips and suggestions to help you pull your finances together in preparation to buy a home.","pubDate":{"date":"2020-12-14 18:37:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1804,"title":"Buying a Foreclosure","link":"https:\/\/blog.ruoff.com\/buying-a-foreclosure","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Buying-a-Foreclosure.jpg","description":"Avoid turning that bargain deal into future bankruptcy by following some straightforward steps when evaluating just how fantastic that foreclosure really is.","pubDate":{"date":"2020-12-09 16:20:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1805,"title":"When You Need More Home Office Space, These Tips Can Help","link":"https:\/\/blog.ruoff.com\/when-you-need-more-home-office-space-these-tips-can-help","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Optimized%20Blog%20Images\/The-50-30-20-Budget-Rule.jpg","description":"Before you grow your business, you may need to update or grow your home.","pubDate":{"date":"2020-12-07 18:16:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1806,"title":"Deck the Halls: Exterior Edition","link":"https:\/\/blog.ruoff.com\/deck-the-halls-exterior-edition","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/GettyImages-1202479317.jpg","description":"Here are a few ideas to trim your outside real estate with holiday cheer.","pubDate":{"date":"2020-12-02 18:20:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1807,"title":"A Home Spa Day Fit for A Queen or King","link":"https:\/\/blog.ruoff.com\/a-home-spa-day-fit-for-a-queen-or-king","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/A-Home-Spa-Day-Fit-for-A-Queen-or-King.jpg","description":"You can get pampered in the comfort of your home with a few elements and an open mind.\u00a0","pubDate":{"date":"2020-11-30 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1808,"title":"The Importance of Creating Family Traditions at Home","link":"https:\/\/blog.ruoff.com\/the-importance-of-creating-family-traditions-at-home","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/The-Importance-of-Creating-Family-Traditions-at-Home.jpg","description":"The holidays are sure to look different than last year, but as we\u2019ve learned over the past nine months, different does not always mean disaster.","pubDate":{"date":"2020-11-27 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1809,"title":"Is a Gated Community Right for You?","link":"https:\/\/blog.ruoff.com\/is-a-gated-community-right-for-you","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Should-you-Buy-a-Home-in-a-Gated-Community.jpg","description":"Should you buy a home in a gated community? Enter into the house hunt informed and you can make the right decision for your situation.","pubDate":{"date":"2020-11-25 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1810,"title":"6 Tips For Incorporating Nature In Your Home\u2019s Interior Design","link":"https:\/\/blog.ruoff.com\/6-tips-for-incorporating-nature-in-your-homes-interior-design","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/6-Tips-For-Incorporating-Nature-In-Your-Home%E2%80%99s-Interior-Design.jpg","description":"For those living in metropolitan cities, it can sometimes be challenging to find ways to incorporate nature into limited indoor space
624s.","pubDate":{"date":"2020-11-24 21:16:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1811,"title":"5 Tips on Gutter Cleaning","link":"https:\/\/blog.ruoff.com\/5-tips-on-gutter-cleaning","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/5-Gutter-Cleaning-Tups.jpg","description":"Cleaning the gutter ensures it remains vibrant to serve you through dangerous storms.","pubDate":{"date":"2020-11-18 16:35:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1812,"title":"Best Times of Year for the Best Deals","link":"https:\/\/blog.ruoff.com\/best-times-of-year-for-the-best-deals","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Best-Times-of-Year-for-the-Best-Deals.jpg","description":"There is an entire calendar of savings to be had if you just know how to plan and where to look.","pubDate":{"date":"2020-11-16 15:28:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1813,"title":"DIY Upcycled and Recycled Items to Make your House a Home","link":"https:\/\/blog.ruoff.com\/diy-upcycled-and-recycled-items-to-make-your-house-a-home","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/DIY-Upcycled-and-Recycled-Items-to-Make-your-House-a-Home.jpg","description":"Need to spruce up your home? 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624,{"id":1824,"title":"Explained: Mortgage Origination","link":"https:\/\/blog.ruoff.com\/explained-mortgage-origination","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Explained-Mortgage-Origination.jpg","description":"Mortgage origination is a big word for a big process, but we\u2019ve broken it down into just a few important points.","pubDate":{"date":"2020-10-23 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1825,"title":"Doctors Only: Loan Explained","link":"https:\/\/blog.ruoff.com\/doctors-only-loan-explained","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Doctors-Only-Loan-Explained.jpg","description":"Medical school can be hard on the finances, but the past few years may not serve as a good predictor of your future income. Is a Doctors Only Loan for you?","pubDate":{"date":"2020-10-21 16:16:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1826,"title":"10 Biggest Mistakes To Avoid In Home D\u00e9cor","link":"https:\/\/blog.ruoff.com\/10-biggest-mistakes-to-avoid-in-home-d\u00e9cor","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/10-Biggest-Mistakes-To-Avoid-In-Home-Decor.jpg","description":"Without the right things to put in your living space, you might fall for the following ten mistakes that can happen when pursuing home d\u00e9cor.","pubDate":{"date":"2020-10-20 13:36:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1827,"title":"Halloween Treats: Sophisticated, Silly, and Scary","link":"https:\/\/blog.ruoff.com\/halloween-treats-sophisticated-silly-and-scary","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Halloween-Treats-Sophisticated-Silly-and-Scary.jpg","description":"Whether you're looking for something sophisticated, something silly, or something scary - there's something on this list of spooky treats for you.\u00a0","pubDate":{"date":"2020-10-19 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1828,"title":"What Can Go Wrong on Closing Day","link":"https:\/\/blog.ruoff.com\/what-can-go-wrong-on-closing-day","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/What-Can-Go-Wrong-on-Closing-Day.jpg","description":"Even the most prepared homebuyers and sellers may run into issues on closing day. Read on to learn how you can prevent these problems!","pubDate":{"date":"2020-10-16 17:43:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1829,"title":"Budget-Friendly Improvement Projects that Add Value to a Home","link":"https:\/\/blog.ruoff.com\/budget-friendly-improvement-projects-that-add-value-to-a-home","topic":"Home Selling","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Budget-Friendly-Improvement-Projects-that-Add-Value-to-a-Home.jpg","description":"A few of the best budget-friendly projects that you can do to easily boost your home's value while making it more enjoyable while you still live there.","pubDate":{"date":"2020-10-15 18:28:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1830,"title":"Banks vs. Credit Unions and How to Choose","link":"https:\/\/blog.ruoff.com\/banks-vs.-credit-unions-and-how-to-choose","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Banks-vs.-Credit-Unions-and-How-to-Choose.jpg","description":"The most significant factor differentiating banks from credit unions has to do with their bottom lines.","pubDate":{"date":"2020-10-14 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1831,"title":"How Do I Get an FHA Loan?","link":"https:\/\/blog.ruoff.com\/how-do-i-get-an-fha-loan","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/How-Do-I-Get-an-FHA-Loan.jpg","description":"We get a ton of questions about FHA loans. Who are they for? What does my credit score need to be? How do I apply for one? ","pubDate":{"date":"2020-10-13 14:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}}
624,{"id":1832,"title":"Craft Projects Teens Will Love","link":"https:\/\/blog.ruoff.com\/craft-projects-teens-will-love","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Craft-Projects-Teens-Will-Love.jpg","description":"Some simple crafts to brighten your teen's day!","pubDate":{"date":"2020-10-12 15:29:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1833,"title":"Do You Have to Put 20% Down on a House?","link":"https:\/\/blog.ruoff.com\/do-you-have-to-put-20-down-on-a-house","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Do-You-Have-to-Put-20-Down-on-a-House.jpg","description":"So, do you really have to put down a full 20% of the home\u2019s price in order to buy it? 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To keep the pain at bay, try some of these space-saving suggestions.","pubDate":{"date":"2020-09-29 14:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1841,"title":"Does Refinancing Hurt My Credit Score?","link":"https:\/\/blog.ruoff.com\/does-refinancing-hurt-my-credit-score","topic":"Refinancing","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Does-Refinancing-Hurt-My-Credit-Score.jpg","description":"Refinancing can help you save hundreds a month, c
624onsolidate your high-interest debt, or complete a home project. So, what are the downsides? A question we get all the time at Ruoff is, \u201cDoes refinancing hurt my credit score?\u201d","pubDate":{"date":"2020-09-28 14:35:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1842,"title":"How to Track Your Freelance Business","link":"https:\/\/blog.ruoff.com\/how-to-track-your-freelance-business","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/How-to-Track-Your-Freelance-Business.jpg","description":"Here are 18 tips to get you started with financially tracking your freelance business. 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","pubDate":{"date":"2020-09-16 16:40:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1847,"title":"Backyard Improvements that Add Value to Your Home","link":"https:\/\/blog.ruoff.com\/backyard-improvements-that-add-value-to-your-home","topic":"Home Selling","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/backyard-improvements-that-add-value-to-your-home.jpg","description":"Giving your backyard a makeover through a couple of simple improvements can and will increase your property\u2019s overall value.","pubDate":{"date":"2020-09-11 17:16:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1848,"title":"What You Need to Know About Credit Mix","link":"https:\/\/blog.ruoff.com\/what-you-need-to-know-about-credit-mix","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/What-You-Need-to-Know-About-Credit-Mix.jpg","description":"What's a healthy mix of credit? 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624ool-Edition.jpg","description":"While parents and teachers are doing the best they can for their students, some extra help certainly won\u2019t go unnoticed.","pubDate":{"date":"2020-08-28 18:59:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1855,"title":"30+ Creative Ways to Save for a Down Payment","link":"https:\/\/blog.ruoff.com\/30-creative-ways-to-save-for-a-down-payment","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Creative-Ways-to-Save-for-a-Down-Payment.jpg","description":"30+ ways to save up extra cash for a down payment. ","pubDate":{"date":"2020-08-27 15:50:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1856,"title":"What You Need to Know About Credit Utilization","link":"https:\/\/blog.ruoff.com\/what-you-need-to-know-about-credit-utilization","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/What-You-Need-to-Know-About-Credit-Utilization.jpg","description":"Maintaining desirable utilization ratios on revolving lines of credit is an easy way to make a significant impact on your credit score.","pubDate":{"date":"2020-08-26 10:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1857,"title":"A Parent\u2019s Guide to Handling Virtual Learning","link":"https:\/\/blog.ruoff.com\/a-parents-guide-to-handling-virtual-learning","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/A-Parents-Guide-to-Handling-Virtual-Learning.jpg","description":"Many school buildings aren't open, which means it falls onto parents to help with virtual learning. 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Here are 5 sure-fire signs. ","pubDate":{"date":"2020-08-13 16:58:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1864,"title":"Home Sweet Homes: International Edition","link":"https:\/\/blog.ruoff.com\/home-sweet-homes-international-edition","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/GettyImages-1143044765.jpg","description":"Check out these homes away from home!","pubDate":{"date":"2020-08-11 19:51:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1865,"title":"Homebuying Prep 101","link":"https:\/\/blog.ruoff.com\/homebuying-prep-101","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Homebuying-Prep-101.jpg","description":"The market is so different now than it was a few years ago. 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62416:04:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1899,"title":"Keep Your Kids Stimulated This Summer","link":"https:\/\/blog.ruoff.com\/keep-your-kids-stimulated-this-summer","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Keep-Your-Kids-Stimulated-This-Summer.jpg","description":"Here are 9 activities that are sure to keep your kids stimulated this summer.","pubDate":{"date":"2020-05-20 16:10:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1900,"title":"How to Get a Mortgage in 5 Easy Steps","link":"https:\/\/blog.ruoff.com\/how-to-get-a-mortgage-in-5-easy-steps","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/How-to-Get-a-Mortgage-in-5-Easy-Steps.jpg","description":"If you follow these five steps, your mortgage journey will be simple and painless!","pubDate":{"date":"2020-05-18 15:28:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1901,"title":"When I Buy New Construction, Do I Need An Agent?","link":"https:\/\/blog.ruoff.com\/when-i-buy-new-construction-do-i-need-an-agent","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/When-I-Buy-New-Construction-Do-I-Need-An-Agent.jpg","description":"The construction company will have their own representation. 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624sted based on the contents of your cupboard.","pubDate":{"date":"2020-03-27 14:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1925,"title":"20 Things to Do During the Quarantine","link":"https:\/\/blog.ruoff.com\/20-things-to-do-during-the-quarantine","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/20-Things-to-Do-During-Quarantine.jpg","description":"During the weeks and months of quarantine ahead, keep yourself active, entertained, and motivated. 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624where that is because there\u2019s no returning it if you change your mind.","pubDate":{"date":"2020-02-24 16:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1939,"title":"5 Tips to Detect a Water Leak in Your House","link":"https:\/\/blog.ruoff.com\/5-tips-to-detect-a-water-leak-in-your-house","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/5-Tips-to-Detect-a-Water-Leak-in-Your-House.jpg","description":"On average, depending on the rate you pay for water, a water leak could cost an additional $70 per month on your water bill!","pubDate":{"date":"2020-02-21 16:36:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1940,"title":"Creative Ways to Use Wallpaper","link":"https:\/\/blog.ruoff.com\/creative-ways-to-use-wallpaper","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Creative-Ways-to-Use-Wallpaper.jpg","description":"There are so many ways to use wallpaper in your home beyond covering walls. 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624n ounce of prevention is worth a pound of cure.\u201d So, make time for these tasks and enjoy peace of mind this winter.","pubDate":{"date":"2020-01-31 16:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1950,"title":"How Long Does It Take to Get Approved?","link":"https:\/\/blog.ruoff.com\/how-long-does-it-take-to-get-approved","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/How-Long-Does-It-Take-to-Get-Approved.jpg","description":"If you\u2019re thinking of buying a home in the near future, the sooner you start the process the sooner you can address any roadblocks.","pubDate":{"date":"2020-01-30 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1951,"title":"Building Things in the Snow","link":"https:\/\/blog.ruoff.com\/building-things-in-the-snow","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Building-things-in-the-snow.jpg","description":"That snow won\u2019t last forever! 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This is ironic, considering the simplicity with which these dwellings are built.","pubDate":{"date":"2020-01-17 16:23:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1957,"title":"How to Prepare for Retirement at a Young Age","link":"https:\/\/blog.ruoff.com\/how-to-prepare-for-retirement-at-a-young-age","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/How-to-Prepare-for-Retirement-at-a-Young-Age.jpg","description":"Start planning for the future now while time is on your side.","pubDate":{"date":"2020-01-15 16:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1958,"title":"6 Ways to Hide Your Cat's Litter Box","link":"https:\/\/blog.ruoff.com\/13-ways-to-hide-your-cats-litter-box","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/6-ways-to-hide-your-litter-box.jpg","description":"There are dozens of ways to hide a litter box in your home, and the internet is full of tutorials or purchasable options. 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","pubDate":{"date":"2020-01-09 19:47:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1960,"title":"The 50\/30\/20 Budget Rule","link":"https:\/\/blog.ruoff.com\/the-50\/30\/20-budget-rule","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/The-50-30-20-Budget-Rule.jpg","description":"The 50\/30\/20 budget is great for beginners as it teaches the difference between wants and needs as well as the importance of a savings account.","pubDate":{"date":"2020-01-09 16:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1961,"title":"Slow Cooker Recipes for a Cold Day","link":"https:\/\/blog.ruoff.com\/slow-cooker-recipes-for-a-cold-day","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Slow-Cooker
624-Recipes-for-a-Cold-Day.jpg","description":"Yummy recipes you can cook all day with minimal effort! 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","pubDate":{"date":"2019-12-06 16:29:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1976,"title":"Explained: The Mortgage Process","link":"https:\/\/blog.ruoff.com\/explained-the-mortgage-process","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Explained-the-Mortgage-Process.jpg","description":"Arm yourself with information, and 
624you\u2019ll find that you are much more prepared to take on this important life milestone. Here\u2019s a step by step guide through the mortgage process.","pubDate":{"date":"2019-12-05 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1977,"title":"Did You Snow About These Wintery Treats?","link":"https:\/\/blog.ruoff.com\/did-you-snow-about-these-wintery-treats","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Did-you-snow.jpg","description":"Snow isn't just pretty to look at, it can make some delicious treats. 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624ose some smaller items to celebrate your favorite seasons.","pubDate":{"date":"2019-11-13 13:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1987,"title":"Should I Get a Reverse Mortgage?","link":"https:\/\/blog.ruoff.com\/should-i-get-a-reverse-mortgage","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Should-I-Get-a-Reverse-Mortgage.jpg","description":"Reverse mortgages are one of many financial vehicles that seniors could consider as part of a sound retirement plan. 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","pubDate":{"date":"2019-10-29 12:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1992,"title":"Halloween Costumes: DIY for One to Five","link":"https:\/\/blog.ruoff.com\/halloween-costumes-diy-for-one-to-five","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/diy-halloween-costumes.jpg","description":"The DIY route also presents an opportunity for family bonding, so this blog will present five costumes you can mix and match for all ages.","pubDate":{"date":"2019-10-25 12:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1993,"title":"Dates That Don't Cost a Dime","link":"https:\/\/blog.ruoff.com\/dates-that-dont-cost-a-dime","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Dates-that-dont-cost-a-dime.jpg","description":"Challenge yourself to go off the beaten path with these dates that won't break the bank. 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624stand in the spotlight.","pubDate":{"date":"2019-10-15 11:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1998,"title":"Cute and Classic Ways to Decorate Your Front Porch for Halloween","link":"https:\/\/blog.ruoff.com\/cute-and-classic-ways-to-decorate-your-front-porch-for-halloween","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1064861280.jpg","description":"While your neighbors may be competing for the best haunted house, gore and horror aren't the only ways to decorate your front porch this year.","pubDate":{"date":"2019-10-11 12:26:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":1999,"title":"A Buyers Guide: Bankruptcy, Foreclosure and Short Sales","link":"https:\/\/blog.ruoff.com\/a-buyers-guide-to-bankruptcy-foreclosure-and-short-sales","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/A-Buyers-Guide-To-Bankruptcy-Foreclosure-and-Short-Sales.jpg","description":"Even if you have a bankruptcy, a foreclosure or a short sale in your past \u2013 you may still be qualified to purchase a new home and maybe even sooner than you think.","pubDate":{"date":"2019-10-09 12:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2000,"title":"Say Yes to the Pet","link":"https:\/\/blog.ruoff.com\/say-yes-to-the-pet","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/say-yes-to-the-pet.jpg","description":"At some point in the parenting adventure, you\u2019re likely to get the pet ask. 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","pubDate":{"date":"2019-09-20 12:40:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2010,"title":"Stormy Weather Fun: Beat Boredom with These Activities","link":"https:\/\/blog.ruoff.com\/stormy-weather-fun-beat-boredom-with-these-activities","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Stormy-weather-fun.jpg","description":"Don\u2019t let fall\u2019s unpredictable weather deter your fun! You just have to get a little creative to find ways to make the most of indoor fun.","pubDate":{"date":"2019-09-18 12:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2011,"title":"9 Things That Will Make Parenting Your Toddler Easier","link":"https:\/\/blog.ruoff.com\/9-things-that-will-make-parenting-your-toddler-easier","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/9-Things-That-Will-Make-Parenting-Your-Toddler-Easier.jpg","description":"Anything that can simplify your life with a toddler around is worth looking into. 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624pic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/69413899_10214841556247579_8953102659884154880_o.jpg","description":"Welcome to the newest chapter of the Ruoff Mortgage story! ","pubDate":{"date":"2019-08-30 18:59:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2018,"title":"Eat, Baby, Eat!","link":"https:\/\/blog.ruoff.com\/eat-baby-eat","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Eat-Baby-Eat.jpg","description":"Whether you purchase pre-made baby food or whip up your own at home, you can give baby a great nutritional start.","pubDate":{"date":"2019-08-28 14:09:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2019,"title":"It's Time for a Technology Timeout","link":"https:\/\/blog.ruoff.com\/its-time-for-a-technology-timeout","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-974974214.jpg","description":"When it's time for your family to take a technology timeout, take a look at this list of activities that don't require any of our favorite electronics.","pubDate":{"date":"2019-08-20 18:55:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2020,"title":"DIY Outdoor Furniture: Unleash Your Creative Side","link":"https:\/\/blog.ruoff.com\/diy-outdoor-furniture-unleash-your-creative-side","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/DIY-Outdoor-Furniture-Unleash-Your-Creative-Side.jpg","description":"Check out these 10 DIY projects that are sure to take your backyard from drab to fab.","pubDate":{"date":"2019-08-19 16:02:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2021,"title":"To Buy or Build?","link":"https:\/\/blog.ruoff.com\/to-buy-or-build","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/To-Buy-or-Build.jpg","description":"Existing homes, as well as new builds, each have their own set of pros and cons to consider. ","pubDate":{"date":"2019-08-15 18:48:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2022,"title":"The Bare Necessities for Baby","link":"https:\/\/blog.ruoff.com\/the-bare-necessities-for-baby","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/The-Bare-Necessities-for-Baby.jpg","description":"What does a brand new nursery actually need? It\u2019s pretty easy to get carried away. 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So, what's the difference between an IRA and a Roth IRA?","pubDate":{"date":"2019-07-25 13:50:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2029,"title":"Down Payment Assistance Programs Can Help You Buy a Home Sooner","link":"https:\/\/blog.ruoff.com\/down-payment-assistance-programs-can-help-you-buy-a-home-sooner","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Down-Payment-Assistance-Programs-Can-Help-You-Buy-a-Home-Sooner.jpg","description":"If your homeownership dreams include buying a home before you retire, it\u2019s a good idea to look at the down payment assistance programs available to you.","pubDate":{"date":"2019-07-23 19:18:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2030,"title":"6 DIY Mailboxes to Inspire your Creativity","link":"https:\/\/blog.ruoff.com\/6-diy-mailboxes-to-inspire-your-creativity","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/6-DIY-Mailboxes-to-Inspire-Your-Creativity.jpg","description":"A DIY mailbox can give you the wow factor you\u2019re looking for, without spending a lot of money.","pubDate":{"date":"2019-07-17 12:53:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2031,"title":"6 DIY Curb Appeal Ideas to Sell Your Home Fast","link":"https:\/\/blog.ruoff.com\/6-diy-curb-appeal-ideas-to-sell-your-home-fast","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/6-DIY-Curb-Appeal-Ideas-to-Sell-Your-Home-Fast.jpg","description":"Homes with curb appeal sell faster than homes without. 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","pubDate":{"date":"2019-07-05 13:07:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2035,"title":"Eat Your Heart Out: 5 DIY Sauces and Rubs to Try This Summer","link":"https:\/\/blog.ruoff.com\/eat-your-heart-out-5-diy-sauces-and-rubs-to-try-this-summer","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Eat-Your-Heart-Out-5-DIY-Sauces-and-Rubs-to-Try-This-Summer.jpg","description":"Whether you use a rub, a marinade, or a sauce - the flavors can make or break your meal. Improve your BBQ game with these delicious recipes. ","pubDate":{"date":"2019-07-03 12:58:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2036,"title":"Bathroom Updates for Resale","link":"https:\/\/blog.ruoff.com\/bathroom-updates-for-resale","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Bathroom-Updates-for-Resale.jpg","description":"For a noticeably nicer look, try one or all of these quick fixes and get your bathroom open-house-ready in no time.","pubDate":{"date":"2019-07-01 20:06:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2037,"title":"Budgeting for Vacation","link":"https:\/\/blog.ruoff.com\/budgeting-for-vacation","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Budgeting%20for%20Vacation.jpg","description":"Over half of Americans name travel expenses as to why they aren\u2019t taking a vacation. 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624y taking the following precautions.","pubDate":{"date":"2019-06-25 20:48:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2040,"title":"Meatless Grilling Recipes","link":"https:\/\/blog.ruoff.com\/meatless-grilling-recipes","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1038900574.jpg","description":"There is a world of delicious grilling recipes that don\u2019t use any meat at all! You won\u2019t be disappointed with these meatless grilling recipes.","pubDate":{"date":"2019-06-23 12:43:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2041,"title":"Columbus: Community and Comradery","link":"https:\/\/blog.ruoff.com\/columbus-community-and-comradery","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/20190620_131750.jpg","description":"Among the 7 of them, they are members of dozens of charities and community boards. It is clear that this team is entirely dedicated to their community and its people.","pubDate":{"date":"2019-06-21 12:20:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2042,"title":"Adulting 101: Contributing to a 401k","link":"https:\/\/blog.ruoff.com\/adulting-101-contributing-to-a-401k","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1147519495%20%281%29-1.jpg","description":"By making a point of envisioning your future self and the life you hope to have, you can use your current surplus to ensure your financial needs will be met far into the future. ","pubDate":{"date":"2019-06-20 14:12:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2043,"title":"Dave Ruoff: Life, Legacy, Lessons","link":"https:\/\/blog.ruoff.com\/dave-ruoff-life-legacy-lessons","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/62479070_2711201148909601_9097407565255409664_o.jpg","description":"Dave has been an integral part of this company since the very start. He has touched so many lives, and will be sorely missed. We wanted to share with you his life, his legacy, and the lessons he left behind.","pubDate":{"date":"2019-06-18 16:02:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2044,"title":"How Much House Can I Afford?","link":"https:\/\/blog.ruoff.com\/how-much-house-can-i-afford","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/How-Much-House-Can-I-Afford.jpg","description":"The expenses of owning a home don\u2019t end with the monthly mortgage payment. Just how much house can you afford?","pubDate":{"date":"2019-06-13 18:07:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2045,"title":"Easy DIY Birdfeeder Crafts","link":"https:\/\/blog.ruoff.com\/easy-diy-birdfeeder-crafts","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/1125001483195869.WtT3xscA2aWiGtMr0uoF_height640.png","description":"There are plenty of simple designs that are easy for kids to make with little mess, from a pine cone bird feeder to a toilet paper roll bird feeder. ","pubDate":{"date":"2019-06-11 17:02:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2046,"title":"Urban Living: Walkable Cities of Any Size","link":"https:\/\/blog.ruoff.com\/urban-living-walkable-cities-of-any-size","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-892646738%20%281%29-1.jpg","description":"Does the walkability of your city matter to you? You might be surprised at what you can accomplish without a car. ","pubDate":{"date":"2019-06-07 13:44:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2047,"title":"Rate\/Term Refinance versus Cash-out Refinance","link":"https:\/\/blog.ruoff.com\/rate\/term-refinance-versus-cash-out-refinance","topic":"Refinancing","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1025416706%20%281%29-1.jpg","description":"Two basic home refinance options exist in today\u2019s marketplace: Rate\/Term and Cash-out. 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","pubDate":{"date":"2019-06-03 12:51:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2049,"title":"How Color Affects Your Home","link":"https:\/\/blog.ruoff.com\/how-color-affects-your-home","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_143883259.jpg","description":"Adding pops of color to your home can affect your mood and the moods of your guests. Which colors should you use in each room of your house?","pubDate":{"date":"2019-05-30 12:51:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2050,"title":"What You Need to Know About Relocating","link":"https:\/\/blog.ruoff.com\/what-you-need-to-know-about-relocating","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_557019136%20%282%29.jpg","description":"Relocating is involved, and it is hard, but like any good challenge, it invites you to explore your strengths and overcome those pesky weaknesses. ","pubDate":{"date":"2019-05-28 18:32
624:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2051,"title":"Should You Buy a Home Before Or After Marriage?","link":"https:\/\/blog.ruoff.com\/should-you-buy-a-home-before-or-after-marriage","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-921671898%20%281%29.jpg","description":"You have two big contracts to sign. One says you\u2019ll stay with the same person and the other one says you\u2019ll stay in the same place. So which comes first: The mortgage or the marriage?","pubDate":{"date":"2019-05-23 15:06:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2052,"title":"Quick Guide to Memorial Day Weekend Projects","link":"https:\/\/blog.ruoff.com\/quick-guide-to-memorial-day-weekend-projects","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-75627100.jpg","description":"What are your Memorial Day weekend plans? In addition to fun at the lake, camping or whatever outside activity you may enjoy, the holiday weekend is also an opportune time for getting some projects done in and outside the home. ","pubDate":{"date":"2019-05-22 13:54:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2053,"title":"DIY Kitchen Projects That Will Up Your Home's Value","link":"https:\/\/blog.ruoff.com\/diy-kitchen-projects-that-will-up-your-homes-value","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-928517720.jpg","description":"Is your kitchen a little outdated? Here are a few DIY ideas guaranteed to raise the value of your home! ","pubDate":{"date":"2019-05-16 13:22:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2054,"title":"Get In On These Memorial Day Sales","link":"https:\/\/blog.ruoff.com\/memorial-day-sales","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-920701632-1.jpg","description":"Who doesn\u2019t love a deal? Retailers are starting to promote their Memorial Day sales and that means consumers can save big if they\u2019re willing to do some legwork. (Every dollar counts, after all.)","pubDate":{"date":"2019-05-14 16:47:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2055,"title":"9 Mother's Day Brunch Recipes","link":"https:\/\/blog.ruoff.com\/mothers-day-brunch-recipes","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/9-Mothers-Day-Brunch-Recipes.jpg","description":"Mother's Day is all about celebrating Mom and everything she does. So, let her sleep in, grab some little helpers, and make her a brunch she'll love. ","pubDate":{"date":"2019-05-10 12:19:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2056,"title":"Choosing a Mortgage Lender is More Than Just A Good Rate","link":"https:\/\/blog.ruoff.com\/choosing-the-right-lender","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Choosing-the-Right-Lender-is-More-Than-Just-A-Good-Rate.jpg","description":"Many factors come into play when choosing a mortgage lender and a loan product. Consider the following before signing on the dotted line!","pubDate":{"date":"2019-05-08 19:26:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2057,"title":"Spring Home Maintenance","link":"https:\/\/blog.ruoff.com\/spring-home-maintenance","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_219740656.jpg","description":"Spring is the perfect time to perform some basic maintenance to keep your home looking and working great. ","pubDate":{"date":"2019-05-06 12:35:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2058,"title":"Marketing for Home Sellers","link":"https:\/\/blog.ruoff.com\/marketing-for-home-sellers","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Marketing-for-Home-Sellers.jpg","description":"Favorable interest rates and an influx of millennial buyers have created demand for houses as well as home loans. Now is a GREAT time to sell! ","pubDate":{"date":"2019-05-03 20:33:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2059,"title":"4 Things You Should Know About Life After College","link":"https:\/\/blog.ruoff.com\/4-things-you-should-know-about-life-after-college","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/4-Things-You-Should-Know-About-Life-After-College.jpg","description":"Life after college isn\u2019t always fun, but can be really rewarding. The journey is riddled with a few bumps, so here are some hard truths for you to swallow before venturing out on your own!","pubDate":{"date":"2019-05-02 15:20:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2060,"title":"Pre-Approval vs. Pre-Qualification","link":"https:\/\/blog.ruoff.com\/pre-approval-vs.-pre-qualification","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Preapproval%20v%20Prequalification%20GettyImages-1041777708.jpg","description":"Pre-qualification and pre-approval are used interchangeably, but there are some major differences between them. Both options can be helpful to your Realtor and other mortgage professionals, but a pre-approval can help you further along your mortgage journey than a pre-qualification.","pubDate":{"date":"2019-04-30 12:52:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2061,"title":"Grow Your Own Food","link":"https:\/\/blog.ruoff.com\/grow-your-own-food","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1066405848%20%281%29.jpg","description":"Growing your own food is empowering. You can start big or small \u2013 from a few ingredients to total self-sufficiency. See how you can grow your food at home!","pubDate":{"date":"2019-04-25 14:19:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2062,"title":"What You Need to Consider Before Buying that Fixer Upper","link":"https:\/\/blog.ruoff.com\/what-you-need-to-consider-before-buying-that-fixer-upper","to
624pic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-804625512-1.png","description":"On the market for a Fixer Upper? Before you find yourself ankle deep in moldy subflooring, take a pause and consider the work ahead of you. Does the property need a quick touch-up or a full refurbishment? The latter requires a commitment much larger than the mortgage paperwork and a coat of paint. ","pubDate":{"date":"2019-04-23 14:07:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2063,"title":"West Chester: Work Hard, Play Hard","link":"https:\/\/blog.ruoff.com\/west-chester-work-hard-play-hard","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GRAND%20OPENING%201.jpg","description":"Although the branch opened on May 10, 2018, this easy-going group has closed thousands of loans between their combined experience of over 110 years.","pubDate":{"date":"2019-04-19 12:05:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2064,"title":"What Home Sellers Should Know About Working with Buyers","link":"https:\/\/blog.ruoff.com\/what-sellers-need-to-know-about-buyers","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-491810286.jpg","description":"Here is the single biggest caveat for sellers in today\u2019s real estate market: Not all buyers are the same. ","pubDate":{"date":"2019-04-17 13:31:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2065,"title":"Easter Fun with Kids","link":"https:\/\/blog.ruoff.com\/easter-fun-with-kids","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-936559502.jpg","description":"Whether it's making crafts or making snacks, you want to make family time fun for your kids. So, get ready to get your hands dirty and hop into these sometimes messy, but always fun ideas!","pubDate":{"date":"2019-04-15 14:04:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2066,"title":"5 Tips For Dealing with Difficult Neighbors","link":"https:\/\/blog.ruoff.com\/5-tips-for-dealing-with-difficult-neighbors","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/5-Tips-For-Dealing-with-Difficult-Neighbors.jpg","description":"So, you found your dream house in your dream neighborhood. But there\u2019s one thing you didn\u2019t account for: difficult neighbors. What happens when you get stuck with a less than pleasant neighbor or neighbors? These tips for some help so you can save your sanity and diffuse the situation.","pubDate":{"date":"2019-04-11 14:05:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2067,"title":"Downsizing Your Home","link":"https:\/\/blog.ruoff.com\/downsizing-your-home","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-541270052.jpg","description":"The minimalist movement has arrived and with it comes a growing number of homeowners anxious to downsize.  Whatever your reason for dialing back, there are a few first steps to wade through before taking the downsizing plunge.","pubDate":{"date":"2019-04-09 13:10:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2068,"title":"Your DIY Dream Patio Starts Here","link":"https:\/\/blog.ruoff.com\/your-diy-dream-patio-starts-here","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-959559758-1.jpg","description":"Turning an ordinary patio into an oasis is something many homeowners dream about, but many don\u2019t bring to fruition. Take these considerations into account when creating your dream patio, and your outdoor space will be ready for summer cookouts in no time at all.","pubDate":{"date":"2019-04-05 12:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2069,"title":"10 Best Food Instagram Accounts to Follow","link":"https:\/\/blog.ruoff.com\/10-best-food-instagram-accounts-to-follow","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/10-Best-Food-Instagram-Accounts-to-Follow.jpg","description":"Instagram content sells, informs, and educates you. But what stops you in your scroll? Food. Yummy, yummy food. Here, in no particular order, are the 10 Best Food Instagram Accounts that will certainly halt you in your social media tracks and make you immediately follow them.","pubDate":{"date":"2019-04-03 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2070,"title":"Beat Springtime Boredom With These Staycation Ideas","link":"https:\/\/blog.ruoff.com\/beat-springtime-boredom-with-these-staycation-ideas","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-607040639-1.jpg","description":"Springtime vacations are just around the corner! If you\u2019re strapped for cash or pressed for time, you might consider a staycation. Chances are, your city or town has much to offer in terms of entertainment and activities. We have a few ideas just for you!","pubDate":{"date":"2019-04-02 13:12:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2071,"title":"How to Use your Tax Return","link":"https:\/\/blog.ruoff.com\/how-to-use-your-tax-return","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-9275989
62400-1.jpg","description":"Given our inclination to act first and think later each time a refund check lands in our hands, we would be wise to heed his words this year. Consider the following options when contemplating how to use your 2018 tax refund. ","pubDate":{"date":"2019-03-28 19:31:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2072,"title":"Stop Wasting Money on Vacations and Do This Instead","link":"https:\/\/blog.ruoff.com\/stop-wasting-money-on-vacations-and-do-this-instead","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Vacation%20Home.jpg","description":"Investing in real estate is not a new concept. Market conditions and affordable loan programs are making vacation homes more attractive than ever. Think of a vacation home as a nest egg that you can start enjoying right away.","pubDate":{"date":"2019-03-26 12:54:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2073,"title":"The Fantastic Five: Ruoff Owensboro","link":"https:\/\/blog.ruoff.com\/owensboro","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/53140407_10157072751798887_4296680253511696384_n-1.jpeg","description":"Get to know our Ruoff Owensboro, Kentucky Office!","pubDate":{"date":"2019-03-25 16:22:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2074,"title":"Accessing Your Home Equity","link":"https:\/\/blog.ruoff.com\/accessing-your-home-equity","topic":"Refinancing","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Accessing-Your-Home-Equity.jpg","description":"Did you know you can use your home equity to your advantage? There are a few ways you can borrow against the money you\u2019ve invested in your property. These loans and lines of credit have important distinctions you should keep in mind when evaluating options.","pubDate":{"date":"2019-03-21 12:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2075,"title":"Last Minute Spring Break Plans","link":"https:\/\/blog.ruoff.com\/planning-for-spring-break","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Family%20Spring%20Vacation.jpg","description":"Spring break is just around the corner. Have you planned your getaway yet? If you are looking for some close-to-home and more affordable options for spring break, consider these top vacation spots in and around the area.","pubDate":{"date":"2019-03-18 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2076,"title":"Allergy Prevention at Home","link":"https:\/\/blog.ruoff.com\/allergy-prevention-at-home","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-888699200-1-1.jpg","description":"Follow this quick list of at-home to-do\u2019s to get ready for allergy season. What\u2019s that saying again? An ounce of prevention is worth a pound of dirty Kleenex?","pubDate":{"date":"2019-03-12 14:54:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2077,"title":"Easiest Plants to Grow Indoors and Out","link":"https:\/\/blog.ruoff.com\/easiest-plants-to-grow-indoors-and-out","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-878852070-1.jpg","description":"It\u2019s time to plant your garden starts, do some landscape updates, and pretty-up your home\u2019s interior with new greenery. If you need a place to start this year, read this post about plants that are easy to grow and beautiful to enjoy.","pubDate":{"date":"2019-03-08 14:43:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2078,"title":"Preparing Taxes: DIY or Hire?","link":"https:\/\/blog.ruoff.com\/preparing-taxes-diy-or-hire","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-961531380.jpeg","description":"April 15th is looming, leaving some of us wondering which way to go with our taxes this spring. Do we hand it over to the professionals or is it a DIY kind of year? Either way, it\u2019s time to start making a decision because the clock is winding down.","pubDate":{"date":"2019-03-06 15:48:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2079,"title":"Closet Organization 101","link":"https:\/\/blog.ruoff.com\/closet-organization-101","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1005625052.jpg","description":"Small tweaks to your closet can make a world of difference to your wardrobe and even peace of mind. It\u2019s been proven that clutter creates stress. No matter the layout or limitations of your closet, there\u2019s always the potential for practical storage solutions. ","pubDate":{"date":"2019-03-04 21:20:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2080,"title":"When to Avoid Buying Organic","link":"https:\/\/blog.ruoff.com\/when-to-avoid-buying-organic","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-985954662.jpg","description":"American households spend approximately $550 per month on food according to the Bureau of Labor Statistics. According to Consumer Reports, organic foods are 47 percent more expensive than their non-organic counterparts.","pubDate":{"date":"2019-03-01 20:47:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2081,"title":"Netflix Binge Watching For Every Room","link":"https:\/\/blog.ruoff.com\/netflix-binge-watching-for-every-room","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Family%20Watching%20TV.jpg","description":"Although we may not like to admit it, most of us enjoy binge watching every now and then. But how can you make your binge watching productive when you know there is work to be done around the house? Watch someone else work on houses! Here\u2019s a list of shows for every room in your home. ","pubDate":{"date":"2019-02-26 20:09:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2082,"title":"A Team Worth(ington) Getting to Know","link":"https:\/\/blog.ruoff.com\/a-team-worthington-getting-to-know","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Untitled%20design%20%2830%29.png","description":"The Worthington Branch was opened in May 2017, so they are still relatively new to the area, but they are a team full of heart and personality! They are also one of Ruoff\u2019s largest office
624s with 12 licensed Loan Officers, 3 of whom are Assistants, 1 Remote Processor and 1 Administrative Assistant! ","pubDate":{"date":"2019-02-22 20:13:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2083,"title":"8 Ways to Enhance the Feel of Your Home on a Budget","link":"https:\/\/blog.ruoff.com\/8-ways-to-enhance-the-feel-of-your-home-on-a-budget","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/8-Ways-to-Enhance-the-Feel-of-Your-Home-on-a-Budget.jpg","description":"Home improvements are a necessary aspect of ownership. These less-involved solutions are all designed to freshen up your look or make your living space more usable. Plus, they are a fraction of a cost of a major reno and take less time, too. Can you say win-win?","pubDate":{"date":"2019-02-20 14:03:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2084,"title":"Date Night In","link":"https:\/\/blog.ruoff.com\/date-night-in","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1043614302.jpg","description":"Are you a homebody? Did you forget to make reservations? Are you budgeting, but still want to keep that romance alive? The choice should be easy after reading this; stay in! Your date night will be charming, even if a night out isn\u2019t in your plans!","pubDate":{"date":"2019-02-14 21:13:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2085,"title":"Home is Where the Tax Deductions Are","link":"https:\/\/blog.ruoff.com\/home-is-where-the-tax-deductions-are","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-865786622.jpg","description":"Both federal and state governments provide deductions for homeowners. The same can\u2019t be said for renters. A report by the Institute on Taxation and Economic Policy listed only 21 states with any kind of renter\u2019s deduction.","pubDate":{"date":"2019-02-08 15:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2086,"title":"The Home Improvement Blues: What You Wish You'd Known","link":"https:\/\/blog.ruoff.com\/the-home-improvement-blues","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-596568521.jpg","description":"When we own a home, you never retire. We also never graduate, because there's always something else to learn about maintaining \"Our House\" \u2026 sometimes the hard way. ","pubDate":{"date":"2019-02-04 21:17:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2087,"title":"Beat the Winter Blues with These Outdoor Activities","link":"https:\/\/blog.ruoff.com\/beat-the-winter-blues-with-these-outdoor-activities","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1028199950.jpg","description":"Welcome to the magical winter wonderland that is the Midwest. Unrivaled beauty and amenities make it a destination for outdoorsy types seeking winter recreation. Here's how you can make the most of this season by getting active in your own community and backyard!","pubDate":{"date":"2019-01-25 13:22:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2088,"title":"The Healthy Side of Homeownership","link":"https:\/\/blog.ruoff.com\/in-home-exercise","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Woman%20exercising%20at%20home.jpg","description":"Learn how you can get into great shape and keep your New Year's resolution, without a gym membership!","pubDate":{"date":"2019-01-23 15:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2089,"title":"Shopping Smart: Apps that will Save You Money","link":"https:\/\/blog.ruoff.com\/8-apps-to-save-money-shopping","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1043771292.jpg","description":"\ufeffSmartphones have changed the way we shop and take control of our personal finances. Apps have made it easy to save money and be a more informed consumer. That said, here are 8 apps savvy consumers should know about!","pubDate":{"date":"2019-01-17 13:40:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2090,"title":"You Should Refinance Your Mortgage","link":"https:\/\/blog.ruoff.com\/you-should-refinance-your-mortgage","topic":"Refinancing","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Refinance%20Your%20Home.jpg","description":"Whether or not to refinance is a question most home owners are faced with at some point and it can be a difficult decision to make. When weighing the pros and cons, it can help to understand some of the details.","pubDate":{"date":"2019-01-15 15:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2091,"title":"Bloomington: One Big Happy Family","link":"https:\/\/blog.ruoff.com\/bloomington-one-big-happy-family","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Bloomington%20Build-1.jpg","description":"Although Ruoff Home Mortgage serves homebuyers nationwide, our local branches, such as our team in Bloomington, Indiana pride themselves in doing their part to make their communities a better place.","pubDate":{"date":"2019-01-11 22:02:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2092,"title":"How to Avoid the Winter Blues at Home","link":"https:\/\/blog.ruoff.com\/how-to-avoid-the-winter-blues-at-home","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-871598336.jpg","description":"This time of year can mess with our minds and our moods, so it\u2019s important we keep a bag of tricks handy for when those walls start closing in. Here are some sure-fire ways to shake off those winter blues until spring comes back around.","pubDate":{"date":"2019-01-07 13:23:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2093,"title":"New Year's Resolutions You Can Stick To","link":"https:\/\/blog.ruoff.com\/new-years-resolutions-you-can-stick-to","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1174615840.jpg","description":"This year, set yourself up for success by creating realistic goals, mini victories that make a major difference over the long haul. Huge resolutions don\u2019t do any good if you can\u2019t stick to them, so start small in 2019.","pubDate":{"date":"2018-12-28 13:11:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}}
624,{"id":2094,"title":"How to Avoid Homebuyer's Remorse Before Buying a Home","link":"https:\/\/blog.ruoff.com\/how-to-avoid-homebuyers-remorse-before-buying-a-home","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Angry%20Couple%20in%20Home.jpg","description":"A home purchase is just like any big life decision in that there is no way of knowing if you are making the right choice until after the deed is done; however, there are plenty of steps you can take to avoid home buyer's remorse before you buy your home!","pubDate":{"date":"2018-12-27 13:16:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2095,"title":"Last-minute Holiday Gift Ideas","link":"https:\/\/blog.ruoff.com\/last-minute-holiday-gift-ideas","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-879186392.jpg","description":"We\u2019re all guilty of procrastinating every now and then. And holiday shopping is no exception. Fortunately, there are some easy (and well-received) gifts you find on the go and on a budget! Here are a few ideas you might consider!","pubDate":{"date":"2018-12-20 14:08:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2096,"title":"Winter Weather Safety & Savings Tips","link":"https:\/\/blog.ruoff.com\/winter-weather-safety-savings-tips","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/heating%20costs.jpg","description":"It\u2019s beginning to look a lot like\u2026costly heating bills and chimney fires? Not this winter! Just follow this quick list of do\u2019s and don\u2019ts to keep your home safe and your savings secure this holiday season.","pubDate":{"date":"2018-12-18 13:36:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2097,"title":"Ruoff's Spreading Christmas Cheer","link":"https:\/\/blog.ruoff.com\/christmas-cheer","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/HQ%20%282%29.jpeg","description":"Ruoff Home Mortgage and their staff are much more than a mortgage company\u2014they truly care about homeowners, their neighbors, fellow local businesses, and especially building their communities. Here's just a little taste of the holiday cheer Ruoff's branches and headquarters are spreading.","pubDate":{"date":"2018-12-14 20:58:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2098,"title":"How to Prepare for Santa's Arrival","link":"https:\/\/blog.ruoff.com\/preparing-for-santa","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Santa%20with%20Milk-Cookies.jpg","description":"If shopping, gift wrapping, food prepping, hosting, and bringing to life the magic of Santa for your extra-excited kids causes you to lose sight of the joy of Christmas, then take note of some of these excellent tips for alleviating stress and preventing that Christmas Eve rush!","pubDate":{"date":"2018-12-12 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2099,"title":"How to Reduce the Likelihood of a Home Invasion","link":"https:\/\/blog.ruoff.com\/how-to-reduce-the-likelihood-of-a-home-invasion","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-623985786.jpg","description":"Home security is a necessary part of responsible homeownership, albeit an unfortunate one. While it isn\u2019t always a fun topic, protecting your home and family brings peace of mind. There are steps you can take to keep you, your family, and your property safe.","pubDate":{"date":"2018-12-10 14:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2100,"title":"You (Yes You) Can Use Gifts to Get a Mortgage","link":"https:\/\/blog.ruoff.com\/gift-funds","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Holiday%20Gift%20Funds.jpg","description":"During the holiday season, we all think about giving presents to those we love and  care about. What better gift is there than helping a family member purchase a home? Yes\u2014that's really possible (even on the smallest gift giver budget)!","pubDate":{"date":"2018-12-06 16:47:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2101,"title":"Tips for Selling Your Home in the Winter","link":"https:\/\/blog.ruoff.com\/tips-for-selling-your-home-in-the-winter","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/House%20for%20sale.jpg","description":"The old rule of thumb is to wait until Spring to sell your house, but this isn\u2019t your grandma\u2019s real estate market. The power of the internet combined with a recent drop in housing inventory have kept things moving. We may have to wait until Spring for the ground to thaw, but today\u2019s selling market is warmer than ever.","pubDate":{"date":"2018-12-04 17:08:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2102,"title":"5 Ways to Furnish Your Home on a Budget","link":"https:\/\/blog.ruoff.com\/5-ways-to-furnish-your-home-on-a-budget","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/5-Ways-to-Furnish-Your-Home-on-a-Budget-1.jpg","description":"While exciting, it\u2019s easy as a first-time homeowner to feel overwhelmed by all the expenses that come with it.  However, there are ways to furnish your home sweet home on a budget.","pubDate":{"date":"2018-11-30 13:35:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2103,"title":"Why Does Your Mortgage Require So Much Paperwork?","link":"https:\/\/blog.ruoff.com\/why-does-your-mortgage-require-so-much-paperwork","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Paperwork%20-%20GettyImages-922726070.jpg","description":"There are different required documents whether you\u2019re buying your primary residence, a lake home (with a 
624second home mortgage), or refinancing your current mortgage\u2014there are different requirements and they all serve a purpose. Here are some simple explanations to help you make sense of it all. ","pubDate":{"date":"2018-11-26 17:20:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2104,"title":"Cover the Plugs and Lock-Up the Dog Food: Babyproofing 101","link":"https:\/\/blog.ruoff.com\/babyproofing-101","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-614153510.jpg","description":"That\u2019s where babyproofing comes in handy when your little one becomes mobile. A handful of modifications to your home can up the safety factor while still allowing space for baby to grow and learn.","pubDate":{"date":"2018-11-20 15:38:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2105,"title":"Urban Living Series: What You Wish You Knew Before Moving to the City","link":"https:\/\/blog.ruoff.com\/what-i-wish-i-knew","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Urban-GettyImages-803334232.jpg","description":"The urban life is a good life, but to those moving to the city for the first time it can feel like a big transition. After all, any change comes with a learning curve.  Three urban transplants shared great tips on making a smooth transition from there to here\u2026","pubDate":{"date":"2018-11-15 14:09:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2106,"title":"How to Host a Successful Thanksgiving","link":"https:\/\/blog.ruoff.com\/host-successful-thanksgiving","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Thanksgiving-GettyImages-614210082.jpg","description":"The Thanksgiving holiday is a time to reflect, spend time with family, and of course, EAT! Preparing and hosting Thanksgiving can be fulfilling (mostly filling) and intimidating! Here are some tips to ensure that your Thanksgiving celebration is successful and relaxing!","pubDate":{"date":"2018-11-14 14:53:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2107,"title":"Successful People Have This in Common","link":"https:\/\/blog.ruoff.com\/successful-people-have-this-in-common","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/To-dolistRuoff.png","description":"Read this post to find out what simple task could make you incredibly successful!","pubDate":{"date":"2018-11-14 13:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2108,"title":"Home for the Holidays \u2013 A Family Survival Guide","link":"https:\/\/blog.ruoff.com\/home-for-the-holidays-a-family-survival-guide","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/home%20for%20holidays.jpg","description":"The holidays are right around the corner. We have office parties and family traditions and hours and hours of shopping ahead of us, not to mention nights of cleaning and prepping our homes. How can we make this season a little easier on ourselves and our mental well-being?","pubDate":{"date":"2018-11-08 13:24:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2109,"title":"Your Home Should Be Your Comfort Zone","link":"https:\/\/blog.ruoff.com\/your-home-should-be-your-comfort-zone","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Your-Home-Should-Be-Your-Comfort-Zone.jpg","description":"Home is where you often go to relax and de-stress after a long day. Sometimes though, home can be the cause of our stress. This happens to a lot of us when our house is cluttered or unorganized.","pubDate":{"date":"2018-11-06 14:51:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2110,"title":"Urban Living: The Urbanite's Guide to Grocery Shopping","link":"https:\/\/blog.ruoff.com\/urban-living-grocery-shopping","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/grocery%20shopping%20urban%20living.jpg","description":"Need food? There comes a day in every grown-up\u2019s domestic journey when they open the fridge to the realization that no one else does their shopping anymore. If you\u2019re an urban-dweller staring into the dark cavern of an empty cupboard, this guide\u2019s for you.","pubDate":{"date":"2018-11-02 12:27:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2111,"title":"Fall Fun","link":"https:\/\/blog.ruoff.com\/fall-fun","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Untitled%20design%20%2818%29.jpg","description":"Fall is the perfect time of year to get out of the house and experience the beautiful outdoors. Grab a friend, significant other or your family and put some of these Fall fun ideas on your bucket list.","pubDate":{"date":"2018-10-26 14:04:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2112,"title":"Urban Living Series: Health Benefits of Liv
624ing in the City","link":"https:\/\/blog.ruoff.com\/health-benefits-of-living-in-the-city","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-901870214.jpg","description":"Does one\u2019s health improve after a move to the city? Arguments both for and against each side are plentiful, but the research in this post shows there\u2019s a clear winner. Here\u2019s some evidence to support the claim that an urban lifestyle contributes to one\u2019s health and wellness!","pubDate":{"date":"2018-10-23 13:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2113,"title":"5 Ways to Save on Heating Costs","link":"https:\/\/blog.ruoff.com\/5-ways-to-save-on-heating-costs","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-896351944.jpg","description":"Studies show that the average U.S. household spends more than $2,000 each year in home utility expenses. The measures you take now can make a significant dent in your future bills and make for a more comfortable home at the same time. Here\u2019s a look at a few ways you can curb heating costs!","pubDate":{"date":"2018-10-19 12:39:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2114,"title":"Budgeting for Christmas","link":"https:\/\/blog.ruoff.com\/budgeting-for-christmas","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-497939786.jpg","description":"It can be hard to budget for Christmas, maintaining that fine line of allowing the holiday magic to absorb you but not your bank account. Let\u2019s make a list and learn how to budget for the most wonderful and exhausting time of the year.","pubDate":{"date":"2018-10-15 14:06:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2115,"title":"Ann Arbor: Must Love Dogs (and golf)!","link":"https:\/\/blog.ruoff.com\/ann-arbor-team","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/27752266_197655410979066_2592713912418233710_n.jpg","description":"Although Ruoff Home Mortgage serves homebuyers nationwide, local branches, such as the team in Ann Arbor, Michigan pride themselves in doing their part to make their communities a better place. Read on to learn about the many unique and quirky talents held by the members of this team...you'll love it!","pubDate":{"date":"2018-10-12 19:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2116,"title":"How to Keep Common Household Pests Out of Your Home","link":"https:\/\/blog.ruoff.com\/how-to-keep-common-household-pests-out-of-your-home","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-1024109694.jpg","description":"The cool temps of autumn have arrived, and there are armies of pests busy looking for ways to infiltrate our pumpkin-scented homes. While we can\u2019t combat the arrival of winter winds, we can take steps to avoid the bands of bugs and vermin hoping to claim our dwelling for themselves.","pubDate":{"date":"2018-10-11 14:20:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2117,"title":"Urban Living Series: How to Do the Backyard Things When You Don\u2019t Have a Backyard","link":"https:\/\/blog.ruoff.com\/how-to-do-backyard-things-with-no-backyard","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-909377624.jpg","description":"But some of us don\u2019t have a backyard, or at least not one that\u2019s big enough for a swing-set. Don\u2019t fret, urban-dwellers! You can have it all in the city with these helpful tips!","pubDate":{"date":"2018-10-05 12:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2118,"title":"Small Expenses You Can Cut To Save Money","link":"https:\/\/blog.ruoff.com\/small-expenses-you-can-cut-to-save-money","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-905523728.jpg","description":"Stick to this list to the five things you can do that will cut small expenses that will add up to big results. Once these become habits, you can add more and end up saving more and more each year that way.","pubDate":{"date":"2018-10-03 13:37:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2119,"title":"Parenting Hacks: Old Tricks in a New Age","link":"https:\/\/blog.ruoff.com\/parenting-hacks-old-tricks-in-a-new-age","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-854450724.jpg","description":"The following \u201chacks\u201d are a small collection that represent the many frightening joys of parenting.","pubDate":{"date":"2018-10-01 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2120,"title":"Create a Fall Friendly Outdoor Living Space on a Budget","link":"https:\/\/blog.ruoff.com\/create-a-fall-friendly-outdoor-living-space-on-a-budget","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Untitled%20design%20%288%29.jpg","description":"Believe it or not, the Fall Season is not JUST about Pumpkin Spice Lattes. It's also a great time of year to have a lot of fun in an outdoor living space with your loved one
624s or relax in your own cozy nook. Follow these tips to create a fantastic outdoor space for your fall activities! ","pubDate":{"date":"2018-09-28 15:18:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2121,"title":"Can You Buy a House with Bad Credit?","link":"https:\/\/blog.ruoff.com\/can-you-buy-a-house-with-bad-credit","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Email%20credit%20photo-1.jpg","description":"Life happens. Sometimes when it does, it\u2019s your credit that suffers and it can be a challenge to find a lender to give you a break. We\u2019ve put together life\u2019s little instruction book on how to buy a house with less than perfect credit.","pubDate":{"date":"2018-09-27 12:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2122,"title":"Day 1 Certainty is the Future","link":"https:\/\/blog.ruoff.com\/fannie-mae-day-1-certainty","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Man%20with%20bike%20and%20cell%20phone%20-%20GettyImages-482983366.jpg","description":"Using cutting edge technology, like Day 1 Certainty, to create a quick and convenient user experience has put companies like Ruoff Home Mortgage in the forefront of the industry \u2014 and makes the entire home financing process (and your life) easier!","pubDate":{"date":"2018-09-25 16:10:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2123,"title":"Fall Food Favorites","link":"https:\/\/blog.ruoff.com\/fall-food-favorites","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/pumpkin%20spice.jpg","description":"Every fall, pumpkin spice items blanket the grocery store shelves. But, even if you aren\u2019t a pumpkin spice fan, there are plenty of seasonal foods that we equate with fall to help you celebrate the season. Here are some of our favorites.","pubDate":{"date":"2018-09-21 12:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2124,"title":"Life Hacks: Fun and Easy Tricks to Make Homeownership Easier","link":"https:\/\/blog.ruoff.com\/life-hacks-make-homeownership-easier","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Life%20Hacks%20Homeownership.png","description":"Homeownership is exciting, but it does come with its share of responsibilities, too. The trick is to find ways to make tasks and less time intensive. Today\u2019s savvy homeowner or (prospective homeowner) knows that time is money. That said, we have included some ways to hack homeownership!","pubDate":{"date":"2018-09-14 12:31:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2125,"title":"Private Mortgage Insurance (PMI): Why You Shouldn't Dislike It So Much","link":"https:\/\/blog.ruoff.com\/private-mortgage-insurance-pmi","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Couple%20Talking%20in%20Kitchen%20-%20shutterstock_364917668.jpg","description":"A lot of people think about PMI the same way that they think about income taxes or that annoying service fee that companies like to charge\u2014just another expense with no real benefit. The private mortgage insurance industry is a big reason why almost 7 out of every 10 Americans own their home.","pubDate":{"date":"2018-09-12 12:55:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2126,"title":"Terre Haute: A Family By Choice","link":"https:\/\/blog.ruoff.com\/terre-haute-family","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/IMG_3273%20%28002%29.jpg","description":"Although Ruoff Home Mortgage serves homebuyers nationwide, our local branches, such as our team in Terre Haute, Indiana pride themselves in doing their part to make their communities a better place.","pubDate":{"date":"2018-09-07 17:08:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2127,"title":"Cost Effective Ways to Stage Your Home","link":"https:\/\/blog.ruoff.com\/cost-effective-ways-to-stage-your-home","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/staging%20your%20home.jpg","description":"Are you selling your home soon? If you are, you should consider staging it. Staging a home means decorating and furnishing it in a way to appeal to the highest number of potential buyers. It is about putting your best foot forward and helps potential buyers envision themselves in the space.","pubDate":{"date":"2018-09-05 12:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2128,"title":"Urban Living: Make the Most of Your City's Trail System","link":"https:\/\/blog.ruoff.com\/urban-living-make-the-most-of-your-citys-trail-system","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_524000272.jpg","description":"Multi-use trail systems have much to offer but not everyone takes advantage of these smart, municipal park systems. Let us introduce you to several ways you can make the most of your city\u2019s trail system.","pubDate":{"date":"2018-09-04 13:25:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2129,"title":"5 Tips to Help You Improve Your Credit","link":"https:\/\/blog.ruoff.com\/5-tips-to-help-you-improve-your-credit","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/5-Tips-To-Help-You-Improve-Your-Credit.jpg","description":"Building a credit score is a lot like building a house of cards. It takes a lot of work and attention and they are easy to mess up. Whether you\u2019re trying to establish credit for the first time or need to rebuild your score, here are a few simple tips that will help speed up your process. ","pubDate":{"date":"2018-08-30 12:50:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2130,"title":"Go Green at Home - Inside and Out","link":"https:\/\/blog.ruoff.com\/go-green-at-home-inside-and-out","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Green%20Home.jpg","description":"Today\u2019s consumer is more informed and socially conscious than ever\u2014and that\u2019s a good thing. Oftentimes, the first place people make lifestyle changes is at home. We have some tips for you to make your humble abode more energy efficie
624nt, inside and out.","pubDate":{"date":"2018-08-28 12:38:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2131,"title":"Urban Living Series: How to Make Your Square Footage Count","link":"https:\/\/blog.ruoff.com\/urban-living-series-how-to-make-your-square-footage-count","topic":"Lifestyle","backgroundImage":"https:\/\/blog.expeditehomeloans.com\/hs-fs\/hubfs\/Untitled%20design%20%2810%29.jpg?t=1516113955260&width=640&name=Untitled%20design%20%2810%29.jpg","description":"The urban lifestyle puts a premium on space. We urbanites tend to drive smaller cars, grow smaller gardens, and cook in smaller kitchens. We\u2019re creative, we\u2019re green, we\u2019re resourceful. And we\u2019re happy to share our tips for making the most of the space you\u2019ve got.","pubDate":{"date":"2018-08-24 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2132,"title":"What is Debt-to-Income and How does it Affect Me?","link":"https:\/\/blog.ruoff.com\/what-is-debt-to-income-and-how-does-it-affect-me","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-964129720.jpg","description":"Debt to Income is a term you\u2019re going to hear nearly every time you apply for a loan, though it\u2019s seldom explained. Let\u2019s take a minute to review what it is, what it isn\u2019t and how it impacts you.","pubDate":{"date":"2018-08-22 12:21:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2133,"title":"Be Our Guest: Guest Room Essentials","link":"https:\/\/blog.ruoff.com\/be-our-guest-guest-room-essentials","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_343759709%20%281%29.jpg","description":"Guests fill our homes with laughter and joy. As a gracious host, you\u2019ll want to make sure your guest room is as welcoming as the rest of the house. Here are a few essentials to consider to make the space cozy, inviting\u2014and practical at the same time.","pubDate":{"date":"2018-08-20 20:04:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2134,"title":"For the Love of Lafayette","link":"https:\/\/blog.ruoff.com\/for-the-love-of-lafayette","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/12244535_10153783593718466_2434505518698848940_o%20%282%29.jpg","description":"Although Ruoff Home Mortgage serves homebuyers nationwide, our local branches, such as our team in Lafayette, Indiana pride themselves in doing their part to make their communities a better place.","pubDate":{"date":"2018-08-16 18:29:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2135,"title":"TNT: A Letter From Our President","link":"https:\/\/blog.ruoff.com\/tnt-a-letter-from-our-president","topic":"Ruoff Insider","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/TNTHands.jpg","description":"This afternoon, we learned that we have once again made the list of Inc. 5000 Fastest Growing Private Companies in America. Read the message Mark Music, President and CEO, has to share with the Ruoff Community. ","pubDate":{"date":"2018-08-15 20:56:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2136,"title":"How Taxes and Insurance Tie into Your Mortgage Payments","link":"https:\/\/blog.ruoff.com\/taxes-and-insurance-mortgage-payments","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_700414471.jpg","description":"Have you ever wondered why taxes and insurance are tied into your mortgage payment? Or have you heard the term \u201cescrow account\u201d and questioned what exactly that was? Escrow accounts are required for many homebuyers, especially those with low down payments, or 80% or greater Loan to Value.","pubDate":{"date":"2018-08-14 17:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2137,"title":"Fun and Healthy Tips to Packing School Lunches on a Budget","link":"https:\/\/blog.ruoff.com\/packing-school-lunches-on-a-budget","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/GettyImages-695839094.jpg","description":" Planning for school lunches can be tricky. Depending on budget, timing and unpredictable circumstances, it may make more sense to forgo the school lunch. Here are some helpful tips to make your school packing pains a thing of the past! ","pubDate":{"date":"2018-08-10 13:55:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2138,"title":"Urban Living has its Perks","link":"https:\/\/blog.ruoff.com\/urban-living-has-its-perks","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Urban%20Living%20Has%20Its%20Perks.jpg","description":"The term \u201curban living\u201d has a 
624nice ring to it. Many home buyers choose an urban lifestyle because it keeps them close to the local art and music scene. But the benefits go beyond culture. Urban living can lead to a greener and more economic lifestyle as well!","pubDate":{"date":"2018-08-08 18:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2139,"title":"Get Outside: Budget-Friendly Backyard Fun","link":"https:\/\/blog.ruoff.com\/get-outside-budget-friendly-backyard-fun","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_595548434.jpg","description":"There\u2019s plenty of summer weather left to take in. We suggest an afternoon or evening of backyard family fun to create memories that will last a lifetime. Consider these low-cost ways to transform your backyard into fun central.","pubDate":{"date":"2018-08-06 19:03:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2140,"title":"Can You Buy a House with Student Loan Debt?","link":"https:\/\/blog.ruoff.com\/can-you-buy-a-house-with-student-loan-debt","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_256626130.jpg","description":"Student Loan Hero quotes \u201cAmericans owe nearly $1.3 trillion in student loan debt, spread out among about 44 million borrowers.\u201d With this shocking statistic, along with others in their article, it is no wonder why this question is on so many people\u2019s minds.","pubDate":{"date":"2018-08-02 19:28:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2141,"title":"House to Home in 10 Easy Steps","link":"https:\/\/blog.ruoff.com\/house-to-home-in-10-easy-steps","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/House%20to%20Home.jpg","description":"The most important thing to truly make your house a home is by sharing it with the people that you love. Invite friends and family over and start making memories. Turn your house to home with these 10 simple steps. ","pubDate":{"date":"2018-07-31 20:01:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2142,"title":"Why You Should Buy a Lake House","link":"https:\/\/blog.ruoff.com\/why-you-should-buy-a-lake-house","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_370661708%20%281%29.jpg","description":"If you\u2019re reading this, you probably like the idea of owning a lake home. Ruoff Home Mortgage, also likes the idea of you owning a lake home. Lake properties are a great investment, and one that you can start enjoying from day one. Just think of the memories you\u2019ll create!","pubDate":{"date":"2018-07-27 12:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2143,"title":"The Social Benefits of Homeownership","link":"https:\/\/blog.ruoff.com\/the-social-benefits-of-homeownership","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_283815887.jpg","description":"\u201cHome\u201d is a feeling, not a price tag.  That feeling of home is positive, powerful, and priceless.  So it\u2019s not surprising that homeownership not only improves your finances, but improves your self-esteem, your family, your neighborhood, and even this country!","pubDate":{"date":"2018-07-25 12:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2144,"title":"3 Ways Money Can Affect Your Relationships","link":"https:\/\/blog.ruoff.com\/3-ways-money-can-affect-your-relationships","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/3-Ways-Money-Can-Affect-Your-Relationships.jpg","description":"Money can be an emotionally charged topic. If you are going to be involved with someone, expect that finances will enter the equation somehow. Here are 3 ways money can affect your relationships, along with some tips for managing expectations.","pubDate":{"date":"2018-07-23 12:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2145,"title":"Tips to Avoid Nightmares when Applying for a Mortgage","link":"https:\/\/blog.ruoff.com\/tips-when-applying-for-a-mortgage","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Tips-to-Avoid-Nightmares-when-Applying-for-a-Mortgage.jpg","description":"Once you get pre-approved to buy a home it is very important to follow the steps listed in order to avoid pain and suffering in the home buying process.","pubDate":{"date":"2018-07-19 14:03:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2146,"title":"DIY Decorating Projects","link":"https:\/\/blog.ruoff.com\/diy-decorating-projects","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_72854938%20%281%29.jpg","description":"Decorating your home can be daunting, not to mention expensive. Whether it\u2019s a new-to-you home, or an update of your existing home, there are many things you can do yourself, and on a budget. Here a few of our favorites.","pubDate":{"date":"2018-07-17 20:06:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2147,"title":"5 Parenting Hacks to get Your Kids to do their Chores","link":"https:\/\/blog.ruoff.com\/5-parenting-hacks-to-get-your-kids-to-do-their-chores","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/5-Parenting-Hacks-to-get-Your-Kids-to-do-their-C
624hores.jpg","description":"Convincing your kids to do their chores may have proven a daunting task until now. We\u2019ve got a set of five parenting hacks for you to try. Each one puts a unique spin on household duties \u2013and the prep work can be fun for parents, too!","pubDate":{"date":"2018-07-13 19:32:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2148,"title":"Understanding Your Purchase Agreement","link":"https:\/\/blog.ruoff.com\/understanding-your-purchase-agreement","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Understanding%20Purchase%20Agreement%20.jpg","description":"A purchase agreement is a legal offer to buy a property. Purchase agreements can be intimidating with their terms and fine print and it is highly recommended you use a realtor to assist with the legalese. Let\u2019s take a look at the different parts of a purchase agreement you should know about.","pubDate":{"date":"2018-07-11 14:07:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2149,"title":"Overhead and Underfoot: The Best Home Improvement Bang for your Buck","link":"https:\/\/blog.ruoff.com\/best-home-improvement-bang-for-your-buck","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Home%20Improvements%20Bang%20for%20Your%20Buck.jpg","description":"When considering which home improvement project you\u2019ll take on next, research indicates the best bang-for-your-buck home improvements are right under your feet, over your head and otherwise unseen.","pubDate":{"date":"2018-07-09 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2150,"title":"Buzz Off! 10 Ways to Keep the Bugs Away this Summer","link":"https:\/\/blog.ruoff.com\/10-ways-to-keep-the-bugs-away-this-summer","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_311812151%20%281%29.jpg","description":"There are some precautions you can take to cut down on unwelcome guests like mosquitos and ticks. Show insects who\u2019s boss with these practical tips for outside and inside the home!","pubDate":{"date":"2018-07-05 12:05:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2151,"title":"When is it Time to Stop Renting and Buy?","link":"https:\/\/blog.ruoff.com\/time-to-stop-renting-and-buy","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/When-is-it-Time-to-Stop-Renting-and-Buy.jpg","description":"Taking the plunge too soon could mean settling for the wrong house, but waiting too long means you\u2019re paying rent when you could be building equity. So how do you find the sweet spot where renting should end and homebuying should begin?","pubDate":{"date":"2018-07-03 15:16:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2152,"title":"Summer's Favorite Grilling Recipes","link":"https:\/\/blog.ruoff.com\/summers-favorite-grilling-recipes","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/summer%20grilling.jpg","description":"Summer means playing outside, long bike rides, family vacations, and backyard grilling.  Whether for a family cookout or a weeknight meal, grilling allows you to get outside, while also preparing delicious, healthy meals for you and your family. Here are a few of our favorite recipes.","pubDate":{"date":"2018-06-29 12:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2153,"title":"Homeowner 101: What You Need to Know After You Move In","link":"https:\/\/blog.ruoff.com\/homeowner-101-after-you-move-in","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_635001983.jpg","description":"Congratulations! You bought a house, now what? Owning a home is truly rewarding, and while a lot of responsibility and work lies ahead, the efforts you put in at the start really does make a huge difference in the end. ","pubDate":{"date":"2018-06-27 18:44:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2154,"title":"Easy Money Saving Hacks","link":"https:\/\/blog.ruoff.com\/easy-money-saving-hacks","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Easy-Money-Saving-Hacks.jpg","description":"Owning your home often saves you a lot of money vs renting in the long run. Here are some lesser known tips to help you save even more money.  ","pubDate":{"date":"2018-06-25 14:27:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2155,"title":"Tips to Make Your Home a Hot Commodity this Summer","link":"https:\/\/blog.ruoff.com\/make-your-home-a-hot-commodity-this-summer","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_285407522.jpg","description":"The residential real estate market at large is hot right now! It\u2019s not unusual for homes to sell in a matter of days\u2014or even hours! This is good news for sellers who want to move quickly. Read why summer is prime time for home shopping.","pubDate":{"date":"2018-06-21 18:41:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2156,"title":"Weeding Out Common Gardening Mistakes","link":"https:\/\/blog.ruoff.com\/weeding-out-common-gardening-mistakes","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_634527005.jpg","description":"Misinformation and bad habits can be as persistent as weeds for both new and seasoned gardeners. Hear from some of the best landscapers and gardeners in the business as they weigh in on the most common myths and mistakes they see \u2014 and what could be done instead for better results.","pubDate":{"date":"2018-06-19 15:28:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2157,"title":"Hosting Tips for Your Housewarming Party","link":"https:\/\/blog.ruoff.com\/hosting-tips-for-your-housewarming-party","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/hosting%20party.jpg","description":"Becoming a homeowner is a big deal and having your first house is so exciting. Once you\u2019re all settled in and everything is just the way you want it, there\u2019s only one thing left for you to do. Throw a party! Here are a few tips to help you make sure that your housewarming party is a success.","pubDate":{"date":"2018-06-15 12:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2158,"title":"5 Home Buying Roadblocks that Millennials are Beating","link":"https:\/\/blog.ruoff.com\/5-home-buying-roadblocks-that-millennials-are-beating","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Millennial%20Home%20Buyers.jpg","description":" Millennials comprise the largest share of home buyers. Millennials have had to surmount more roadblocks to homeownership than any generation of Americans this side of World War II! Read more to find out what those challenges are.","pubDate":{"date":"2018-06-13 12:40:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2159,"title":"Easy Ways to Increase Your Home's Curb Appeal","link":"https:\/\/blog.ruoff.com\/easy-ways-to-increase-your-homes-curb-appeal","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Curb%20Appeal.jpg","description":"It is important that your home and 
624yard is well kept and maintained. Here are some inexpensive ways you can spruce up your home\u2019s curb appeal.","pubDate":{"date":"2018-06-11 17:27:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2160,"title":"Don't Make These 7 Costly Mistakes When Online Home Shopping","link":"https:\/\/blog.ruoff.com\/7-mistakes-when-online-home-shopping","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Don%E2%80%99t-Make-These-7-Costly-Mistakes-When-Online-Home-Shopping.jpg","description":"With online home shopping on the rise, buyers have a whole new set of challenges. We\u2019ve assessed seven of the most common mistakes that online home buyers make. Here\u2019s what you can do to avoid buying the wrong house!","pubDate":{"date":"2018-06-08 13:37:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2161,"title":"Smart Technology for Your Home","link":"https:\/\/blog.ruoff.com\/smart-technology-for-your-home","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/smart%20home.jpg","description":"We live in a \u201csmart\u201d society. Smart technology is everywhere and the trend to turn our homes into smart homes is here to stay. The newest home tech devices and apps can simplify tasks, make better use of resources, and transform the way we live.","pubDate":{"date":"2018-06-05 16:47:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2162,"title":"Companion Planting Creates Harmony in the Garden","link":"https:\/\/blog.ruoff.com\/companion-planting-in-the-garden","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Companion%20Planting.jpg","description":"Companion planting is based on the belief that certain plants benefit others when they\u2019re planted together or near each other. We have included some of these friends and foes in this post! ","pubDate":{"date":"2018-06-01 14:38:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2163,"title":"How to Find the Right Neighborhood For You","link":"https:\/\/blog.ruoff.com\/find-the-right-neighborhood","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/How-to-Find-the-Right-Neighborhood.jpg","description":"They say home is where the heart is\u2014but there\u2019s more to it than that. Finding the best neighborhood for you and your family can make a world of difference. ","pubDate":{"date":"2018-05-31 14:10:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2164,"title":"Why You Should Have a Realtor when Selling a Home","link":"https:\/\/blog.ruoff.com\/you-should-have-a-realtor-when-selling-a-home","topic":"Home Selling","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Why-You-Should-Have-a-Realtor-when-Selling-a-Home.jpg","description":"Selling a home is a big deal and worth enlisting the help of a professional. Listed are the reasons you should hire a Realtor\u00ae to list your home, and what could go wrong if you don\u2019t.","pubDate":{"date":"2018-05-29 13:48:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2165,"title":"You're a Rockstar! You've Earned a Stellar Credit Score... Now What?","link":"https:\/\/blog.ruoff.com\/rockstar-credit-score","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_197729333-405231-edited.jpg","description":"Having good credit is important because it determines whether you\u2019ll qualify for a loan. The higher your credit score is, the better interest rate you could receive, which can save you hundreds and even thousands of dollars over the life of a loan!  Read how you can maintain a rockstar credit score!","pubDate":{"date":"2018-05-24 12:52:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2166,"title":"What You Need to Know When Buying a House in a Seller's Market","link":"https:\/\/blog.ruoff.com\/what-you-need-to-know-when-buying-a-house-in-a-sellers-market","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_12023785.jpg","description":"Real estate is a \u201cseller\u2019s market\u201d this year. Inventory is low, home prices are trending upward, and houses don\u2019t stay on the market long. Now is still a great time to buy a house.","pubDate":{"date":"2018-05-23 13:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}}
624,{"id":2167,"title":"Don't Bite Off More Than You Can Chew: How to Find a Home that Fits Your Taste","link":"https:\/\/blog.ruoff.com\/how-to-find-a-home-that-fits-your-taste","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_141036043.jpg","description":"Finding a property that takes into account your lifestyle, location preferences and budget can be no small undertaking. Buyers must know what to prioritize, what to budget for and what to compromise on when it comes to finding the right home. Here are some tips to help you find the best one for you!","pubDate":{"date":"2018-05-22 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2168,"title":"What is the Difference Between a Home Appraisal and an Inspection?","link":"https:\/\/blog.ruoff.com\/what-is-the-difference-between-a-home-appraisal-and-an-inspection","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/What-is-the-Difference-Between-a-Home-Appraisal-and-an-Inspection-1.jpg","description":"A new home is a big investment, so you need to know what you're buying. Home Inspectors and Home Appraisers are great assets because they will lay out all the facts on the value and the condition of the home you are considering. Read more about the difference between appraisals and inspections!","pubDate":{"date":"2018-05-18 14:24:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2169,"title":"8 Steps to a Clean and Organized Garage (And only 6 are mandatory)","link":"https:\/\/blog.ruoff.com\/8-steps-to-a-clean-and-organized-garage","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/8-Steps-to-a-Clean-and-Organized-Garage.jpg","description":"Clutter has a way of sneaking up on us, and garages are notorious for becoming catchalls for the little treasures we just don\u2019t know what to do with yet. If your garage is looking less like a useful space and more like a hoarder\u2019s paradise then it\u2019s time for a proper cleanout.","pubDate":{"date":"2018-05-16 17:23:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2170,"title":"Garden Starter: Raise Your Odds","link":"https:\/\/blog.ruoff.com\/garden-starter-raise-your-odds","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_378375292%20%281%29.jpg","description":"If you are new to gardening, you\u2019re probably craving a little success. One way to raise your odds of success is to garden with raised beds, which means building a garden bed above the ground instead of in it. Check out this post for more information!","pubDate":{"date":"2018-05-14 18:33:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2171,"title":"One-Day Home Improvement Projects Just in Time for Mother's Day","link":"https:\/\/blog.ruoff.com\/one-day-home-improvement-projects-just-in-time-for-mothers-day","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Mother%27s%20Day%20projects.jpg","description":"It\u2019s Mother\u2019s Day again and we have the perfect ideas for gifts for mom this year! We have a list of four home improvement projects that can be completed in less than a day. Total cost ranges from $25 - $100! Your time commitment is under eight hours, but mom can enjoy your gift for years to come.","pubDate":{"date":"2018-05-10 17:08:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2172,"title":"17+ Tips and Tricks for a Successful Move","link":"https:\/\/blog.ruoff.com\/17-tips-and-tricks-for-a-successful-move","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_402629161.jpg","description":"Moving is a monumental task, especially if you\u2019ve lived in your current place a long time and have accumulated a lot of stuff. The earlier you start, the better off you\u2019ll be, but sometimes things happen quickly. Here are some moving tips to help you navigate the day and the weeks leading up to it.","pubDate":{"date":"2018-05-09 18:20:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2173,"title":"Things College Graduates Should Do Before Buying a House","link":"https:\/\/blog.ruoff.com\/things-college-graduates-should-do-before-buying-a-house","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_567950515%20%281%29.jpg","description":"Buying a home is a wonderful way to begin your post-college years. Your home could be a profitable investment, but be sure to complete the five steps above before you start shopping.","pubDate":{"date":"2018-05-08 13:56:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2174,"title":"Applying for a Mortgage Should be Simple","link":"https:\/\/blog.ruoff.com\/applying-for-a-mortgage-should-be-simple","topic":"Mortgage 101","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/Applying-For-a-Mortgage-Should-Be-Simple.jpg","description":"Applying for a mortgage should be simple, so why does it often seem so hard? Well, the answer is 'it doesn't have to be', so we broke down the ins and outs of the mortgage process for you.","pubDate":{"date":"2018-05-04 17:04:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2175,"title":"Get the Party Started: How to Throw the Ultimate Graduation Open House","link":"https:\/\/blog.ruoff.com\/how-to-throw-the-ultimate-graduation-open-house","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_479375986.jpg","description":"Whether high school or college, an open-house style format lends itself well to graduation parties. Follow our guide to have the ultimate graduation party. ","pubDate":{"date":"2018-05-02 17:58:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2176,"title":"Garden Starter: Hit the Deck","link":"https:\/\/blog.ruoff.com\/garden-starter-hit-the-deck","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_79889554.jpg","description":"It\u2019s spring and maybe you haven\u2019t done much gardening, you have only a deck or balcony to work with or you\u2019re just not ready to \u201cdig in\u201d and commit to an in-ground flower or vegetable bed. Consider these container options for your garden!","pubDate":{"date":"2018-04-30 16:05:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2177,"title":"How do I Know if I Should Refinance My Home?","link":"https:\/\/blog.ruoff.com\/how-do-i-know-if-i-should-refinance-my-home","topic":"Refinancing","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/How-Do-I-Know-If-I-Should-Refinance-My-Home.jpg","description":"Refinancing is something we hear about all of the time \u2013 lower your rate, lower your payment, get cash from the equity in your home, pay off your mortgage faster! Those are all good things \u2013 but which is right for you?","pubDate":{"date":"2018-04-26 19:16:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2178,"title":"Invite Your Kids into the Kitchen","link":"https:\/\/blog.ruoff.com\/invite-your-kids-into-the-kitchen","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_518942572.jpg","description":"Do you know that having dinner together as a family several times a week has a positive effect on children? We have a few recipes you should definitely check out!","pubDate":{"date":"2018-04-24 19:21:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2179,"title":"No Credit? Start Building it Today!","link":"https:\/\/blog.ruoff.com\/no-credit-start-building-it-today","topic":"Finances","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/building%2
6240credit%20cover.jpg","description":"By maintaining a good credit score you are saving yourself money over time when you finance things. Read this post for great tips on how you can begin building your credit today! ","pubDate":{"date":"2018-04-20 15:10:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2180,"title":"Garden Starter: Just Add Flowers","link":"https:\/\/blog.ruoff.com\/garden-starter-just-add-flowers","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/just%20add%20flowers.jpg","description":"Want to start gardening but aren\u2019t sure where to begin? It\u2019s easy to get overwhelmed by all the options and information available, but starting small can yield great benefits.","pubDate":{"date":"2018-04-18 05:14:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2181,"title":"Why You Need a Good Home Inspection Before You Sign","link":"https:\/\/blog.ruoff.com\/why-you-need-a-good-home-inspection-before-you-sign","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_347647109%20%281%29-438516-edited.jpg","description":"Buying a home is obviously a huge decision and one that is not easily undone. Once those papers are signed, there is no guaranteed return policy. It is important that you have a good home inspection done before you buy!","pubDate":{"date":"2018-04-16 16:33:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2182,"title":"Now is the Time for Spring Cleaning!","link":"https:\/\/blog.ruoff.com\/now-is-the-time-for-spring-cleaning","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_548494495.jpg","description":"Spring cleaning is an annual tradition for many people, and for those who really love to clean, nothing is more satisfying. There are many resources available to help you prioritize and a few tricks on how you can engage the entire family in the project.","pubDate":{"date":"2018-04-12 14:07:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2183,"title":"What Can Go Wrong When You Buy Without a Realtor","link":"https:\/\/blog.ruoff.com\/what-can-go-wrong-when-you-buy-without-a-realtor","topic":"Homebuying","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/What-Can-Go-Wrong-When-You-Buy-Without-a-Realtor.jpg","description":"Buying a home is a lengthy, emotional process. The shopping part is fun, but there are several other things you may 
624not be prepared for unless you buy with a realtor. ","pubDate":{"date":"2018-04-10 14:58:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2184,"title":"Shut the Front Door! What Your Color Choice Says About You","link":"https:\/\/blog.ruoff.com\/shut-the-front-door-what-your-color-choice-says-about-you","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/shutterstock_565463119%20%281%29.jpg","description":"Your front door packs a major punch when it comes to first impressions. Just like your home\u2019s architecture, the paint color is more than just an aesthetic choice. It can show a lot about your personality. Read more to find out what your shade of choice says about you!","pubDate":{"date":"2018-04-06 12:40:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2185,"title":"8 Tasks All Homeowners Should Know How to Perform","link":"https:\/\/blog.ruoff.com\/8-homeowner-tasks-you-should-know-how-to-perform","topic":"Lifestyle","backgroundImage":"https:\/\/cdn2.hubspot.net\/hubfs\/2759433\/8-Tasks-All-Homeowners-Should-Know-How-to-Perform.jpg","description":"Owning your own home comes with many rewards and benefits! It is also a big responsibility\u2014 Here\u2019s a list of homeowner tasks you should know how to perform.","pubDate":{"date":"2018-04-04 18:53:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2186,"title":"Make Your House a Home: Tips Based on Your Personality Type","link":"https:\/\/blog.ruoff.com\/house-personality-tips","topic":"Lifestyle","backgroundImage":" null","description":"What's one thing most of us agree on? We each want a house the feels like home \u2014 TO US. Learn about yourself and use these tips to create your home! ","pubDate":{"date":"2018-10-09 17:54:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2187,"title":"Pantry Organization: 101","link":"https:\/\/blog.ruoff.com\/pantry-organization-101","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Pantry-Organization-101.jpg","description":"Here are 5 tips to make your pantry less chaotic and at the same time make dinnertime a little easier.","pubDate":{"date":"2021-10-13 12:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2188,"title":"What is Amortization? Mortgage Terms Explained","link":"https:\/\/blog.ruoff.com\/what-is-amortization-mortgage-terms-explained","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/What-is-Amortization-Mortgage-Terms-Explained.jpg","description":"The gradual shift from paying mostly interest to mostly debt payment defines an amortized mortgage.","pubDate":{"date":"2021-10-08 12:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2189,"title":"Affordable Interior Design Tips for Your First Home","link":"https:\/\/blog.ruoff.com\/affordable-interior-design-tips-for-your-first-home","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Affordable-Interior-Design-Tips-for-Your-First-Home.jpg","description":"You can be as creative as you want with your interior design, making your living space a true expression of who you are.","pubDate":{"date":"2021-10-07 13:51:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2190,"title":"What If I Lose My Job After a Purchase Offer?","link":"https:\/\/blog.ruoff.com\/what-if-i-lose-my-job-after-a-purchase-offer","topic":"Mortgage 101","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/What-If-I-Lose-My-Job-After-a-Purchase-Offer.jpg","description":"Preapproval is essential and frequent communication with your loan officer is important. Keeping your loan officer informed of changes can prevent delays.","pubDate":{"date":"2021-10-04 17:28:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2191,"title":"Preparing Your Garden for Winter","link":"https:\/\/blog.ruoff.com\/preparing-your-garden-for-winter","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Preparing-Your-Garden-for-Winter.jpg","description":"A whole new season of produce awaits the folks with the forethought and skill to see the winter through.","pubDate":{"date":"2021-10-01 12:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2192,"title":"How Much Can I Borrow for Home Improvements?","link":"https:\/\/blog.ruoff.com\/how-much-can-i-borrow-for-home-improvements","topic":"Refinancing","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/How-Much-Can-I-Borrow-for-Home-Improvements.jpg","description":"Many homeowners want to take on a home improvement project but put it off for years because they don\u2019t have enough cash. Let's look at some options. ","pubDate":{"date":"2021-09-29 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2193,"title":"Life Insurance: Your Guide to the Basics","link":"https:\/\/blog.ruoff.com\/life-insurance-your-guide-to-the-basics","topic":"Finances","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Life-Insurance-Your-Guide-to-the-Basics.jpg","description":"You don\u2019t want your family to be left scrambling to pick up the pieces after your untimely death. Life insurance is really a necessity these days.","pubDate":{"date":"2021-09-27 14:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}}
624,{"id":2194,"title":"Cozy Fall D\u00e9cor Ideas","link":"https:\/\/blog.ruoff.com\/cozy-fall-d\u00e9cor-ideas","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/GettyImages-1249579569.jpg","description":"Getting ready for fall means stuffing the summery decorations into the closet and filling your home with warm fall colors. We have some ideas to get your home feeling warm and cozy!","pubDate":{"date":"2021-09-24 17:06:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2195,"title":"Things to Check Before Moving Into Your New Home","link":"https:\/\/blog.ruoff.com\/things-to-check-before-moving-into-your-new-home","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Things-to-Check-Before-Moving-Into-Your-New-Home.jpg","description":"There are some things you should check before moving into your new home. Doing it now can save you a lot of time, money, and major headaches.","pubDate":{"date":"2021-09-23 14:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2196,"title":"How To Make a Competitive Offer In Today\u2019s Market","link":"https:\/\/blog.ruoff.com\/how-to-make-a-competitive-offer-in-todays-market","topic":"Homebuying","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/How-To-Make-a-Competitive-Offer-In-Today%E2%80%99s-Market.jpg","description":"In today\u2019s market, there are many moving parts that could make or break your purchase offer. ","pubDate":{"date":"2021-09-22 16:41:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2197,"title":"Top Tips and Advice for Home Renovations","link":"https:\/\/blog.ruoff.com\/top-tips-and-advice-for-home-renovations","topic":"Lifestyle","backgroundImage":"https:\/\/f.hubspotusercontent30.net\/hubfs\/2759433\/Top-Tips-and-Advice-for-Home-Renovations.jpg","description":"Should you DIY or hire a professional for home renovations? If you're not sure, think about the outcome and ROI for each. ","pubDate":{"date":"2021-09-17 16:31:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2198,"title":"Do First Time Homebuyers Need a Down Payment?","link":"https:\/\/blog.ruoff.com\/do-first-time-homebuyers-need-a-down-payment","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/When-Should-You-Buy-a-House.jpg","description":"Years ago, there was a belief that buyers should pay a 20% down payment when buying a home. But that thinking has gone by the wayside, and there are loan programs designed to help buyers afford a home with less. Let\u2019s explore down payment options for first time homebuyers.","pubDate":{"date":"2021-11-05 19:03:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2199,"title":"4 Tips to Get You Motivated to Workout","link":"https:\/\/blog.ruoff.com\/4-tips-to-get-you-motivated-to-workout","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-to-Motivate-Yourself-to-Workout.jpg","description":"Motivation isn\u2019t a bottomless well. Rather, it\u2019s more like something that needs to be replenished every now and then. Yet the good news is that motivation begets motivation. When you get a handle on a habit, it becomes second nature and part of your routine, even.","pubDate":{"date":"2021-11-03 18:57:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2200,"title":"How Much Money Should You Save to Buy a House?","link":"https:\/\/blog.ruoff.com\/how-much-money-should-you-save-to-buy-a-house","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Much-Money-Should-You-Save-to-Buy-a-House.jpg","description":"Are you saving money to buy a house? Great choice! For most Americans, their home is their number one investment and a substantial portion of their net worth. You might be asking yourself, \u201cHow much money should I save?\u201d","pubDate":{"date":"2021-11-01 14:20:17.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2201,"title":"Tips for Purchasing a Beach House","link":"https:\/\/blog.ruoff.com\/tips-for-purchasing-a-beach-house","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Tips-for-Purchasing-a-Beach-House.jpg","description":"What could be more relaxing than owning your own beach house? Being able to wake up to softly lapping waves every morning, enjoying vibrant sunsets, and breathing in the fresh air every day sounds pretty idyllic, and it doesn\u2019t have to be just a fantasy.","pubDate":{"date":"2021-10-29 17:14:16.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2202,"title":"Budgeting for the Holidays","link":"https:\/\/blog.ruoff.com\/budgeting-for-the-holidays","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Budgeting-for-the-Holidays.jpg","description":"The act of creating and maintaining a household budget does not rank high on the fun scale. From debits and credits to line-item entries, finding the time and discipline to record every expense can be downright tedious! ","pubDate":{"date":"2021-10-27 16:46:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2203,"title":"How Do You Find Out the Equity in Your Home?","link":"https:\/\/blog.ruoff.com\/how-do-you-find-out-the-equity-in-your-home","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Do-You-Find-Out-the-equity-in-your-home.jpg","description":"Homeownership is part of the American dream. And it\u2019s the goal of every homeowner to own 100% of his home. That\u2019s the point of a mortgage--a lender helps you buy a home, and with every payment, you earn more and more equity until, eventually, you pay back your entire loan and own the home free and clear. ","pubDate":{"date":"2021-10-25 14:17:33.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2204,"title":"Halloween Decor on a Budget","link":"https:\/\/blog.ruoff.com\/halloween-decor-on-a-budget","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Halloween-Decor-on-a-Budget.jpg","description":"October has arrived, and with it comes all things spooky and pumpkin-spiced \u2013 but those things tend to have a price tag, and it can be a pretty steep one. Save those dollars for investments that last longer than a single season because Halloween d\u00e9cor doesn\u2019t have to break the bank. With a little creativity and s
624ome everyday items, you can turn boring into boo-tiful!","pubDate":{"date":"2021-10-22 12:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2205,"title":"Can I Improve My Credit by Paying Collections?","link":"https:\/\/blog.ruoff.com\/can-i-improve-my-credit-by-paying-collections","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Can-I-Improve-My-Credit-by-Paying-Collections.jpg","description":"Credit can be a nebulous concept, and it can be tricky how different factors affect your credit score. One thing is clear though: unpaid bills and debts can be sent to debt collectors, which will hurt your credit.","pubDate":{"date":"2021-10-20 17:32:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2206,"title":"Must-Have Tools for New Homeowners","link":"https:\/\/blog.ruoff.com\/must-have-tools-for-new-homeowners","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Must-Have-Tools-for-New-Homeowners.jpg","description":"The first year of homeownership tends to be a learn-as-you-go journey for many beginner buyers. Even turn key properties come with their fair share of maintenance needs, so being prepared with a healthy range of tools can make all the difference those first 365 days. ","pubDate":{"date":"2021-10-18 13:24:19.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2207,"title":"9+ Things You Must Fix Before Selling Your Home","link":"https:\/\/blog.ruoff.com\/9-things-you-must-fix-before-selling-your-home","topic":"Home Selling","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-needs-to-be-fixed-or-improved-before-selling-a-house.jpg","description":"If you\u2019re putting your house on the market this year, congratulations! Now is a great time to sell. Also, kudos on your decision to be proactive in fixing any issues now and\/or improving the things that could add more value to your home.","pubDate":{"date":"2021-10-15 11:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2208,"title":"Easy Soup Recipes","link":"https:\/\/blog.ruoff.com\/easy-soup-recipes","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/GettyImages-1205540422.jpg","description":"One of the easiest dinners during fall time is a hearty soup. The best ones are the ones you can just throw the ingredients in a pot and let it simmer. There are few better feelings than a warm soup to comfort you on a chilly day.","pubDate":{"date":"2021-11-12 18:52:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2209,"title":"5 Tips to Write a Useful and Working Saving Plan Introduction","link":"https:\/\/blog.ruoff.com\/5-tips-to-write-a-useful-and-working-saving-plan-introduction","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/5-Tips-to-Write-a-Useful-and-Working-Saving-Plan.jpg","description":"If it\u2019s hard for you to keep track of your spending and you fail to follow your budget each time, then making a\u00a0saving plan\u00a0will be a great start for controlling your expenditures.","pubDate":{"date":"2021-11-11 16:52:19.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2210,"title":"How Does an FHA Loan Work?","link":"https:\/\/blog.ruoff.com\/how-does-an-fha-loan-work","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Does-an-FHA-Loan-Work.jpg","description":"Thinking about buying a home soon? There\u2019s more to home loans than meets the eye. There are different types of mortgages with different terms and requirements. ","pubDate":{"date":"2021-11-10 16:43:17.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2211,"title":"How to Hygge Your Home","link":"https:\/\/blog.ruoff.com\/how-to-hygge-your-home","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/GettyImages-1287502200.jpg","description":"Creating hygge in your home is using calming design ideas that translate into a feeling of peaceful coziness\u2014the concept roots from the Scandinavian way of life that is calm and serene.","pubDate":{"date":"2021-11-29 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2212,"title":"Thanksgiving Favorites: Side Dish Edition","link":"https:\/\/blog.ruoff.com\/thanksgiving-favorites-side-dish-edition","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Thanksgiving-Side-Dish-Favorites-1.jpg","description":"November is upon us. The leaves have turned. The air is crisp and cool. Thanksgiving is so close you can nearly smell that turkey roasting \u2013 but, honestly, who really cares about turkey?","pubDate":{"date":"2021-11-22 20:08:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2213,"title":"Are First Time Home Buyer Programs Worth It?","link":"https:\/\/blog.ruoff.com\/are-first-time-home-buyer-programs-worth-it","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Are-First-Time-Home-Buyer-Programs-Worth-It-1.jpg","description":"Congratulations on taking steps toward homeownership! If you\u2019re just getting started with your search, you might be wondering about first-time homebuyer programs. Are these paths to homeownership for you?","pubDate":{"date":"2021-11-19 19:59:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2214,"title":"What Credit Score Do I Need to Buy a House?","link":"https:\/\/blog.ruoff.com\/what-credit-score-do-i-need-to-buy-a-house","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-Credit-Score-do-I-Need-to-Buy-a-House-1.jpg","description":"A credit score is a number based on a person\u2019s credit history that indicates his creditworthiness and is used by lenders to determine if a borrower is likely to pay them back.","pubDate":{"date":"2021-11-17 19:18:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2215,"title":"Can I Refinance My Mortgage Without Closing Costs?","link":"https:\/\/blog.ruoff.com\/can-i-refinance-my-mortgage-without-closing-costs","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Can-I-Refinance-My-Mortgage-Without-Closing-Costs.jpg","description":"Can you refinance without paying the closing costs out of pocket? Maybe. It depends on how much equity 
624you\u2019ve built and which loan programs your loan officer can offer. ","pubDate":{"date":"2021-11-15 18:54:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2216,"title":"Tips for Buying a Home When You're Single With No Children","link":"https:\/\/blog.ruoff.com\/tips-for-buying-a-home-when-youre-single-with-no-children","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Tips-for-Buying-a-Home-when-Youre-Single-1.jpg","description":"There\u2019s a misconception out there that buying a home as a single adult with no children is out of reach, impractical, or otherwise unacceptable. But there is no reason you should be excluded from the housing market. ","pubDate":{"date":"2021-12-22 20:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2217,"title":"DIY Gifts for the Whole Family","link":"https:\/\/blog.ruoff.com\/diy-gifts-for-the-whole-family","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/diy-gifts-for-the-whole-family.jpg","description":"Burnt out on holiday shopping but still have presents to buy? Join the club. By the third week of December most of us have had enough of the lists and the lines. ","pubDate":{"date":"2021-12-22 19:25:52.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2218,"title":"Family Traditions to Warm Your Heart","link":"https:\/\/blog.ruoff.com\/family-traditions-to-warm-your-heart","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Family-Holiday-Traditions.jpg","description":"What comes to mind when you hear the phrase \u201choliday traditions\u201d? The answer of course will vary according to your personal experience.","pubDate":{"date":"2021-12-21 12:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2219,"title":"Pinterest-Worthy Porch Decorating for the Holidays","link":"https:\/\/blog.ruoff.com\/pinterest-worthy-porch-decorating-for-the-holidays","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Porch-Decorating-for-Winter.jpg","description":"When it comes to holiday porch decorating, your creativity is truly the only limit. That said, if you\u2019re open for the challenge of transforming your porch into a winter wonderland, look no further than these ideas:","pubDate":{"date":"2021-12-17 17:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2220,"title":"Renting Rooms in Your Home","link":"https:\/\/blog.ruoff.com\/renting-rooms-in-your-home","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Renting-Rooms-in-Your-Home.jpg","description":"As home values increase, housing becomes less affordable to those just entering the market. If your taste ranks higher than your budget, you may benefit from renting out part of your primary residence. ","pubDate":{"date":"2021-12-27 13:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2221,"title":"Tricks for Bedtime Routines","link":"https:\/\/blog.ruoff.com\/tricks-for-bedtime-routines","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/tricks-for-bedtime-routines.jpg","description":"Bedtime with children is not for the faint of heart. Even the most experienced parents grow tired of the never-ending barrage of stall tactics and tantrums.","pubDate":{"date":"2022-01-14 20:13:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2222,"title":"How Long is Mortgage Processing?","link":"https:\/\/blog.ruoff.com\/how-long-is-mortgage-processing","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/how-long-is-mortgage-processing.jpg","description":"The wait between submitting your mortgage application and getting a response can seem like forever. You\u2019ve submitted all your documents and did your part, but now you have to wait for the lender\u2019s decision. In this article, we\u2019ll explore the mortgage process and why it can take so long.","pubDate":{"date":"2022-01-16 20:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2223,"title":"Cash-Out Refinance vs. Home Equity Loan","link":"https:\/\/blog.ruoff.com\/cash-out-refinance-vs.-home-equity-loan","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/cash-out-vs-heloc.jpg","description":"Home equity has soared over the past year. According to the National Association of Realtors, the median home price in America increased 16% between the third quarter of 2020 and the third quarter of 2021.","pubDate":{"date":"2022-01-24 21:04:48.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2224,"title":"What Homeowners Need to Know About Smart Technology","link":"https:\/\/blog.ruoff.com\/what-homeowners-need-to-know-about-smart-technology","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-Homeowners-Need-to-Know-About-Smart-Technology.jpg","description":"Smart technology is becoming more popular all the time. It was estimated that 37% of U.S. households had at least one smart device in 2020. Now that people are spending more time at home because of the pandemic \u2013\u00a0including working remotely \u2013\u00a0smart technology is likely to continue its growth trend.","pubDate":{"date":"2022-01-25 03:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2225,"title":"5 Tips for Cohesive Home Design","link":"https:\/\/blog.ruoff.com\/5-tips-for-cohesive-home-design","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Affordable-Interior-Design-Tips-for-Your-First-Home.jpg","description":"People are often complex, with endless layers of like
624s, dislikes, and opinions. When it comes to designing your home, how do you combine all the components you love in a way that is both charming and cohesive?","pubDate":{"date":"2022-01-26 15:34:24.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2226,"title":"Personal Finance Apps: Your Key to Financial Health","link":"https:\/\/blog.ruoff.com\/personal-finance-apps-your-key-to-financial-health","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Personal-Finance-Apps-Your-Key-to-Financial-Health.jpg","description":"Managing money can be a tricky one. There's money coming in, (lots of) money going out, bills to pay, goals to achieve, and futures to think about. ","pubDate":{"date":"2022-02-02 21:35:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2227,"title":"Improve Your Credit All Year","link":"https:\/\/blog.ruoff.com\/improve-your-credit-all-year","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Improve-Your-Credit-All-Year.jpg","description":"Your credit score is one of the most important aspects of your financial life, because it impacts nearly every financial move you make. Need a credit card? A car? A mortgage?","pubDate":{"date":"2022-01-24 21:49:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2228,"title":"VA: Loan Explained","link":"https:\/\/blog.ruoff.com\/va-loan-explained","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/va-loan-explained.jpg","description":"Serving our country is a great sacrifice and one that our government doesn\u2019t take lightly. That\u2019s why there are several programs for active-duty service members, veterans and eligible surviving spouses are designed to give them benefits.","pubDate":{"date":"2022-01-31 22:32:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2229,"title":"Do First Time Homebuyers Need a Down Payment?","link":"https:\/\/blog.ruoff.com\/do-first-time-homebuyers-need-a-down-payment-1","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Do-First-Time-Buyers-Need-a-Down-Payment.jpg","description":"Are you ready for the joy and financial stability of homeownership? The financial benefits of owning versus renting are great, but they do come with heightened responsibility. ","pubDate":{"date":"2022-01-30 22:39:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2230,"title":"8 Outdoor Activities for a Snow Day","link":"https:\/\/blog.ruoff.com\/8-outdoor-activities-for-a-snow-day","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/outdoor-activities-for-a-snow-day.jpg","description":"The temperatures are dropping and snow has begun to fall, urging many of us indoors to brave the long winter months from the comfort of our homes.","pubDate":{"date":"2022-01-27 22:20:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2231,"title":"When Should I Buy a House?","link":"https:\/\/blog.ruoff.com\/when-should-i-buy-a-house","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/When-Should-I-Buy-a-House.jpg","description":"Buying a house for the first time is as exciting as it is nerve-wracking. Knowing what to buy and when are two of the more stressful life decisions as it can be hard to decipher what time is the right time.","pubDate":{"date":"2022-01-26 22:01:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2232,"title":"How To Prepare for An Appraisal","link":"https:\/\/blog.ruoff.com\/how-to-prepare-for-an-appraisal","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-To-Prepare-for-An-Appraisal.jpg","description":"If you\u2019re selling or refinancing your home, your lender probably conditioned for an appraisal. This helps the underwriter determine whether the collateral (the house) has enough value to support the loan amount being offered.","pubDate":{"date":"2022-02-11 20:45:04.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2233,"title":"Renovation Refinance: Loan Explained","link":"https:\/\/blog.ruoff.com\/renovation-refinance-loan-explained","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Renovation-Refinance-Loan-Explained.jpg","description":"Does your home need some TLC? Maybe it\u2019s time to add a new master suite or upgrade the kitchen? If these or any other construction projects are on your list this year, it might be time for a renovation refinance loan. ","pubDate":{"date":"2022-02-04 18:43:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2234,"title":"How to Fix a Fixer-Upper On a Budget","link":"https:\/\/blog.ruoff.com\/how-to-fix-a-fixer-upper-on-a-budget","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-to-Fix-a-Fixer-Upper-On-a-Budget.jpg","description":"In today\u2019s real estate market, buyers may have a tough time finding the perfect home. Smart buyers know how to be flexible! ","pubDate":{"date":"2022-02-03 18:27:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2235,"title":"What Should a First-Time Homebuyer Know?","link":"https:\/\/blog.ruoff.com\/what-should-a-first-time-homebuyer-know","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-Should-a-First-Time-Homebuyer-Know.jpg","description":"The housing market is a big landscape of twists and turns. From showings to offers to financing, there will be plenty of decisions to navigate.","pubDate":{"date":"2022-02-15 12:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2236,"title":"When is Refinancing a Bad Idea?","link":"https:\/\/blog.ruoff.com\/when-is-refinancing-a-bad-idea","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/When-is-Refinancing-a-Bad-Idea.jpg","description":"With interest rates changing over time, refinancing your mortgage may be something you consider at some point. ","pubDate":{"date":"2022-02-16 12:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2237,"title":"How to Update an Older Home","link":"https:\/\/blog.ruoff.com\/how-to-update-an-older
624-home","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How%20to%20Update%20an%20Older%20Home.png","description":"Investing in an older property can be a smart choice as a homeowner. Older homes can have a great deal of character reflective of the period they were built in, and they have a tendency to be lower in price, which provides investment opportunities and gives you more for your money.","pubDate":{"date":"2022-02-28 20:08:04.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2238,"title":"Can I Use my VA Disability to Buy a Home?","link":"https:\/\/blog.ruoff.com\/can-i-use-my-va-disability-to-buy-a-home","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Can-I-Use-My-VA-Disability-to-Buy-A-House.jpg","description":"If you are a Veteran of the United States Armed forces, thank you for your service. If you currently receive income due to a service-related disability, you may be wondering whether said income can be used to buy a house. ","pubDate":{"date":"2022-03-01 19:59:20.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2239,"title":"Do You Pay on a Construction Loan While Building?","link":"https:\/\/blog.ruoff.com\/do-you-pay-on-a-construction-loan-while-building","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Do-you-pay-on-a-construction-loan-while-building.jpg","description":"Are you in the market for a new home? With the scarcity of inventory in today\u2019s real estate market, many buyers are choosing new construction. If this is your first-time building, you may be wondering how a construction loan works.","pubDate":{"date":"2022-03-03 19:10:30.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2240,"title":"How Much Money Should You Have Before You Buy a House?","link":"https:\/\/blog.ruoff.com\/how-much-money-should-you-have-before-you-buy-a-house","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Much-Money-Should-You-Have-Before-You-Buy-a-House.jpg","description":"Saving for a down payment can be challenging, and many homeowners say it\u2019s the hardest part of the home-buying process. When buying a house with a mortgage, you'll need to plan to pay for the down payment and closing costs, but how can you be sure that you've saved enough?","pubDate":{"date":"2022-03-07 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2241,"title":"Why Your Mortgage Could Get Declined","link":"https:\/\/blog.ruoff.com\/why-your-mortgage-could-be-declined","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/why-your-mortgage-could-get-declined.jpg","description":"Congrats! You've found a home that fits all your criteria and you've applied for a mortgage\u2014only to have your hopes quashed when you learn your application has been denied. Such news can feel defeating, but it\u2019s not a reason to lose hope, especially as a first-time homebuyer.\u00a0","pubDate":{"date":"2022-03-10 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2243,"title":"Is an FHA Loan Only for First-Time Buyers?","link":"https:\/\/blog.ruoff.com\/is-an-fha-loan-only-for-first-time-buyers","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Is-FHA-Loan-Only-for-First-Time-Buyers.jpg","description":"You might have heard about FHA loans as a first-time homebuyer, but this isn\u2019t the only demographic who can benefit from this mortgage type. Here\u2019s a look at this loan and the most salient features so you can decide if it\u2019s a financing option now or later. ","pubDate":{"date":"2022-03-11 14:51:34.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2245,"title":"How Soon Should I Get Pre-Approved for a Mortgage?","link":"https:\/\/blog.ruoff.com\/how-soon-should-i-get-pre-approved-for-a-mortgage","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/how-soon-should-i-get-preapproved.jpg","description":"Are you buying a house? If so, congratulations! This is an exciting time for you, your family, and your future. Before you start looking, it is important to get pre-approved for a mortgage. The pre-approval process is simple and will set you on the right course to homeownership.","pubDate":{"date":"2022-03-16 16:23:54.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2246,"title":"How Can I Buy a House without a Deposit?","link":"https:\/\/blog.ruoff.com\/how-can-i-buy-a-house-without-a-deposit","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Can-I-Buy-a-House-with-No-Deposit.jpg","description":"Whether you\u2019re paying rent, paying off student loans, or just living your life, it is hard to save enough money to make a down payment when you have necessary living expenses every month. \u00a0","pubDate":{"date":"2022-03-22 01:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2247,"title":"Can I Get a Cash-Out Refinance to Pay Off Debt?","link":"https:\/\/blog.ruoff.com\/can-i-get-a-cash-out-refinance-to-pay-off-debt","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/cash-out-refi-to-pay-debt.jpg","description":"Is debt holding you back from achieving your financial goals? You\u2019re not alone. Many Americans struggle with saving for the future while meeting their current obligations. There are a few options out there to rein in debt, but some are more ideal than others. ","pubDate":{"date":"2022-03-25 01:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2248,"title":"Will My Credit Score Go Up After Buying a House?","link":"https:\/\/blog.ruoff.com\/will-my-credit-score-go-up-after-buying-a-house","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/does-my-credit-score-go-up-after-buying.jpg","description":"If you\u2019re in the market for a house, you may be wondering how a large purchase (and mortgage) could affect your credit score. Will buying a house increase your credit because of the financial responsibility involved, or will the new debt result in a decrease?\u00a0","pubDate":{"date":"2022-03-28 01:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2249,"title":"How Long Does a Full Mortgage Application Take?","link":"https:\/\/blog.ruoff.com\/how-long-does-a-full-mortgage-application-take","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/how-long-does-a-mortgage-application-take.png","description":"You\u2019ve spent hours browsing listings, going on open houses, and researching the types of mortgages products available to you. But before your dream becomes reality, there\u2019s a lot of paperwork and due diligence on your part.","pubDate":{"date":"2022-04-01 00:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2250,"title":"What are the Benefits of Choosing a Mortgage Lender?","link":"https:\/\/blog.ruoff.com\/what-are-the-benefits-of-choosing-a-mortgage-lender","to
624pic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Benefits%20of%20choosing%20a%20mortgage%20lender.png","description":"Before you start shopping for a mortgage lender, it helps to know the basics of the industry. All lenders are not created the same. While your bank might be the right choice for a checking account or auto loan, there are companies that specialize in home loans, and for good reason. ","pubDate":{"date":"2022-04-04 00:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2252,"title":"Pros and Cons of Paying Off Your Mortgage Early","link":"https:\/\/blog.ruoff.com\/pros-and-cons-of-paying-off-your-mortgage-early","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/pros-and-cons-of-paying-off-mortgage-early.jpg","description":"Should you pay off your mortgage early? The answer is different for everyone and depends on your unique financial circumstances. This blog lists some of the reasons that an early payoff might benefit you, followed by a few reasons it could make sense to stick to the original payment plan.","pubDate":{"date":"2022-04-06 00:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2254,"title":"Common Tax Deductions for Homeowners","link":"https:\/\/blog.ruoff.com\/common-tax-deductions-for-homeowners","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/common-tax-deductions-for-homeowners.jpg","description":"It\u2019s that time of year again\u2026 TAX SEASON! Let\u2019s be honest, no one likes doing taxes except accountants. We all want to keep as much of our money as possible. The good news is if you\u2019re a new homeowner, you may be entitled to an extra tax break just for owning your home. ","pubDate":{"date":"2022-04-08 00:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2255,"title":"Creating Outdoor Storage","link":"https:\/\/blog.ruoff.com\/creating-outdoor-storage","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Creating-Outdoor-Storage.jpg","description":"From bicycles to lawn supplies to seasonal d\u00e9cor, finding a permanent place for all of the items in your home can be a tricky task. Not everyone is fortunate enough to have a garage or dedicated storage room to hide those things that don\u2019t require daily use. So, what\u2019s a homeowner to do when they find themselves short on space? You might just need to take a look outside.","pubDate":{"date":"2022-04-11 00:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2256,"title":"Can You Make an Offer Without a Pre-Approval?","link":"https:\/\/blog.ruoff.com\/can-you-make-an-offer-without-a-pre-approval","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/can-you-make-an-offer-without-a-preapproval.jpg","description":"As you may know, submitting a mortgage pre-approval letter along with your bid on a home may give you the upper hand in a competitive market, yet rest assured you don't have to have a pre-approval letter per se to make a purchase offer.","pubDate":{"date":"2022-04-13 00:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2257,"title":"Internet Safety with an Online Mortgage","link":"https:\/\/blog.ruoff.com\/internet-safety-with-an-online-mortgage","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/intetnet-safety-and-online-mortgage.jpg","description":"For many people, getting a mortgage is the only way buying a home is within reach. Today, there\u2019s no shortage of banks and lenders where you can apply. At the same time, it\u2019s common for these institutions to use online platforms that make it easy to apply for a mortgage from the comfort of your home. ","pubDate":{"date":"2022-04-20 00:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2258,"title":"How Many Times Should You See a House Before You Buy?","link":"https:\/\/blog.ruoff.com\/how-many-times-should-you-see-a-house-before-you-buy","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/how-many-times-should-you-see-a-house.jpg","description":"Some potential buyers walk into a house and know right away that it\u2019s their future home, while some need some time to think about it. Either way, buying a home is a major decision, and it\u2019s one you\u2019ll want to be sure about. \u00a0","pubDate":{"date":"2022-04-22 00:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2259,"title":"Ways to Deal with Rising Interest Rates and Housing Costs","link":"https:\/\/blog.ruoff.com\/ways-to-deal-with-rising-interest-rates-and-housing-costs","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Ways-to-Deal-with-Rising-Interest-Rates-and-Housing-Costs.jpg","description":"Are you in the market for a new house but are worried about the sharply rising interest rates and expensive homes? You're not alone.\u00a0","pubDate":{"date":"2022-04-27 19:53:50.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2260,"title":"Beautifying Your Front Yard for an Open House","link":"https:\/\/blog.ruoff.com\/beautifying-your-front-yard-for-an-open-house","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Beautifying-Your-Front-Yard-for-an-Open-House.jpg","description":"The importance of a first impression can\u2019t be overstated. That very first glance at a house can bring about a strong emotional response in potential buyers, so let\u2019s make sure it\u2019s a positive one. For homeowners hoping to sell, it is essential to create top-notch curb appeal to encourage buyers to move from that first impression to that first step inside.","pubDate":{"date":"2022-04-27 00:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2261,"title":"Can a Loan Fall Through After Closing?","link":"https:\/\/blog.ruoff.com\/can-a-loan-fall-through-after-closing","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Can-a-Loan-Fall-Through-After-Closing.jpg","description":"So you made an offer on a home, it was accepted, and now, you\u2019re ready to close. What could go wrong?","pubDate":{"date":"2022-05-02 20:32:52.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2262,"title":"Are You Being Squeezed Out of the Market?","link":"https:\/\/blog.ruoff.com\/are-you
624-being-squeezed-out-of-the-market","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Are-You-Being-Squeezed-Out-of-the-Market.jpg","description":"Inventory is low. Housing demand is high. It's a textbook example of a seller's market. But, when you add rising interest rates and home prices, many potential buyers are being squeezed out of the market. ","pubDate":{"date":"2022-05-05 15:45:07.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2263,"title":"Prioritizing Outdoor Spaces In Your New Home","link":"https:\/\/blog.ruoff.com\/prioritizing-outdoor-spaces-in-your-new-home","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Prioritizing-Outdoor-Spaces-In-Your-New-Home.jpg","description":"Moving into a new home is life-changing \u2014 particularly if you\u2019ve just moved into a new home with an outdoor area.","pubDate":{"date":"2022-05-07 09:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2264,"title":"What Is an Emergency Fund and Why Do You Need One?","link":"https:\/\/blog.ruoff.com\/what-is-an-emergency-fund-and-why-do-you-need-one","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-Is-an-Emergency-Fund-and-Why-Do-You-Need-One-1.jpg","description":"The importance of an emergency fund cannot be overstated, especially for homeowners. Financial emergencies typically arise with little to no warning. Job loss, sudden illness, and large surprise expenditures can throw bank accounts for a loop. Even minor unplanned expenses may wreak havoc on those with limited savings, putting assets like cars or houses in potential jeopardy. So, how can homeowners protect themselves from losing it all should the unforeseen strike? Simple: build an emergency fund.","pubDate":{"date":"2022-05-12 15:32:36.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2265,"title":"Do Loan Officers and Underwriters Work Together?","link":"https:\/\/blog.ruoff.com\/do-loan-officers-and-underwriters-work-together","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Do-Loan-Officers-and-Underwriters-Work-Together.jpg","description":"Yes, loan officers and underwriters do work together, but with intentional boundaries in place. Both of these roles are essential to the mortgage industry and communication between them is necessary for a smooth loan transaction.","pubDate":{"date":"2022-05-13 17:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2266,"title":"How Do I Know What House to Buy?","link":"https:\/\/blog.ruoff.com\/how-do-i-know-what-house-to-buy","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Do-I-Know-What-House-to-Buy.jpg","description":"So, you want to buy a house? Great! Now what? If you have already worked through the process of determining when to buy, it\u2019s time to take a look at what to buy.","pubDate":{"date":"2022-05-17 15:55:54.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2267,"title":"How to Find Extra Space in Your Home","link":"https:\/\/blog.ruoff.com\/how-to-find-extra-space-in-your-home","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-to-Find-Extra-Space-in-Your-Home.jpg","description":"Spring cleaning season is upon us, so as you\u2019re working to declutter those nooks and crannies, why not spend a little extra time reorganizing?","pubDate":{"date":"2022-05-19 19:52:53.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2268,"title":"Why You Should Never Skip a Home Inspection","link":"https:\/\/blog.ruoff.com\/why-you-should-never-skip-a-home-inspection","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Why-You-Should-Never-Skip-a-Home-Inspection.jpg","description":"There\u2019s nothing worse than finding what you think is your dream home only to find out it\u2019s a nightmare because you didn\u2019t do your due diligence. A home inspection protects the buyer\u2019s interest and is highly recommended before pulling the trigger on a purchase. Let\u2019s dive into why and how a home inspection is an industry-standard practice. ","pubDate":{"date":"2022-05-19 15:42:29.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2269,"title":"What Should I Do Before I Talk to a Lender?","link":"https:\/\/blog.ruoff.com\/draft-what-should-i-do-before-i-talk-to-a-lender","to
624pic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-Should-I-Do-Before-I-Talk-to-a-Lender.jpg","description":"Applying for a mortgage can be a bit scary, especially if you\u2019re not familiar with the process. Besides, who wouldn\u2019t be nervous dealing with that much money? But educating and preparing yourself takes some of the fear away.","pubDate":{"date":"2022-05-23 13:17:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2270,"title":"How Quickly Can a Mortgage Be Approved?","link":"https:\/\/blog.ruoff.com\/how-quickly-can-a-mortgage-be-approved","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Quickly-Can-a-Mortgage-Be-Approved.jpg","description":"Today\u2019s real estate market moves fast. Time is of the essence if you want a chance at getting your offer accepted.","pubDate":{"date":"2022-05-25 13:19:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2271,"title":"What Does Buying a Home \u201cAs-is\u201d Mean?","link":"https:\/\/blog.ruoff.com\/what-does-buying-a-home-as-is-mean","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-Does-Buying-a-Home-%E2%80%9CAs-is%E2%80%9D-Mean.jpg","description":"In a competitive real estate market, you might be tempted to buy a house \u201cas-is.\u201d But is it a good idea and what does it mean? Here's what you should know about this real estate term. \u00a0","pubDate":{"date":"2022-05-26 13:19:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2272,"title":"5 Tips for Staging an Open House","link":"https:\/\/blog.ruoff.com\/5-tips-for-staging-an-open-house","topic":"Home Selling","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/5-Tips-for-Staging-an-Open-House.jpg","description":"Preparing for an open house can feel like a mountain of a task, but with some work and a little know-how, that upcoming event becomes far less foreboding.\u00a0","pubDate":{"date":"2022-05-30 16:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2273,"title":"How Much Does It Cost to Sell a House?","link":"https:\/\/blog.ruoff.com\/how-much-does-it-cost-to-sell-a-house","topic":"Home Selling","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Much-Does-It-Cost-to-Sell-a-House.jpg","description":"Planning to list your home while the market is still hot? Sellers may have a considerable advantage in today\u2019s robust real estate market, but that doesn\u2019t mean that transactions come without a cost. Some expenses are negotiable, but sellers should expect to budget for some fees.","pubDate":{"date":"2022-06-01 12:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2274,"title":"Create a Home That Prioritizes Mental Health","link":"https:\/\/blog.ruoff.com\/create-a-home-that-prioritizes-mental-health","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Create-a-Home-That-Prioritizes-Mental-Health.jpg","description":"Within the last few months, many of us have been focused on how we can be a better version of ourselves. ","pubDate":{"date":"2022-06-02 14:24:38.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2275,"title":"How Long Should You Keep an Investment Property?","link":"https:\/\/blog.ruoff.com\/how-long-should-you-keep-an-investment-property","topic":"Home Selling","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Long-Should-You-Keep-an-Investment-Property.jpg","description":"Financial planning is a complicated task. If you are considering whether to purchase, hold, and\/or sell an investment property, it is recommended that you discuss your plan with your financial advisor and accountant before moving forward.","pubDate":{"date":"2022-06-03 14:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2276,"title":"How Do I Get a Conventional Loan?","link":"https:\/\/blog.ruoff.com\/how-do-i-get-a-conventional-loan","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/how-do-i-get-a-conventional-loan.jpg","description":"When shopping around for a mortgage, you\u2019ll likely encounter many terms related to types of loans. For instance, conventional loans are one of the most popular types of mortgages \u2014 nearly all lenders offer them.","pubDate":{"date":"2022-06-04 11:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2277,"title":"How to Remodel Your Home with No Money","link":"https:\/\/blog.ruoff.com\/how-to-remodel-your-home-with-no-money","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-to-Remodel-Your-Home-with-No-Money.jpg","description":"Whether you are in the market to sell or just sick of the same old, same old, a home remodel might be just what you need to freshen up that aging house \u2013 and you don\u2019t even have to have a huge budget to make it happen.","pubDate":{"date":"2022-06-06 13:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2278,"title":"10 Things That Make Your House Look Messy During an Appraisal","link":"https:\/\/blog.ruoff.com\/10-things-that-make-your-house-look-messy-during-an-appraisal","to
624pic":"Home Selling","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/10-Things-That-Make-Your-House-Look-Messy-During-an-Appraisal.jpg","description":"It\u2019s hard to keep a tidy house all of the time, but if you are closing in on an appraisal date or showings, get ready to clean up your act (at least until the onlookers have left).","pubDate":{"date":"2022-06-08 16:48:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2279,"title":"Eco-Friendly Updates That Can Boost Your Home's Market Value","link":"https:\/\/blog.ruoff.com\/eco-friendly-updates-that-can-boost-your-homes-market-value","topic":"Home Selling","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-To-Celebrate-Arbor-Day-This-Year.jpg","description":"Today\u2019s homeowners may be looking for that extra edge to get ahead of the market and sell their houses for the highest amount possible. ","pubDate":{"date":"2022-06-09 19:41:46.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2280,"title":"Clean Your House & Reduce Overwhelm","link":"https:\/\/blog.ruoff.com\/clean-your-house-reduce-overwhelm","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/overwhelm-and-clean.jpg","description":"We all had big dreams for the start of 2022, but the truth is that it\u2019s hard to keep track of new goals when we can\u2019t even keep track of the piece of paper they were written upon, so let\u2019s do ourselves (and our dreams) a favor.","pubDate":{"date":"2022-06-10 14:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2281,"title":"How Can I Get Money for a Down Payment?","link":"https:\/\/blog.ruoff.com\/how-can-i-get-money-for-a-down-payment","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Can-I-Get-Money-for-a-Down-Payment.jpg","description":"Many homeowners will say that saving up for the down payment is the hardest part of the home-buying process. To avoid paying Private Mortgage Insurance (PMI), buyers will need to pay a down payment of at least 20%.\u00a0","pubDate":{"date":"2022-06-13 10:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2282,"title":"How Can I Raise My Credit Score in a Month?","link":"https:\/\/blog.ruoff.com\/how-can-i-raise-my-credit-score-in-a-month","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/how-to-raise-credit-score.jpg","description":"Put simply, your credit score can open up doors or create roadblocks. So, what do you if you\u2019re on a tight timeline and need to raise your score?  ","pubDate":{"date":"2022-06-14 15:27:25.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2283,"title":"Ways to Upgrade Your Home on a Budget","link":"https:\/\/blog.ruoff.com\/ways-to-upgrade-your-home-on-a-budget","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Ways-to-Upgrade-Your-Home-on-a-Budget.jpg","description":"After spending the last two years so close to home, who isn\u2019t ready for an upgrade?","pubDate":{"date":"2022-06-15 12:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2284,"title":"3 Must-Take Daytrips for Music Lovers","link":"https:\/\/blog.ruoff.com\/3-must-take-daytrips-for-music-lovers","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/roadtrip-blog.jpg","description":"Hit the road this summer and check out three cities with a whole lot of summer fun to offer: Indianapolis (Indiana), Bristow (Virginia), and Raleigh (North Carolina). The perfect day trips for music fans,\u00a0 each of these locations offer a world-class live music experience to rock al fresco all summer long.","pubDate":{"date":"2022-06-16 17:24:48.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2285,"title":"Outdoor Summer Concert Essentials","link":"https:\/\/blog.ruoff.com\/outdoor-summer-concert-essentials","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Outdoor-Summer-Concert-Essentials.jpg","description":"We love a good outdoor concert here at Ruoff. (Hello, summer bucket list!) Then again, we\u2019re biased, as our name is on the largest amphitheater in the Indianapolis area.","pubDate":{"date":"2022-06-17 21:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2286,"title":"Benefits of a VA Loan","link":"https:\/\/blog.ruoff.com\/benefits-of-a-va-loan","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/GettyImages-1322332160-1.jpeg","description":"Are you among the roughly 18 million Americans, or about 7 percent of the adult population who are veterans? The government acknowledges this selfless act which is why there are several programs for active-duty service members, veterans and eligible surviving spouses are designed to give them benef
624its. ","pubDate":{"date":"2022-06-20 09:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2287,"title":"10 Must-Have Tools for Your DIY Dreams","link":"https:\/\/blog.ruoff.com\/10-must-have-tools-for-your-diy-dreams","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/tool%20blog.png","description":"Ready to tackle your dream DIY projects? Start every job strong with a toolkit that\u2019s tailored to your creative vision(s). When you invest in a few staple tools up front, you\u2019ll be able to breeze through your jobs with ease.","pubDate":{"date":"2022-06-21 10:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2288,"title":"Should You Take Equity Out of Your Home?","link":"https:\/\/blog.ruoff.com\/should-you-take-equity-out-of-your-home","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Should-You-Take-Equity-Out-of-Your-Home.jpg","description":"With the unexpected nature of life, there may come a time when you find you need some extra cash but simply don\u2019t have it lying around. Using your home\u2019s equity is convenient, valid option homeowners can exercise to access needed cash.","pubDate":{"date":"2022-06-22 10:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2289,"title":"How to Budget for a House While You're Still Renting","link":"https:\/\/blog.ruoff.com\/how-to-budget-for-a-house-while-youre-still-renting","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-to-Budget-for-a-House-While-Youre-Still-Renting.jpg","description":"The housing market is challenging these days, especially for first-time homebuyers. Real estate prices are high, but so is rent. How can you save for a house while still renting? Is it even possible?\u00a0","pubDate":{"date":"2022-06-28 16:57:21.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2290,"title":"Do FHA Loans Have Closing Costs?","link":"https:\/\/blog.ruoff.com\/do-fha-loans-have-closing-costs","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Do-FHA-Loans-Have-Closing-Costs.jpg","description":"For first-time homebuyers or buyers with low-to-moderate income or credit, an FHA loan is an excellent option.\u00a0","pubDate":{"date":"2022-06-29 19:05:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2291,"title":"Do You Need an Appraisal for a Refinance?","link":"https:\/\/blog.ruoff.com\/do-you-need-an-appraisal-for-a-refinance","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Do-You-Need-an-Appraisal-for-a-Refinance.jpg","description":"If you buy a home, there may come a time when you want to refinance. And refinancing without an appraisal can save you time and money. ","pubDate":{"date":"2022-07-11 19:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2292,"title":"Is It Worth It to Refinance?","link":"https:\/\/blog.ruoff.com\/is-it-worth-it-to-refinance","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Is-it-Worth-it-to-Refinance.jpg","description":"If you have a mortgage, you will likely consider refinancing at some point, especially when you think of your home as an investment\/asset and not just a house. But how do you know if it\u2019s the right move or if you should leave your original loan untouched?","pubDate":{"date":"2022-07-08 13:49:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2293,"title":"Can Underwriters Make Exceptions?","link":"https:\/\/blog.ruoff.com\/can-underwriters-make-exceptions","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Can-Underwriters-Make-Exceptions.jpg","description":"Homeownership is a beautiful thing, but the path to getting there is not always a smooth one. Finding, negotiating, and financing the purchase of real estate is complicated and there will be some \u201cbumps in the road.\u201d\u00a0 \u00a0","pubDate":{"date":"2022-07-06 13:43:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2294,"title":"What is Considered a Good Credit Score for a Mortgage?","link":"https:\/\/blog.ruoff.com\/what-is-considered-a-good-credit-score-for-a-mortgage","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-is-Considered-a-Good-Credit-Score.jpg","description":"A three-digit number can make a big difference in your financial future. Yes, your credit score can determine whether buying a house is within reach. That\u2019s because lenders look at it as a window into your financial health and habits.\u00a0","pubDate":{"date":"2022-07-04 13:31:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2295,"title":"How Do I Qualify for a First Time Homebuyer Grant?","link":"https:\/\/blog.ruoff.com\/how-do-i-qualify-for-a-first-time-homebuyer-grant","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-Do-I-
624Qualify-for-First-Time-Home-Buyer-Grant.jpg","description":"If you\u2019re looking to buy your first home but need a little financial help, you have options! Many people think owning a home is a pipe dream because they can\u2019t afford the down payment or closing costs.\u00a0","pubDate":{"date":"2022-07-01 13:19:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2296,"title":"Is an FHA Loan Right for You?","link":"https:\/\/blog.ruoff.com\/is-an-fha-loan-right-for-you","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Is-an-FHA-Loan-Right-for-You.jpg","description":"Homebuying is sure exciting, but it also comes with its share of education. Is it the right time to buy? What do all the terms mean and what do they mean for your situation? Have no fear\u2014 we\u2019re here to break it down into plain English so you can explore your options.","pubDate":{"date":"2022-07-15 18:48:37.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2297,"title":"Can I Refinance My Mortgage with No Closing Costs?","link":"https:\/\/blog.ruoff.com\/can-i-refinance-my-mortgage-with-no-closing-costs","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Can-I-Refinance-My-Mortgage-with-No-Closing-Costs.jpg","description":"When you consider applying for a mortgage, closing costs are among the fees that enter into the equation. However, you might be less familiar with the specifics of a refinance.","pubDate":{"date":"2022-07-13 18:37:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2298,"title":"9 Questions for Choosing the Best Home Builder","link":"https:\/\/blog.ruoff.com\/how-to-choose-the-best-builder","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-to-Choose-the-Best-Builder.jpg","description":"There are many reasons people decide to build a home instead of buying an existing one. If you fall in this camp, you\u2019ve probably been thinking about your dream home for quite a while.\u00a0","pubDate":{"date":"2022-08-01 15:50:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2299,"title":"What If I'm a First-Time Homebuyer but My Partner Isn't?","link":"https:\/\/blog.ruoff.com\/what-if-im-a-first-time-homebuyer-but-my-partner-isnt","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-If-Im-a-First-Time-Homebuyer-but-My-Partner-Isnt.jpg","description":"Buying a home is expensive, so many buyers look for ways to cut costs and save money. One such method is to apply for first-time homebuyer grants and down payment assistance programs.\u00a0","pubDate":{"date":"2022-07-29 15:40:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2300,"title":"How to Keep Your Credit in the \u201cGood\u201d Range","link":"https:\/\/blog.ruoff.com\/how-to-keep-your-credit-in-the-good-range","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-to-Keep-Your-Credit-in-the-Good-Range.jpg","description":"Credit makes the world go round. Good credit can unlock so many opportunities, while mediocre or poor credit can be a barrier to entry.","pubDate":{"date":"2022-07-27 15:05:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2301,"title":"Worth It and Not Worth It Updates to Your Home","link":"https:\/\/blog.ruoff.com\/worth-it-and-not-worth-it-updates-to-your-home","topic":"Home Selling","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Worth-It-and-Not-Worth-It-Updates-to-Your-Home.jpg","description":"It seems like everyone has a house project in the works these days, especially those preparing to sell. Once people were faced with the view inside their own walls for days on end, homeowners started realizing those walls weren\u2019t living up to their potential.\u00a0","pubDate":{"date":"2022-07-25 15:33:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2302,"title":"Renovation Purchase: Loan Explained","link":"https:\/\/blog.ruoff.com\/renovation-purchase-loan-explained","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Renovation-Purchase-Loan-Explained.jpg","description":"Today\u2019s real estate market is like none other. Inventory is tight, homes are getting multiple offers, properties often sell above list price, and rents are climbing.\u00a0How can a would-be home buyer cope with all these challenges?\u00a0","pubDate":{"date":"2022-07-22 15:19:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2303,"title":"6 Reasons to Consider Refinancing","link":"https:\/\/blog.ruoff.com\/6-reasons-to-consider-refinancing","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/6-Reasons-to-Consider-Refinancing.jpg","description":"Rumor has it that borrowing money is about to get more expensive, so if you have been talking about refinancing your home, now might be the time to put that money where your mouth is.\u00a0","pubDate":{"date":"2022-07-20 15:12:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2304,"title":"5+ Mistakes People Make When Refinancing Their Home","link":"https:\/\/blog.ruoff.com\/mistakes-people-make-when-refinancing-their-home","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Mistakes-People-Make-When-Refinancing-Their-Home.jpg","description":"Refinancing your mortgage can be a great financial move. A homeowner might cho
624ose to refinance for multiple reasons.\u00a0","pubDate":{"date":"2022-07-18 14:58:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2305,"title":"8 Ways to Win the Bid on a House","link":"https:\/\/blog.ruoff.com\/8-best-ways-to-win-a-bid","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/8-Ways-to-Win-the-Bid-on-a-House.jpg","description":"You\u2019ve found the home of your dreams and are about to make an offer \u2014 but there\u2019s only one problem. Other people have their sights set on the property, too, and are willing to offer a pretty penny. This is when you have a bidding war on your hands.","pubDate":{"date":"2022-08-05 16:56:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2306,"title":"7 Ways to Compete with a Cash Offer","link":"https:\/\/blog.ruoff.com\/7-ways-to-compete-with-a-cash-offer","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/cash%20offer.png","description":"You\u2019ve likely heard the phrase \u201ccash is king\u201d and that certainly applies to the real estate market. Almost a third of all home purchases were made via cash offer in early 2021, according to Redfin. \u00a0","pubDate":{"date":"2022-08-10 19:13:17.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2307,"title":"Creating the Ultimate Outdoor Entertainment Space This Summer","link":"https:\/\/blog.ruoff.com\/creating-the-ultimate-outdoor-entertainment-space-this-summer","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Creating-the-Ultimate-Outdoor-Entertainment-Space-This-Summer.jpg","description":"The summer is quickly approaching, and that means that it is time for fun in the sun with your family and friends. If you are a homeowner, then this is a great opportunity to spruce up your backyard and add plenty of space to sit, party, and dance the night away.","pubDate":{"date":"2022-08-19 19:20:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2308,"title":"How the Changing Elements Affect Pests and What to Do About It","link":"https:\/\/blog.ruoff.com\/how-the-changing-elements-affect-pests-and-what-to-do-about-it","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/How-the-Changing-Elements-Affect-Pests-and-What-to-Do-About-It.jpg","description":"Protecting your home from creepy crawlies is a year-round job. Each season brings its own unique set of elements to contend with, and along with them, their specially tailored assortment of pests.\u00a0","pubDate":{"date":"2022-08-17 19:17:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2309,"title":"Top 5 Things Realtors Want Homebuyers to Know","link":"https:\/\/blog.ruoff.com\/top-5-things-realtors-want-first-time-homebuyers-to-know","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/5-Things-Realtors-Want-Homebuyers-to-Know.jpg","description":"Buying a home is an adventure. It\u2019s exciting and scary at the same time. Having a team to help you through the process is the best way to go.","pubDate":{"date":"2022-08-29 19:06:22.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2311,"title":"How To Be Ready When It\u2019s Time To Buy a House","link":"https:\/\/blog.ruoff.com\/how-to-be-ready-when-its-time-to-buy-a-house","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/neighborhood.jpg","description":"Preparing to buy a house for the first time may seem overwhelming. If you\u2019re getting ready to buy your first home, it helps to plan before you shop. The following blog will help you get things in order and start your home search in the best position possible.","pubDate":{"date":"2022-09-08 20:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2312,"title":"How Do You Get a Refinance Loan to Renovate a House?","link":"https:\/\/blog.ruoff.com\/how-do-you-get-a-refinance-loan-to-renovate-a-house","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/home-reno-blog.jpg","description":"Maybe you\u2019ve lived in your home for some time and 
624you\u2019d like to upgrade some elements. Or maybe you recently moved in and want to make some changes to enhance the space. Either way, you might be wondering how you can afford these expenses. \u00a0","pubDate":{"date":"2022-09-07 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2313,"title":"Making Your Older Home More Eco-Friendly","link":"https:\/\/blog.ruoff.com\/making-your-older-home-more-eco-friendly","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/lightbulbs.jpg","description":"\u00a0  If you\u2019re like many homeowners, you\u2019re looking for ways to increase your property\u2019s eco-friendliness and decrease utility costs. Unfortunately, older homes present more challenges in this way. \u00a0","pubDate":{"date":"2022-09-05 12:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2314,"title":"Ruoff Loyalty Refinance Program","link":"https:\/\/blog.ruoff.com\/loyalty-refinance-program","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/golden%20retriever%20high%20five%20rounded%20corners-1.png","description":"It\u2019s no secret that interest rates have been rising quickly. Many homebuyers have decided to delay their home purchase until mortgage terms become more favorable. With the Ruoff Mortgage Loyalty Refinance Program, you can focus on finding your dream home and know that we will be here for you when rates come down.","pubDate":{"date":"2022-11-30 19:58:37.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2315,"title":"New Year Finance Resolutions","link":"https:\/\/blog.ruoff.com\/draft-new-year-finance-resolutions","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/New-Year-Finance-Resolutions.jpg","description":"Every year, we make New Year's Resolutions that we ultimately break, like losing weight or reading more books. So we came up with a few easy financial resolutions you can stick to all year, which will help you in the long run and set you up better for the next year.","pubDate":{"date":"2023-01-02 13:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2316,"title":"6 Home Improvement Ideas That Can Help Seniors Age in Place","link":"https:\/\/blog.ruoff.com\/6-home-improvement-ideas-that-can-help-seniors-age-in-place","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/GettyImages-1357522236.jpg","description":"Aging in place is when a person grows old in their own home. It allows older adults to maintain their independence and better adjust to changes that come with aging. ","pubDate":{"date":"2023-02-01 17:08:27.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2317,"title":"Renovation Purchase: Loan Explained","link":"https:\/\/blog.ruoff.com\/renovation-purchase-loan-explained","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Renovation-Purchase-Loan-Explained.jpg","description":"Today\u2019s real estate market is like none other. Inventory is tight, homes are getting multiple offers, properties often sell above list price, and rents are climbing.\u00a0How can a would-be home buyer cope with all these challenges?\u00a0","pubDate":{"date":"2023-02-02 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2318,"title":"DIY Home Emergency Kit","link":"https:\/\/blog.ruoff.com\/diy-home-emergency-kit","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/diy-emergency-kit.jpg","description":"Sometimes the unthinkable or unpredictable happens at home. In those cases, it\u2019s especially important to be prepared so you can protect your loved ones in the event of a natural disaster or other emergency.","pubDate":{"date":"2023-02-02 23:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2319,"title":"What to Pack for a Music Festival","link":"https:\/\/blog.ruoff.com\/what-to-pack-for-a-music-festival","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-to-Pack-for-a-Music-Festival.jpg","description":"Summer is in full effect and so are the music festivals. Weekend concerts and multi-day shows are popping up all over the country, so you better get while the getting is good. Pumpkin spice season is right around the corner, you know.","pubDate":{"date":"2023-07-14 11:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2320,"title":"Homebuying Essentials: Why Pre-Approval Matters","link":"https:\/\/blog.ruoff.com\/homebuying-essentials-why-pre-approval-matters","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/pexels-ketut-subiyanto-4246061.jpg","description":"In the exhilarating journey of purchasing a home, there's an important step that often gets overlooked in the excitement: pre-approval. It might not sound as much of a good time as browsing dream homes or envisioning your future decor but trust us when we say it\u2019s an absolute game-changer. If you're gearing up for the homebuying race, let's dive into why getting pre-approved for a mortgage should be your first step.","pubDate":{"date":"2024-04-04 19:43:39.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2321,"title":"Understanding the Benefits of FHA Loans for Homeownership","link":"https:\/\/blog.ruoff.com\/understanding-the-benefits-of-fha-loans-for-homeownership","topic":"2024","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/pexels-rdne-stock-project-8292832.jpg","description":"In the homebuying world, navigating the many home loan options can be over
624whelming. Out of the several available options, the one that really catches homebuyers' eyes is the FHA loan. This type of loan has unique features and requirements that set them apart from other mortgage options. In this comprehensive guide, we'll dive into the specifics of FHA loans, exploring what they are, how they work, and the steps involved in the approval process.","pubDate":{"date":"2024-04-04 19:30:07.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2322,"title":"Navigating the Mortgage Maze: Conventional Loans for Homebuyers","link":"https:\/\/blog.ruoff.com\/navigating-the-mortgage-maze-conventional-loans-for-homebuyers","topic":"2024","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/family-at-home-on-couch-1728328.jpg","description":"Are you on the hunt for your dream home? Navigating the world of mortgages can be daunting and confusing at times, but fear not! We\u2019re here to uncover the specifics of what conventional loans are and how they can be beneficial for buyers. The most common questions we receive are: what makes them so appealing to sellers, what are the advantages and drawbacks for buyers, and how do they stack up against other loan options? Let's dive in and uncover the answers together.","pubDate":{"date":"2024-04-04 18:34:25.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2323,"title":"Spring Cleaning Tips for a Cleaner, Happier Home","link":"https:\/\/blog.ruoff.com\/springcleaning","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/neighborhood.jpg","description":"Spring is a time of renewal, and what better way to embrace the season than by giving your home a thorough spring cleaning? As the days grow longer and the weather warms up, it's the perfect opportunity to declutter, organize, and refresh your living space. Not only does spring cleaning help create a cleaner and more inviting environment, but it can also reduce feelings of overwhelm and stress. Here's how you can tackle your spring cleaning with ease and efficiency:","pubDate":{"date":"2024-04-04 18:23:50.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2324,"title":"Navigating the Mortgage Maze: Conventional Loans for Homebuyers","link":"https:\/\/blog.ruoff.com\/navigating-the-mortgage-maze-conventional-loans-for-homebuyers","topic":"2024","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/family-at-home-on-couch-1728328.jpg","description":"Are you on the hunt for your dream home? Navigating the world of mortgages can be daunting and confusing at times, but fear not! We\u2019re here to uncover the specifics of what conventional loans are and how they can be beneficial for buyers. The most common questions we receive are: what makes them so appealing to sellers, what are the advantages and drawbacks for buyers, and how do they stack up against other loan options? Let's dive in and uncover the answers together.","pubDate":{"date":"2024-04-11 14:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2325,"title":"Understanding the Benefits of FHA Loans for Homeownership","link":"https:\/\/blog.ruoff.com\/understanding-the-benefits-of-fha-loans-for-homeownership","topic":"2024","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/pexels-rdne-stock-project-8292832.jpg","description":"In the homebuying world, navigating the many home loan options can be overwhelming. Out of the several available options, the one that really catches homebuyers' eyes is the FHA loan. This type of loan has unique features and requirements that set them apart from other mortgage options. In this comprehensive guide, we'll dive into the specifics of FHA loans, exploring what they are, how they work, and the steps involved in the approval process.","pubDate":{"date":"2024-04-18 14:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2326,"title":"Homebuying Essentials: Why Pre-Approval Matters","link":"https:\/\/blog.ruoff.com\/homebuying-essentials-why-pre-approval-matters","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/pexels-ketut-subiyanto-4246061.jpg","description":"In the exhilarating journey of purchasing a home, there's an important step that often gets overlooked in the excitement: pre-approval. It might not sound as much of a good time as browsing dream homes or envisioning your future decor but trust us when we say it\u2019s an absolute game-changer. If you're gearing up for the homebuying race, let's dive into why getting pre-approved for a mortgage should be your first step.","pubDate":{"date":"2024-04-25 14:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2327,"title":"Closing Costs: Bummer or Benefit?","link":"https:\/\/blog.ruoff.com\/closing-costs-bummer-or-benefit","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/cytonn-photography-n95VMLxqM2I-unsplash.jpg","description":"Closing costs are easily forgotten in the thrill of house-hunting. When shopping for a home, buyers tend to focus on the purchase price and down payment, skipping over the fact that they will need to produce another sizeable sum of money before snagging the keys. Bummer, right? Well, that all depends on your approach. For house shoppers with an open mind and a few extra dollars, they might be able to turn that bummer into their own benefit.","pubDate":{"date":"2024-05-01 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2328,"title":"How Three Digits Dictate Your Financial Path","link":"https:\/\/blog.ruoff.com\/how-three-digits-dictate-your-financial-path","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/towfiqu-barbhuiya-Ksgjx0tyuCY-unsplash.jpg","description":"The
624se days many numbers dictate how we feel about the world around us, but there is one number that has the greatest influence on the freedoms we are granted inside that world\u2014our credit score.","pubDate":{"date":"2024-05-08 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2329,"title":"9 Steps to Prepare Your Garden for Spring","link":"https:\/\/blog.ruoff.com\/9-steps-to-prepare-your-garden-for-spring","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/kelly-sikkema-iu3MkDoQXDM-unsplash.jpg","description":"Spring is just around the corner, and for homeowners, that means it's time to start thinking about rejuvenating your garden. A well-maintained garden not only enhances the curb appeal of your home but also provides a tranquil sanctuary to unwind in after a long day. To help you kickstart your spring gardening project, we've compiled a comprehensive guide with nine essential steps to get your garden ready for the season ahead.","pubDate":{"date":"2024-05-15 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2330,"title":"How VA Loans Offer Financial Flexibility and Support for Veterans","link":"https:\/\/blog.ruoff.com\/how-va-loans-offer-financial-flexibility-and-support-for-veterans","topic":"2024","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/jessica-radanavong-0ZkAINlmtOs-unsplash.jpg","description":"To all our veterans, thank you for your commitment to serving our country. Did you know that as a veteran, active-duty service member, or someone who's a part of their family, you have a special option to finance your dream home? Let\u2019s dive into the benefits VA loans pack for you.","pubDate":{"date":"2024-05-22 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2331,"title":"Preparing to Sell Your Home: a Comprehensive Guide","link":"https:\/\/blog.ruoff.com\/preparing-to-sell-your-home-a-comprehensive-guide","topic":"Home Selling","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/zac-gudakov-wwqZ8CM21gg-unsplash.jpg","description":"It\u2019s been a rough few years for the housing market, but despite ongoing challenges for both buyers and sellers, experts are forecasting an increase in home sales compared to last year.","pubDate":{"date":"2024-05-29 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2332,"title":"Maximize Your Home\u2019s Potential with a Renovation Loan","link":"https:\/\/blog.ruoff.com\/maximize-your-homes-potential-with-a-renovation-loan","topic":"2024","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/immo-renovation-UqNEbyRQ660-unsplash.jpg","description":"Are you eyeing that charming fixer-upper or dreaming of transforming your current space into something spectacular? Renovation loans might just be the magic wand you need to turn those dreams into reality! Whether you're a first-time homebuyer or a seasoned homeowner looking to spruce up your space, renovation loans offer a multitude of opportunities to finance your home improvements while keeping your budget in check.","pubDate":{"date":"2024-06-05 13:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2333,"title":"Protect Your Investment: The Role of Earnest Money in Homebuying","link":"https:\/\/blog.ruoff.com\/protect-your-investment-the-role-of-earnest-money-in-homebuying","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Untitled%20design%20%2846%29-1.png","description":"Looking for your dream home is an exciting adventure, but there\u2019s one important term to know before putting in an offer on your new home: earnest money.","pubDate":{"date":"2024-06-07 12:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2334,"title":"Rising Rent: How First-Time Homebuyers Can Achieve Homeownership","link":"https:\/\/blog.ruoff.com\/protect-your-investment-the-role-of-earnest-money-in-homebuying-0","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/couple%20moving%20smiling-1.png","description":"With the cost of rent climbing steadily in the last few years, buying a home may seem out of reach for many first-time homebuyers.","pubDate":{"date":"2024-06-14 01:22:51.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2335,"title":"Homes with Unique Histories: Where to Find Them and How to Close on Your Very Own","link":"https:\/\/blog.ruoff.com\/homes-with-unique-histories","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/What-Does-Buying-a-Home-%E2%80%9CAs-is%E2%80%9D-Mean.jpg","description":"Homes with Unique Histories: Where to Find Them and How to Close on Your Very Own While some homebuyers are out to find the perfect turn-key two-story with a picket fence, others are on the hunt for something that sets them apart from the suburban sprawl, something just a little more unique. Ranging from the beautiful to the bizarre, Ruoff believes the perfect property is out there for every hopeful homebuyer, and we are here to help you find and finalize that purchase, however unusual it may be.","pubDate":{"date":"2024-06-20 18:57:47.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2336,"title":"What to Know Before Buying a Home with a Basement","link":"https:\/\/blog.ruoff.com\/buying-a-home-with-basement","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/point3d-commercial-imaging-ltd-IJpT80YZlE0-unsplash-1.jpg","description":"When looking for your next home, there are plenty of reasons to consider adding a basement to your wish list. Basements are great for storage, but many people choose to finish their basements in order to use the extra square footage to extend their living space. Finished basements can serve as a playroom, exercise space, workshop, bonus living space, or even guest rooms and an extra bathroom.","pubDate":{"date":"2024-0
6247-01 17:45:05.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2337,"title":"Why Now is the Time for a Cash-Out Refinance","link":"https:\/\/blog.ruoff.com\/now-is-the-time-cash-out-refinance","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/scott-graham-5fNmWej4tAA-unsplash-1.jpg","description":"As a homeowner with a mortgage, you may be interested to know that since the beginning of 2024, approximately 62% of all properties have seen a boost in equity, totaling $1.5 trillion. This significant rise in equity offers a golden opportunity for homeowners looking to tap into their home's value through a cash-out refinance. But what exactly is a cash-out refinance, and how can it benefit you?","pubDate":{"date":"2024-07-04 18:02:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2338,"title":"What to Know Before Buying a Home with a Basement","link":"https:\/\/blog.ruoff.com\/buying-a-home-with-basement","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/point3d-commercial-imaging-ltd-IJpT80YZlE0-unsplash-1.jpg","description":"When looking for your next home, there are plenty of reasons to consider adding a basement to your wish list. Basements are great for storage, but many people choose to finish their basements in order to use the extra square footage to extend their living space. Finished basements can serve as a playroom, exercise space, workshop, bonus living space, or even guest rooms and an extra bathroom.","pubDate":{"date":"2024-07-11 11:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2339,"title":"Beat High Mortgage Rates, Secure Your Dream Home for Less","link":"https:\/\/blog.ruoff.com\/beat-high-mortgage-rates-secure-dream-home","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/bailey-anselme-Bkp3gLygyeA-unsplash.jpg","description":"As inflation holds tight and mortgage rates continue to fluctuate between 6% and 7%, many homebuyers are feeling the financial strain of saving for a down payment, closing costs, and the overall affordability of a mortgage.","pubDate":{"date":"2024-07-18 18:01:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2340,"title":"What is Radon Testing, and Does My Home Need It?","link":"https:\/\/blog.ruoff.com\/radon-testing-home","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_333414949.jpeg","description":"When you become a homeowner, there are many things that come onto your radar that you likely never considered pre-homeownership. Enter: radon. If you\u2019ve never owned a home or gone through the home inspection process, it\u2019s likely that you\u2019ve never heard of radon\u2014what it is, where it\u2019s found, why it\u2019s hazardous, or the benefits associated with testing for it or installing a radon mitigation system.","pubDate":{"date":"2024-07-25 18:02:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2341,"title":"Title Insurance, Safeguarding Your New Home","link":"https:\/\/blog.ruoff.com\/title-insurance-safeguarding-your-new-home","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_771268475.jpeg","description":"Buying a home is a momentous occasion that involves many steps, the vital one being purchasing title insurance. It\u2019s your security blanket that protects you from any possible discrepancies that could arise before or after you close on your home.","pubDate":{"date":"2024-08-01 17:59:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2342,"title":"How to Leverage Your Home Equity","link":"https:\/\/blog.ruoff.com\/how-to-leverage-your-home-equity","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_82265451.jpeg","description":"With the summer heat chasing so many Americans inside this year, you might experience increasing dissatisfaction with what you see behind your front door. Are those laminate countertops just a little more hideous than they were yesterday? Did your half bath somehow shrink? And who thought carpet in the dining room was a good idea? If those pesky projects feel like they keep creeping up your priority list, it may be time to consider how using your home equity can help you tackle those annoying home improvement needs.","pubDate":{"date":"2024-08-08 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2343,"title":"The Role of Escrow in Homebuying","link":"https:\/\/blog.ruoff.com\/role-of-escrow-in-homebuying","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_352198814.jpeg","description":"\u00a0 As a homebuyer or homeowner, you\u2019ve likely encountered the term \"escrow\" frequently. We know\u2014there are a lot of terms associated with the homebuying process, and it can be difficult to keep them all straight. But understanding escrow and its purpose can be crucial in ensuring a smooth transaction and future financial stability, so let\u2019s dive in.","pubDate":{"date":"2024-08-15 18:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2344,"title":"Benefits of Paying Off Your Mortgage","link":"https:\/\/blog.ruoff.com\/benefits-paying-off-mortgage-early","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_180423012%20%281%29.jpeg","description":"When homebuyers sign on the dotted line at closing, many have a hard t
624ime picturing the day they will own their home outright. With 90% of American homeowners electing for a 30-year loan, it can be difficult to see the light at the end of the tunnel, but paying off your mortgage before it comes due is an attainable and often overlooked goal. Ruoff is here to remind you that not only is this possible, it may be just the goal you didn\u2019t know you needed, as the benefits of paying off your mortgage early are well worth the work.","pubDate":{"date":"2024-08-22 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2345,"title":"Protect, Monitor, and Save: The Comprehensive Benefits of Home Security Systems","link":"https:\/\/blog.ruoff.com\/benefits-of-home-security-systems","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_135442992.jpeg","description":"Home security systems are hardly a new concept for homeowners, but as technology hasadvanced, the benefits of having a system installed in your home go beyond just protecting your family and valuables from crime.\u00a0","pubDate":{"date":"2024-08-29 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2346,"title":"Appraisals: What They Are and How to Prepare","link":"https:\/\/blog.ruoff.com\/appraisals-what-they-are-and-how-to-prepare","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_577809179.jpeg","description":"If you\u2019ve ever bought or sold a home, or even refinanced your mortgage, you know there are many steps and factors that go into determining a home\u2019s value and price. The home appraisal is arguably the most important step in that process, and often the final say on whether or not the agreed-upon price is equal to the actual value of the home.","pubDate":{"date":"2024-09-05 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2347,"title":"Fall Home Maintenance: Key Tips to Keep Your Home Cozy and Safe","link":"https:\/\/blog.ruoff.com\/fall-home-maintenance-key-tips","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_305394499.jpeg","description":"It\u2019s that time of year again when the weather starts to cool, and the leaves begin to fall. To ensure your home is ready for the coming colder months, it\u2019s important to take proactive steps to keep things running smoothly. We\u2019ve put together a fall home maintenance checklist that covers all the key areas\u2014from inspecting your roof and gutters to ensuring your HVAC system is ready for the season\u2014so you can avoid costly repairs down the road.","pubDate":{"date":"2024-09-12 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2348,"title":"From Local Lender to National Leader: Ruoff Mortgage Celebrates 40 Years of Excellence","link":"https:\/\/blog.ruoff.com\/ruoff-mortgage-celebrates-40-years","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Ruoff-107.jpg","description":"As we celebrate our 40th anniversary, we reflect on four decades of growth, innovation, and commitment to helping individuals and families achieve their homeownership dreams. From humble beginnings to becoming a leading mortgage lender, Ruoff's journey is a testament to our dedication to excellence and customer service.","pubDate":{"date":"2024-09-18 13:39:14.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2349,"title":"Why Real Estate Agents Matter: Expert Help for a Stress-Free Home Sale","link":"https:\/\/blog.ruoff.com\/why-real-estate-agents-matter","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_218989306.jpeg","description":"When navigating the real estate market, whether you're buying or selling a home, one of the biggest decisions you'll face is whether to work with a real estate agent. The internet has made it easier for homeowners to attempt to sell their homes on their own through the \u201cFor Sale by Owner\u201d (FSBO) approach. However, working with a real estate agent can provide numerous advantages that help smooth the process and increase financial gains.","pubDate":{"date":"2024-09-19 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2350,"title":"Stepping into Homeownership: Benefits of Buying a Condo","link":"https:\/\/blog.ruoff.com\/benefits-of-buying-a-condo","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_51342322.jpeg","description":"For many aspiring homeowners, the leap from renting to owning a single-family home can feel daunting. However, purchasing a condo can be an excellent intermediate step, offering the benefits of homeownership with fewer responsibilities. Here's why a condo may be the perfect choice for those not quite ready for a traditional house.","pubDate":{"date":"2024-09-26 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2351,"title":"Haunted Adventures: Where to Find America\u2019s Most Eerie Properties This Halloween","link":"https:\/\/blog.ruoff.com\/where-to-find-americas-most-eerie-properties","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_527962462.jpeg","description":"From Salem to San Jose, America is dotted with properties that will both frighten and fascinate even the greatest of skeptics. Despite our country\u2019s relative youth, the U.S. harbors a surprisingly large number of haunted houses. Supernatural experiences and legendary tales live inside the walls of some of America\u2019s most infamous homes, and for those seeking a Halloween thrill, many of these sites even encourage a peek inside.","pubDate":{"date":"2024-10-03 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2352,"title":"Fall Decorating: What's Trending for Halloween","link":"https:\/\/blog.ruoff.com\/fall-decorating-whats-trending-for-halloween","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_241525392.jpeg","description":"As the days grow shorter and the air turns delightfully crisp, nature begins to unveil its vibrant tapestry of falling leaves. Autumn is here\u2014a magical season that invites us to wrap ourselves in cozy sweaters and sip warm beverages by the fire. But hold on tight, because this enchanting time of year also heralds the arrival of the most thrilling part: spooky season!","pubDate":{"date":"2024-10-10 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2353,"title":"Furnishing Your Home on a Budget","link":"https:\/\/blog.ruoff.com\/furnishing-your-home-on-a-budget","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_193995249.jpeg","description":"American homeowners have a wonderful opportunity to discover innovative ways to furnish their new spaces through a variety of places. After investing in closing costs, it\u2019s natural for the budget to feel tight when it comes to essentials like a couch or kitchen table. However, this budget-conscious approach can spark creativity and resourcefulness in your home furnishing journey.","pubDate":{"date":"2024-10-17 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2354,"title":"Understanding the Underwriting Process","link":"https:\/\/blog.ruoff.com\/understanding-the-underwriting-process","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_842993837.jpeg","description":"Buying a home is one of the most significant milestones in life, filled with excitement and anticipation. Yet, it can also feel overwhelming, especially when navigating the complexities of securing a mortgage. One critical step in this journey is the underwriting process, which often raises questions and concerns for first-time homebuyers and seasoned purchasers alike. Understanding what underwriting is and why it matters can empower you as you take this important step toward homeownership. At Ruoff Mortgage, we\u2019re here to demystify this process and support you every step of the way.","pubDate":{"date":"2024-10-24 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2355,"title":"DIY Thanksgiving Decor Ideas: Affordable, Family-Friendly, and Trendy","link":"https:\/\/blog.ruoff.com\/diy-thanksgiving-decor-ideas","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_459813192.jpeg","description":"When you think of DIY Thanksgiving decor, what comes to mind? If you immediately thought of the hand turkeys we all made in elementary school, we\u2019re happy to report there are more elevated DIY decor projects out there today that are just as easy, affordable, and family-friendly. ","pubDate":{"date":"2024-10-31 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2356,"title":"The VA Loan Advantage for Veterans and Service Members","link":"https:\/\/blog.ruoff.com\/the-va-loan-advantage-for-veterans-and-service-members","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_506424324.jpeg","description":"The dedication and bravery of our active-duty service members and veterans is inspiring, and we honor your service not just on special occasions, but every single day. Whether you served in times of peace or conflict, your contributions have shaped our nation and paved the way for future generations.","pubDate":{"date":"2024-11-08 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2357,"title":"Cash-Out Refinance: Maximize Your Home\u2019s Benefits","link":"https:\/\/blog.ruoff.com\/cash-out-refinance-maximize-your-homes-benefits","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_4874033
6241.jpeg","description":"Dreaming of new tile in your bathroom, upgrading appliances, or new flooring? Though tax season is upon us, you don\u2019t have to wait for your return to start planning upgrades for your home. With a cash-out refinance you can tap into your home's equity to make the renovations you\u2019ve been dreaming of sooner than later. What\u2019s even better, doing so may offer you some attractive tax advantages.","pubDate":{"date":"2024-11-15 18:45:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2358,"title":"A Dozen Sides to Impress Your Guests on Turkey Day","link":"https:\/\/blog.ruoff.com\/sides-to-impress-your-guests-on-turkey-day","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_291791417.jpeg","description":"Love it or hate it \u2013 it is time to play host, and with the holidays right around the corner, you are going to need a plan to prevent any last-minute meal mishaps. Whether entertaining guests is a favorite pastime or an anxiety-ridden obligation, a recipe refresh will keep that Thanksgiving tradition from going stale. To help, we have compiled a dozen tasty ideas to perk up your Turkey Day table as you host this upcoming holiday.","pubDate":{"date":"2024-11-21 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2359,"title":"Brightening Winter Blues with Houseplants","link":"https:\/\/blog.ruoff.com\/brightening-winter-blues-with-house-plants","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_414922420.jpeg","description":"Winter often brings a dip in mood for many, marked by feelings of lethargy. While cozy blankets and warm drinks offer comfort, a more vibrant solution can transform both your living space and mindset: houseplants. These green companions add a splash of color and life to our homes and provide numerous benefits, from improved air quality to enhanced well-being. In this blog, we will explore how nurturing indoor plants can lift your spirits, create a serene environment, and help you thrive through the colder months.","pubDate":{"date":"2024-11-28 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2360,"title":"Make Your Holiday Gathering Memorable: A To-Do List","link":"https:\/\/blog.ruoff.com\/make-your-holiday-gathering-memorable-a-to-do-list","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_904437682%20%281%29.jpeg","description":"The holidays are here, and it's time to give your home a splash of cheer! To make your holiday gathering memorable, we've put together a to-do list to help you stay organized and reduce stress as you plan.","pubDate":{"date":"2024-12-05 15:51:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2361,"title":"Crafting a Merry Home: Cost-Effective Tips for Holiday D\u00e9cor","link":"https:\/\/blog.ruoff.com\/crafting-a-merry-home-cost-effective-tips-for-holiday-d%C3%A9cor","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_521023367.jpeg","description":"It is time once again to deck those dingy halls with boughs of really expensive store-bought holly. But if you are already wondering where to find that extra dough for d\u00e9cor this holiday season, we are here to assure you there are ways around going into debt this December. Getting your house ready for the holidays does not have to cost a fortune. All it might cost you is a quick run to the craft store and a little time.","pubDate":{"date":"2024-12-12 15:51:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2362,"title":"Your Post-Purchase Home Checklist: What to Tackle Before Unpacking","link":"https:\/\/blog.ruoff.com\/your-post-purchase-home-checklist-what-to-tackle-before-unpacking","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_282399227.jpeg","description":"So, you\u2019ve navigated the complex journey of purchasing a home, and now you hold the keys to your new abode. But before you dive into decorating and unpacking, there are several essential tasks to tackle that will help ensure a smooth transition into your new space. We\u2019ve compiled a comprehensive checklist of what to do before moving in.","pubDate":{"date":"2024-12-19 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2363,"title":"New Year, New Home: 6 Benefits of Buying a New Home in the Colder Months","link":"https:\/\/blog.ruoff.com\/new-year-new-home-6-benefits-of-buying-a-new-home-in-the-colder
624-months","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_11374276.jpeg","description":"Spring and summer might be known as the peak homebuying seasons, but savvy buyers know that winter offers unique advantages. In fact, real estate data shows that peak season is mostly beneficial for sellers in the months of May, June, and July, offering seller premiums of 10% or more above market value. So, while that\u2019s great for sellers, the opposite is true for buyers. ","pubDate":{"date":"2024-12-26 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2364,"title":"How to Cozy Up Your Home This Winter","link":"https:\/\/blog.ruoff.com\/how-to-cozy-up-your-home-this-winter","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_938221899.jpeg","description":"For those of us in colder climates, winter brings shorter days, colder temperatures, and, for many, a case of the winter blues. With the right approach, your home can become a sanctuary of warmth and positivity during the chilly months. There are several ways to treat those winter blues by making small changes to your home. Whether you\u2019re a new homeowner or someone looking to enhance your living space, these tips will help you combat the winter doldrums and create a haven of comfort and joy.","pubDate":{"date":"2025-01-02 15:24:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2365,"title":"Homeownership Goals: Tips for Utilizing Your Tax Refund","link":"https:\/\/blog.ruoff.com\/homeownership-goals-tips-for-utilizing-your-tax-refund","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_480198579.jpeg","description":"Tax season is upon us! For many, the thought of a tax return sparks excitement\u2014and maybe even a little daydreaming. After all, what\u2019s more satisfying than seeing that refund land in your bank account? However, the smartest approach is to allocate your refund before it arrives. Planning ahead allows you to use this windfall strategically, helping you reach long-term financial goals.","pubDate":{"date":"2025-01-09 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2366,"title":"DTI Explained: Your Path to Mortgage Approval","link":"https:\/\/blog.ruoff.com\/dti-explained-your-path-to-mortgage-approval","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_832359380.jpeg","description":"Unlock the power of your Debt-to-Income Ratio (DTI)\u2014your secret weapon in your homeownership journey! Far from being just another financial acronym, DTI is a dynamic tool that transforms potential challenges into exciting opportunities. It's a map of your financial fitness that helps lenders understand your borrowing potential while giving you a clear roadmap to mortgage approval. By strategically managing your DTI, you're not just applying for a mortgage; you're crafting a brilliant financial future and taking confident steps toward the keys of your dream home. Let\u2019s dive in.","pubDate":{"date":"2025-01-16 16:05:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2367,"title":"Decoding Closing Costs","link":"https:\/\/blog.ruoff.com\/decoding-closing-costs","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1145114308.jpeg","description":"Have you found your dream home or are you looking to refinance? Whether you're a first-time homebuyer or a seasoned homeowner, the final stretch of your mortgage journey involves understanding closing costs\u2014those often-mysterious fees that may catch you by surprise. What exactly are closing costs?","pubDate":{"date":"2025-01-23 16:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2368,"title":"The Smart Seller's Guide: Budgeting for Home Sale Expenses","link":"https:\/\/blog.ruoff.com\/the-smart-sellers-guide-budgeting-for-home-sale-expenses","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_964973262.jpeg","description":"As you prepare to list your property, understanding the most common expenses when selling a house\u2014optional costs and standard home seller concessions\u2014can help you budget effectively and maximize your profit. Here's a comprehensive guide to help you navigate the financial aspects of selling your home.","pubDate":{"date":"2025-01-30 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2369,"title":"The Power of the Down Payment","link":"https:\/\/blog.ruoff.com\/the-power-of-the-down-payment","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_801930463.jpeg","description":"Embarking on the journey to homeownership is an exciting milestone. However, the financial landscape can seem daunting\u2014especially when confronting the pivotal down payment concept. This initial, substantial cash investment represents more than just a transaction; it's your first step into the world of homeownership.","pubDate":{"date":"2025-02-06 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2370,"title":"Home Inspection 101","link":"https:\/\/blog.ruoff.com\/home-inspection-101","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_296099096.jpeg","description":"Buying a home is one of life\u2019s biggest milestones, and the home inspection is a critical step in the process. A home inspection is a professional evaluation of a property\u2019s physical condition, conducted by a licensed home inspector. It\u2019s designed to identify potential issues that could affect the safety, functionality, or value of the home.","pubDate":{"date":"2025-02-13 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2371,"title":"Mortgage Myths Debunked: The Truth About Mortgages","link":"https:\/\/blog.ruoff.com\/mortgage-myths-debunked-the-truth-about-mortgages","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_601874987.jpeg","description":"Buying a home is an exciting journey filled with incredible possibilities! While the process might seem complex, it's really an opportunity to create your personal sanctuary, build wealth, and write an amazing new chapter in your life. If you\u2019re just getting started, you may have heard some myths about the mortgage process. We're here to provide clear, actionable guidance that empowers you to navigate the homebuying process with confidence and enthusiasm by demystifying common misconceptions and offering expert insights. Together, we will turn your homeownership dreams into reality, celebrating every milestone. Your perfect home isn't just a destination\u2014it's an adventure waiting to unfold! Let\u2019s dive in and clear up some common misconceptions.","pubDate":{"date":"2025-02-20 16:15:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2372,"title":"Your 5-Step Guide to Mortgage Success","link":"https:\/\/blog.ruoff.com\/your-5-step-guide-to-mortgage-success","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_835131067.jpeg","description":"The journey to homeownership is a profou
624nd milestone\u2014a complex dance of financial planning, personal aspiration, and strategic decision-making. For many, the path begins with a seemingly intimidating process: securing a mortgage. This financial cornerstone can feel like deciphering an intricate puzzle, especially for first-time homebuyers standing at the threshold of one of life's most significant investments.","pubDate":{"date":"2025-02-27 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2373,"title":"What is Private Mortgage Insurance?","link":"https:\/\/blog.ruoff.com\/what-is-private-mortgage-insurance","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_432562253.jpeg","description":"For many homebuyers, saving up for a downpayment is one of the biggest hurdles standing between them and a new home. Historically, 20% has been held as the standard for a down payment, and it can take years to save up that amount of cash. But the good news is, it\u2019s possible (and common!) to buy a home without putting 20% down. If homebuyers go this route, they\u2019ll likely encounter something called private mortgage insurance, or PMI. ","pubDate":{"date":"2025-03-06 16:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2374,"title":"Is My Home at Risk for Flooding?","link":"https:\/\/blog.ruoff.com\/is-my-home-at-risk-for-flooding","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_684793544.jpeg","description":"Spring is here, and while that means warmer weather and blooming flowers, it also brings the risk of flooding\u2014especially from melting snow and heavy spring rains. If you\u2019re a homeowner, understanding your home\u2019s flood risk is crucial for protecting your investment. Let\u2019s explore how to determine your risk level, what tools can help, and the best ways to protect your home from flood damage.","pubDate":{"date":"2025-03-13 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2375,"title":"Is Cashing in the Equity from My Home Worth It?","link":"https:\/\/blog.ruoff.com\/is-cashing-in-the-equity-from-my-home-worth-it","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_989243035.jpeg","description":"If you\u2019ve been paying down your mortgage and your home\u2019s value has increased over time, you may be sitting on a significant amount of equity. The big question is: Should you cash in on it? Tapping into your home equity can be a smart financial move\u2014but only if used wisely. Let\u2019s break it down.","pubDate":{"date":"2025-03-20 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2376,"title":"9 Simple Projects to Get Your Home Ready for Spring","link":"https:\/\/blog.ruoff.com\/9-simple-projects-to-get-your-home-ready-for-spring","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_206735513.jpeg","description":"There is nothing more satisfying than that first spot of sunshine after a long, gray winter. Not only does it lift the spirits, but it also offers a much-needed burst of energy as homeowners emerge from hibernation. Abandoned house and yard projects from the previous year feel not only attainable but (dare we say it?) enjoyable. Before you know it, you have a list longer than the 100 days of winter you just survived.","pubDate":{"date":"2025-03-27 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2377,"title":"What to Consider When Buying an Older Home","link":"https:\/\/blog.ruoff.com\/what-to-consider-when-buying-an-older-home","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_131861323.jpeg","description":"Shiny and new isn\u2019t for everyone, and with the current housing market outpricing many hopeful buyers, taking a chance on an older home might be the best bet on fulfilling those dreams of homeownership. There are a number of things to consider, though, before taking that leap into a trendy mid-century modern or the charm of a century-old farmhouse, so it is important to proceed with caution (as well as a solid dose of excitement).","pubDate":{"date":"2025-04-03 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2378,"title":"Want to Sell Your Home? Boost that Curb Appeal","link":"https:\/\/blog.ruoff.com\/want-to-sell-your-home-boost-that-curb-appeal","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_539024695-1.jpeg","description":"For those hoping to sell their home this year, setting aside some time and energy to boost the property\u2019s curb appeal will be well worth the minimal effort it takes. Few things can help sell a house like a first impression, and that is exactly what you invest in when you focus on the face of your home and the surrounding front yard. Creating a clean and tidy exterior that both welcomes and leaves a lasting impression can take your house from forgettable to fork-over-the-keys.","pubDate":{"date":"2025-04-10 20:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2379,"title":"Selling Your Home? Upgrades That Will Maximize Your Profit","link":"https:\/\/blog.ruoff.com\/selling-your-home-upgrades-that-will-maximize-your-profit","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_401499720.jpeg","description":"If you\u2019re thinking about selling your home, you want to get the best possible return on your investment. While the housing market plays a role in your home\u2019s value, strategic upgrades can make a significant difference in maximizing your profit. The key is to invest in improvements that buyers love and that offer the best return on investment (ROI). Here\u2019s a look at the top home upgrades that can help you sell your home faster and for more money.","pubDate":{"date":"2025-04-17 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2380,"title":"Spring Home Maintenance","link":"https:\/\/blog.ruoff.com\/spring-home-maintenance-0","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_220017507.jpeg","description":"The weather is getting warmer, and everything outside is coming alive again. That means it's time to clean, repair, and refresh your home. Spring is the perfect time to perform some basic maintenance to keep your home looking and working great.\u00a0","pubDate":{"date":"2025-05-01 18:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2381,"title":"Down Payment Assistance: What it is and How to Know if You Qualify","link":"https:\/\/blog.ruoff.com\/down-payment-assistance-what-it-is-and-how-to-know-if-you
624-qualify","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_899223232.jpeg","description":"Buying a home is exciting\u2014but coming up with a down payment can feel like a major hurdle. The good news? You might not have to do it alone. Down payment assistance programs (DPAs) are designed to help eligible homebuyers\u2014especially first-timers\u2014get into homes sooner than they thought possible. Whether you\u2019re worried you don\u2019t have enough saved or you simply want to explore all your options, learning about down payment\u00a0assistance programs could make your path to homeownership a lot smoother.","pubDate":{"date":"2025-05-08 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2382,"title":"Understanding Escrow: A Key Step toward Homeownership","link":"https:\/\/blog.ruoff.com\/understanding-escrow-a-key-step-toward-homeownership","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_863643452.jpeg","description":"If you are a first-time homebuyer, there is a mountain of mortgage knowledge to obtain in a relatively short amount of time. Aside from interest rates, appraisals, and inspections, you are going to have to wrap your brain around understanding escrow somewhere before signing on that dotted line. Ruoff is here to help not only get you to closing day, but assist you every step of the way, and understanding escrow is one of these key steps. \u00a0","pubDate":{"date":"2025-05-22 14:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2383,"title":"The Complete Guide to Fixed-Rate Mortgages: What Every Homebuyer Should Know","link":"https:\/\/blog.ruoff.com\/the-complete-guide-to-fixed-rate-mortgages-what-every-homebuyer-should-know","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_134405789.jpeg","description":"When it comes to financing your home, one of the most important decisions you\u2019ll make is choosing the right mortgage. For many homebuyers\u2014especially those looking for predictability and long-term stability\u2014a fixed-rate mortgage is the go-to choice. \u00a0","pubDate":{"date":"2025-05-29 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2384,"title":"A Guide of Who\u2019s Who in Home Buying","link":"https:\/\/blog.ruoff.com\/a-guide-of-whos-who-in-home-buying","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_645876743.jpeg","description":"Buying a home is an exciting and important milestone. But navigating the process can feel overwhelming \u2013 especially when you\u2019re not sure who\u2019s involved or what role they play. That\u2019s why we\u2019ve created this simple guide to introduce you to the key professionals you\u2019ll meet along the way. They each play a crucial role in helping you get the keys to your new home.","pubDate":{"date":"2025-06-05 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2385,"title":"Why you should get to know your neighbors this 4th of July","link":"https:\/\/blog.ruoff.com\/why-you-should-get-to-know-your-neighbors-this-4th-of-july-1","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_129566424.jpeg","description":"As the 4th of July approaches, you might be thinking about how you\u2019ll spend the holiday \u2013 backyard grilling, great music, maybe even a few rounds of cornhole with family and friends. But if you\u2019ve recently moved into a new home (or are dreaming of doing so), this summer is the perfect time to go big and connect with your community.","pubDate":{"date":"2025-06-12 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2386,"title":"Staying safe from fireworks this 4th of July","link":"https:\/\/blog.ruoff.com\/staying-safe-from-fireworks-this-4th-of-july","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1480148943.jpeg","description":"As Independence Day approaches, many of us are getting ready to celebrate with red, white, and blue outfits, backyard barbecues, and dazzling fireworks displays. Fireworks and the 4th of July go hand in hand. Seeing the colors and sparkles in the sky makes it feel like summer. However, something exciting and fun can quickly become dangerous if the proper precautions are not taken.","pubDate":{"date":"2025-06-19 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2387,"title":"Helping pets who are scared of fireworks this Independence Day","link":"https:\/\/blog.ruoff.com\/helping-pets-who-are-scared-of-fireworks-this-independence-day","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1322429072.jpeg","description":"While fireworks are a staple of Independence Day, they can be traumatizing for our furry friends \u2013 including dogs, cats, horses, birds, and more. While specific percentages vary, it is generally accepted that up to 50% of dogs are afraid of fireworks, according to a study from the Veterinary Nursing Journ
624al. In fact, The American Society for the Prevention of Cruelty to Animals reported that one-in-five lost pets go missing after being scared by loud noises, such as fireworks.","pubDate":{"date":"2025-06-26 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2388,"title":"How much could you save by making an extra mortgage payment every six months?","link":"https:\/\/blog.ruoff.com\/how-much-could-you-save-by-making-an-extra-mortgage-payment-every-six-months","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_952938053.jpeg","description":"Do you have a summer job? Did you get a summer bonus? Decided not to go on vacation this summer? With any extra money you may have, consider making an additional payment or two on your mortgage. You may be surprised how much you could save by making an extra payment here and there. Whether it\u2019s one extra payment a year or two, making any extra payments can help you pay off your loan early, start building equity faster, and reduce the amount of interest you will end up paying. ","pubDate":{"date":"2025-07-03 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2389,"title":"Energy-saving tips for staying cool in summer","link":"https:\/\/blog.ruoff.com\/energy-saving-tips-for-staying-cool-in-summer","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/July%20Week%202.jpeg","description":"Keep your home comfortable without breaking the bank \u2013 or the planet.","pubDate":{"date":"2025-07-10 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2390,"title":"How to prepare your home for summertime","link":"https:\/\/blog.ruoff.com\/how-to-prepare-your-home-for-summertime","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/July%20Week%203.jpeg","description":"With each new season that approaches, it is a good time to evaluate any routine maintenance that needs to be done to your house. Now that we are in the midst of summertime, you should take some time to evaluate what needs to be done to keep your systems running smoothly. ","pubDate":{"date":"2025-07-17 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2391,"title":"If you have pets, do not buy these houseplants for your home","link":"https:\/\/blog.ruoff.com\/if-you-have-pets-do-not-buy-these-house-plants-for-your-home","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/July%20Week%204.jpeg","description":"We all love our pets, and our plants. During the warmer months, you may be updating your landscaping, planting new plants, or even getting indoor plants for your home. ","pubDate":{"date":"2025-07-24 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2392,"title":"Why you should spend more time enjoying your home\u2019s outdoor space this summer","link":"https:\/\/blog.ruoff.com\/why-you-should-spend-more-time-enjoying-your-homes-outdoor-space-this-summer","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/July%20Week%205.jpeg","description":"Whether it\u2019s a gorgeous wrap-around porch, a small patio, an outdoor swing next to your front door, or a backyard with a firepit and a couple chairs \u2013 chances are you are not utilizing your outdoor space enough. There are many benefits to spending time outside \u2013 from improving your health to strengthening connections. ","pubDate":{"date":"2025-07-31 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2393,"title":"You\u2019ve Moved Into Your New House! Here's the First Things You Should Do","link":"https:\/\/blog.ruoff.com\/youve-moved-into-your-new-house-here-are-the-first-things-you-should-do","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/August%20Week%201.jpeg","description":"Congratulations on your new home! Moving in marks the beginning of an exciting new chapter \u2013 but before you start arranging furniture or unpacking boxes, there are a few important tasks to take care of that will give you peace of mind and set you up for success.","pubDate":{"date":"2025-08-0
6247 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2394,"title":"I Need to Sell My Current House Before I Can Buy a New House \u2013 How Does That Work?","link":"https:\/\/blog.ruoff.com\/i-need-to-sell-my-current-house-before-i-can-buy-a-new-house-how-does-that-work","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_301845809.jpeg","description":"So, you\u2019re ready to buy a new home \u2013 but there\u2019s one catch: you need to sell your current house first. Whether you're relying on the equity in your home to help fund your next purchase or simply can\u2019t carry two mortgages, this is a common situation many homeowners face. So, how does it all work?","pubDate":{"date":"2025-08-14 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2395,"title":"How to Buy a New Home Before Selling Your Current One","link":"https:\/\/blog.ruoff.com\/how-to-buy-a-new-home-before-selling-your-current-one","topic":"Home Selling","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_115986933.jpeg","description":"Buying a new home before selling your current one can feel like walking a tightrope. You\u2019re balancing timelines, finances, and major decisions \u2013 all while trying to avoid a double move or carrying two mortgages. ","pubDate":{"date":"2025-08-20 18:47:15.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2396,"title":"When Should I Consider Refinancing My Home?","link":"https:\/\/blog.ruoff.com\/when-should-i-consider-refinancing-my-home","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/August%20Week%203.jpeg","description":"Refinancing your home can be a powerful financial move \u2013 when done at the right time. Whether you're looking to lower your monthly payments, reduce your interest rate, or tap into your home\u2019s equity, refinancing could help you meet your financial goals.","pubDate":{"date":"2025-08-21 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2397,"title":"What Does \u201cClear to Close\u201d Really Mean in the Mortgage Process?","link":"https:\/\/blog.ruoff.com\/what-does-clear-to-close-really-mean-in-the-mortgage-process","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1497385296.jpeg","description":"If you\u2019ve ever gone through the home loan process \u2013 or are in the middle of it \u2013 you\u2019ve probably heard the phrase \u201cClear to Close.\u201d It\u2019s one of those milestone moments that gets everyone excited: the buyer, the lender, the real estate agents, even the title company. But what does it actually mean? And why is it such a big deal?","pubDate":{"date":"2025-08-27 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2398,"title":"How to Incorporate the 2025 Pantone Color of the Year into Your Home","link":"https:\/\/blog.ruoff.com\/how-to-incorporate-the-2025-pantone-color-of-the-year-into-your-home","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/August%20Week%204.jpeg","description":"If you haven\u2019t already heard, Pantone\u2019s Color of the Year for 2025 is PANTONE 17-1230 \u201cMocha Mousse\u201d \u2013 a rich, warm\u00a0brown tone inspired by the indulgent comfort of chocolate and coffee. This soothing, earthy hue was chosen to reflect a global mood of connection, calm, and harmony. And the best part? It\u2019s incredibly versatile in home design.","pubDate":{"date":"2025-08-28 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2399,"title":"Why House Hunting Is Easier with a Pre-Approval","link":"https:\/\/blog.ruoff.com\/why-house-hunting-is-easier-with-a-pre-approval","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1621720809.jpeg","description":"If you're getting ready to buy a home, you've probably heard this advice: Get pre-approved first. And while it\u2019s easy to brush off as just another item on the to-do list, it\u2019s actually one of the smartest moves you can make before stepping into the housing market.","pubDate":{"date":"2025-09-03 17:17:19.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2400,"title":"Having Trouble Keeping Up with Cleaning Your House? Try This Weekly Schedule","link":"https:\/\/blog.ruoff.com\/having-trouble-keeping-up-with-cleaning-your-house-try-this-weekly-schedule","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/August%20Week%205.jpeg","description":"If you\u2019re a homeowner, you already know how busy life can get. Between work, family, errands, and all the responsibilities that come with maintaining a home, cleaning often ends up at the bottom of the to-do list.","pubDate":{"date":"2025-09-04 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2401,"title":"What Is Mortgage Principal\u2014and Why It Matters More Than You Think","link":"https:\/\/blog.ruoff.com\/what-is-mortgage-principal-and-why-it-matters-more-than-you-think","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1063150657.jpeg","description":"Buying a home is exciting\u2014but let\u2019s be real, it also comes with a learning curve. One of the most important concepts to understand early in the process? ","pubDate":{"date":"2025-09-10 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2402,"title":"Your Pre-Approval Checklist: What to Get in Order Before House Hunting This Fall","link":"https:\/\/blog.ruoff.com\/your-pre-approval-c
624hecklist-what-to-get-in-order-before-house-hunting-this-fall","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Sept%20Week%201%20Blog%20Photo.jpeg","description":"There\u2019s something about fall that makes it a magical time to search for your dream home. The crisp air, colorful landscapes, and cozy vibes can make you want to settle in and settle down. ","pubDate":{"date":"2025-09-11 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2403,"title":"Changing Jobs During the Mortgage Process: What You Need to Know","link":"https:\/\/blog.ruoff.com\/changing-jobs-during-the-mortgage-process-what-you-need-to-know","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_451740821.jpeg","description":"Landing a new job offer is exciting \u2014 better pay, new opportunities, maybe even a shorter commute. But if you're also in the middle of buying a home, hitting \u201caccept\u201d on that offer could stir up more than just celebration. It can complicate your mortgage approval process in ways many buyers don\u2019t expect.","pubDate":{"date":"2025-09-17 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2404,"title":"Easy Weekend Projects to Boost Fall Curb Appeal","link":"https:\/\/blog.ruoff.com\/easy-weekend-projects-to-boost-fall-curb-appeal","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Sept%20Week%202%20Blog%20Photo.jpeg","description":"Cooler temps. Crunchy leaves. Cozy weekends. Fall is a great time to give your home\u2019s exterior a little refresh before the harsh winter temperatures come. Whether you\u2019re preparing to list your house, settling into a new one, or just want to make your neighbors notice you, these easy weekend projects will boost your curb appeal without breaking the bank\u2026 or your back.","pubDate":{"date":"2025-09-18 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2405,"title":"What Is Title Insurance and Why It Matters for Your Home Purchase","link":"https:\/\/blog.ruoff.com\/what-is-title-insurance-and-why-it-matters-for-your-home-purchase","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_188665802.jpeg","description":"When you\u2019re knee-deep into the homebuying process \u2013 juggling inspections, appraisals, and paperwork \u2013 title insurance might feel like just another item on a long list. ","pubDate":{"date":"2025-09-24 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2406,"title":"Fall-Inspired Home Interior Tips on a Budget","link":"https:\/\/blog.ruoff.com\/warm-up-your-space-fall-inspired-home-interior-tips-on-a-budget","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Sept%20Week%203%20Blog%20Photo.jpeg","description":"Cozy doesn\u2019t have to be costly. There\u2019s something about fall that makes us want to slow down, light a candle, and curl up with a blanket. But, before you splurge on a full home makeover or stock your cart with pricey seasonal d\u00e9cor, know this: you don\u2019t need to spend a fortune to make your home feel warm, welcoming, and ready for fall.","pubDate":{"date":"2025-09-25 13:59
624:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2407,"title":"How Much Home Can You Actually Afford? Here's How to Find Out","link":"https:\/\/blog.ruoff.com\/how-much-home-can-you-actually-afford-heres-how-to-find-out","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_368717795.jpeg","description":"If you're thinking about buying a home, one of the biggest questions on your mind is probably: How much can I really afford? It's a simple question \u2013 but the answer can be surprisingly complex.","pubDate":{"date":"2025-10-01 13:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2408,"title":"S\u2019mores, Sweaters, and Scenic Drives: Your Fall Bucket List Starts Here","link":"https:\/\/blog.ruoff.com\/smores-sweaters-and-scenic-drives-your-fall-bucket-list-starts-here","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Sept%20Week%204%20Blog%20Photo.jpeg","description":"Fall in love with the season \u2013 one cozy, colorful, pumpkin-filled adventure at a time.","pubDate":{"date":"2025-10-02 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2409,"title":"First-Time Homebuyer Checklist: What to Know Before You Buy","link":"https:\/\/blog.ruoff.com\/first-time-homebuyer-checklist-what-to-know-before-you-buy","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_112407701.jpeg","description":"Buying your first home is a big deal. It's exciting, nerve-wracking, and full of questions. Where do you start? Who do you talk to? How much do you need to save? If you're feeling overwhelmed, you're not alone. But the good news? A little preparation goes a long way.","pubDate":{"date":"2025-10-08 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2410,"title":"Clear the Clutter: Easy Garage Organization Tips to Complete Before Winter Hits","link":"https:\/\/blog.ruoff.com\/clear-the-clutter-easy-garage-organization-tips-to-complete-before-winter-hits","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Sept%20Week%205%20Blog%20Photo.jpeg","description":"Fall is in full swing, and winter is just around the corner. That means now is the perfect time to tackle one of the most overlooked (and overstuffed) areas of the home: the garage.","pubDate":{"date":"2025-10-09 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2411,"title":"Mortgage Underwriting: What It Is and Why It Matters","link":"https:\/\/blog.ruoff.com\/mortgage-underwriting-what-it-is-and-why-it-matters","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_584710830.jpeg","description":"When you're buying a home or refinancing, there\u2019s a word that might pop up and instantly make things feel a little more mysterious: underwriting.","pubDate":{"date":"2025-10-15 14:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2412,"title":"Hosting the Perfect Fall Gathering at Home","link":"https:\/\/blog.ruoff.com\/hosting-the-perfect-fall-gathering-at-home","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Oct%20Week%201%20Blog%20Photo.jpeg","description":"School is officially in full swing, Halloween is looming right around the corner, and the holiday season is sooner than you think. Before things get busy again, make some time to host the ones you love most \u2013 your friends and family.","pubDate":{"date":"2025-10-16 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2413,"title":"Struggling with a Down Payment? Here's What You Should Know","link":"https:\/\/blog.ruoff.com\/struggling-with-a-down-payment-heres-what-you-should-know","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_335196117.jpeg","description":"Let\u2019s be honest\u2014saving for a down payment can feel like climbing a mountain with no summit in sight. Between rent, bills, groceries, and life in general, putting away thous
624ands of dollars for a home might seem out of reach. But here\u2019s the good news: you don\u2019t need to do it alone, and you may not need to save as much as you think.","pubDate":{"date":"2025-10-22 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2414,"title":"Breathe Easy: Improving Indoor Air Quality Before Winter","link":"https:\/\/blog.ruoff.com\/breathe-easy-improving-indoor-air-quality-before-winter","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Oct%20Week%202%20Blog%20Photo%20v1.jpeg","description":"As the crisp days of October settle in, our homes become sanctuaries from chilly winds \u2013 but that means spending more time indoors. It\u2019s the perfect time to get ahead of winter\u2019s impact by refreshing your indoor air. A few smart steps in preparation can help ensure a healthier, more comfortable season ahead.","pubDate":{"date":"2025-10-23 13:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2415,"title":"What Are Closing Costs? A Deep Dive for Homebuyers","link":"https:\/\/blog.ruoff.com\/what-are-closing-costs-a-deep-dive-for-homebuyers","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_624450057.jpeg","description":"When you\u2019re buying a home, most of your focus naturally falls on the down payment. That makes sense\u2014it\u2019s a big chunk of money, and it often determines your loan amount. But there\u2019s another key piece of the puzzle that too many buyers overlook until the last minute: closing costs.","pubDate":{"date":"2025-10-29 14:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2416,"title":"What First-Time Buyers Should Know About Homeowners Insurance","link":"https:\/\/blog.ruoff.com\/what-first-time-buyers-should-know-about-homeowners-insurance","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_104812442.jpeg","description":"Buying your first home is exciting, but it also comes with a lot of new responsibilities. One of the most important \u2013 yet often overlooked \u2013 parts of the process is securing homeowners insurance. While it may feel like just another box to check before closing, the right policy plays a big role in protecting your investment and keeping your mortgage on track.","pubDate":{"date":"2025-10-30 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2417,"title":"What Are Discount Points and How Do They Work?","link":"https:\/\/blog.ruoff.com\/what-are-discount-points-and-how-do-they-work","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_564248623.jpeg","description":"When it comes to home financing, every percentage point on your mortgage rate can make a big difference over time. One strategy some buyers consider is paying discount points. But what exactly are discount points, and when does it make sense to use them?","pubDate":{"date":"2025-11-05 15:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2418,"title":"How VA Loans Work and How to Support Veterans This Veterans Day","link":"https:\/\/blog.ruoff.com\/how-va-loans-work-and-how-to-support-veterans-this-veterans-day","topic":"Loan Products","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Nov.%20Week%201%20Blog%20Photo.jpeg","description":"Veterans Day is right around the corner. It\u2019s a great time to pause and reflect on not just those who have served, but also on how we can support them. ","pubDate":{"date":"2025-11-06 15:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2419,"title":"Understanding PITI: What It Is and Why It Matters for Homebuyers","link":"https:\/\/blog.ruoff.com\/understanding-piti-what-it-is-and-why-it-matters-for-homebuyers","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_188222999.jpeg","description":"When you're buying a home, it\u2019s easy to focus on just the loan amount and interest rate. But there\u2019s a bigger picture\u2014and it\u2019s called PITI.","pubDate":{"date":"2025-11-12 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2420,"title":"Grateful for Home During the Holidays","link":"https:\/\/blog.ruoff.com\/grateful-for-home-during-the-holidays","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Nov.%20Week%202%20Blog%20Photo.jpeg","description":"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 really means to us.","pubDate":{"date":"2025-11-13 15:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2421,"title":"Understanding Property Tax: What Every Homebuyer Should Know","link":"https:\/\/blog.ruoff.com\/understanding-property-tax-what-every-homebuyer-should-know","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_649185.jpeg","description":"When you're buying a home, it\u2019s easy to focus on the big-ticket numbers\u2014purchase price, down payment, loan details. But there\u2019s a quieter cost in the background that can have a serious impact on your monthly budget: property tax.","pubDate":{"date":"2025-11-19 15:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2422,"title":"Hosting Thanksgiving: Tips for Homeowners","link":"https:\/\/blog.ruoff.com\/hosting-thanksgiving-tips-for-homeowners","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Nov.%20Week%203%20Blog%20Photo.jpeg","description":"Hosting Thanksgiving can be a very exciting, yet very overwhelming task. From making sure you have enough space for everyone, enough food for everyone, making time to tidy your space before your guests arrive, and managing the dynamics of various personalities during the event \u2013 there is a lot to consider!","pubDate":{"date":"2025-11-20 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2423,"title":"What Is a Government-Backed Loan? A Deep Dive for Homebuyers","link":"https:\/\/blog.ruoff.com\/what-is-a-government-backed-loan-a-deep-dive-for-homebuyers","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1591368038.jpeg","description":"When you're exploring ways to buy a home, you'll likely come across the term government-backed loan. It sounds official\u2014and it is\u2014but more importantly, it could open doors that might otherwise stay shut.","pubDate":{"date":"2025-11-26 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2424,"title":"Holiday Budgeting: How to Survive a Season of Consumerism","link":"https:\/\/blog.ruoff.com\/holiday-budgeting-how-to-survive-a-season-of-consumerism","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Nov.%20Week%204%20Blog%20Photo.jpeg","description":"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 will turn our attention to the winter holidays ahead. With these holidays, however, comes more expenses. From gifts, to decorations, to trips to visit family, the expenses can really add up. Not to mention, you\u2019re still responsible for all of your other bills of course, including \u2013 and especially \u2013 your mortgage payment. ","pubDate":{"date":"2025-11-27 15:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2425,"title":"What Is a Closing Date in Real Estate? A Deep Dive for Homebuyers and Homeowners","link":"https:\/\/blog.ruoff.com\/what-is-a-closing-date-in-real-estate-a-deep-dive-for-homebuyers-and-homeowners","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1569991519.jpeg","description":"If you\u2019ve ever bought or refinanced a home, you\u2019ve likely heard the term \u201cclosing date\u201d tossed around a lot. And if you\u2019re just starting the mortgage process, you\u2019ll hear it plenty.","pubDate":{"date":"2025-12-03 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2426,"title":"How to Protect Your Home in Ice-Cold Temperatures","link":"https:\/\/blog.ruoff.com\/how-to-protect-your-home-in-ice-cold-temperatures","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_130572275.jpeg","description":"As winter quickly approaches, many homeowners start thinking about cozy fires, snow-covered rooftops, and hot cocoa. But before you get too comfortable, let\u2019s talk about something less glamorous, but more important: protecting your home from the cold.","pubDate":{"date":"2025-12-04 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2427,"title":"What Is a Home Inspection and Why It Matters for Buyers","link":"https:\/\/blog.ruoff.com\/what-is-a-home-inspection-and-why-it-matters-for-buyers","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_458965608.jpeg","description":"Buying a home is exciting\u2014but also a major financial decision. One of the most critical steps in the process? The home inspection. It\u2019s not just a box to check during escrow. A home inspection can uncover hidden issues, give you negotiating power, and help you feel confident about your investment.","pubDate":{"date":"2025-12-10 15:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2428,"title":"Why You Should Consider Using All-Natural Cleaners in Your Home","link":"https:\/\/blog.ruoff.com\/why-you-should-consider-using-all-natural-cleaners-in-your-home","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1053476243.jpeg","description":"Some people use cleaning as a way to reduce stress and get things off their mind \u2013 an excuse to stream the
624ir favorite music and get off the couch. Others dread cleaning and are simply checking items off their to-do list. No matter which type of person you are, you should consider what cleaning products you are using and how it may impact yours, your kids\u2019 and your pets\u2019 health \u2013 as well as the environment and the surface you are cleaning.","pubDate":{"date":"2025-12-11 15:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2429,"title":"What Is a Closing Disclosure (CD) and Why It Matters","link":"https:\/\/blog.ruoff.com\/what-is-a-closing-disclosure-cd-and-why-it-matters","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_972818338.jpeg","description":"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 officially close: the Closing Disclosure, or CD.","pubDate":{"date":"2025-12-17 15:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2430,"title":"How to Create a Budget That Supports Your Homeownership Goals in the New Year","link":"https:\/\/blog.ruoff.com\/how-to-create-a-budget-that-supports-your-homeownership-goals-in-the-new-year","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1540549597.jpeg","description":"The start of a new year always brings fresh energy. New goals. New plans. Maybe even a new home on the horizon. If you\u2019ve been thinking about buying your first home \u2013 or maybe upgrading to your next one \u2013 there\u2019s a powerful move that can set the tone for success: creating a clear, intentional budget.","pubDate":{"date":"2025-12-18 15:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2431,"title":"Understanding Homeowners Insurance: What It Covers and Why It Matters","link":"https:\/\/blog.ruoff.com\/understanding-homeowners-insurance-what-it-covers-and-why-it-matters","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1546861923.jpeg","description":"When you buy a home, there\u2019s a lot to think about\u2014budgets, inspections, moving trucks, loan paperwork. But one thing that often gets overlooked in the whirlwind? Homeowners insurance.","pubDate":{"date":"2025-12-24 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2432,"title":"New Year's Resolutions to Have as a Homeowner","link":"https:\/\/blog.ruoff.com\/new-years-resolutions-to-have-as-a-homeowner","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_546835512.jpeg","description":"As the new year approaches, many people are surely starting to draft their new year\u2019s resolutions. Maybe your new year\u2019s resolutions have to do with eating healthier or being more active. But what about your house\u2019s new year\u2019s resolutions?","pubDate":{"date":"2025-12-25 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2433,"title":"Understanding Debt-to-Income Ratio (DTI) in the Mortgage Process","link":"https:\/\/blog.ruoff.com\/understanding-debt-to-income-ratio-dti-in-the-mortgage-process","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1585709094.jpeg","description":"When it comes to qualifying for a mortgage, one of the most important numbers lenders look at is your Debt-to-Income Ratio (DTI). It\u2019s a term that gets thrown around a lot in the mortgage world\u2014and for good reason. DTI gives lenders a snapshot of your financial health, helping them determine how much house you may be able to afford. But what exactly is it, and why does it matter so much?","pubDate":{"date":"2025-12-31 15:00:04.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2434,"title":"Create a\u00a0Vision Board for Your Home Goals","link":"https:\/\/blog.ruoff.com\/create-a-vision-board-for-your-home-goals","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_750168190.jpeg","description":"As we head into a new season, many of us start thinking about the changes we\u2019d like to make in our homes. Maybe you\u2019ve been dreaming about a refreshed living room, a brighter kitchen, or a backyard that feels like a little escape. But knowing where to begin can feel overwhelming.","pubDate":{"date":"2026-01-01 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2435,"title":"Understanding Private Mortgage Insurance (PMI): What It Is and How It Works","link":"https:\/\/blog.ruoff.com\/understanding-private-mortgage-insurance-pmi-what-it-is-and-how-it-works","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_300539192.jpeg","description":"Private Mortgage Insurance\u2014PMI for short\u2014is one of those mortgage terms that often raises eyebrows. What is it? Why do some buyers have to pay it? And how can you get rid of it?Let\u2019s break it down in plain English.","pubDate":{"date":"2026-01-07 15:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2436,"title":"Family Fun Indoors: How to Beat Cabin Fever This Winter","link":"https:\/\/blog.ruoff.com\/family-fun-indoors-how-to-beat-cabin-fever-this-winter","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_485549560.jpeg","description":"Winter is officially here! For many families, that means 
624snow days, icy mornings, and a whole lot of time indoors. While cozying up at home can be wonderful, it\u2019s easy for cabin fever to creep in, especially when kids are bouncing off the walls and routines get thrown off.","pubDate":{"date":"2026-01-08 15:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2437,"title":"What Is Loan-to-Value Ratio (LTV) and Why It Matters","link":"https:\/\/blog.ruoff.com\/what-is-loan-to-value-ratio-ltv-and-why-it-matters","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_485034808.jpeg","description":"If you've started looking into mortgages, you've probably come across the term \"Loan-to-Value Ratio\" or LTV. It might sound like just another piece of mortgage jargon, but it plays a huge role in your home financing journey.","pubDate":{"date":"2026-01-14 15:00:06.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2438,"title":"Home Fitness on a Budget: How to Create Your Own Mini Gym","link":"https:\/\/blog.ruoff.com\/home-fitness-on-a-budget-how-to-create-your-own-mini-gym","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_363203397.jpeg","description":"With a new year comes a fresh wave of motivation, especially when it comes to health and fitness. But busy schedules, packed gyms, and the rising cost of memberships can make it hard to stay consistent. The good news? You don\u2019t need a fancy setup \u2013 or even a lot of space \u2013 to get active at home.","pubDate":{"date":"2026-01-15 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2439,"title":"Ruoff Mortgage Achieves 98.5% Customer Satisfaction in 2025: Here\u2019s What That Really Means","link":"https:\/\/blog.ruoff.com\/ruoff-mortgage-achieves-98.52-customer-satisfaction-in-2025-heres-what-that-really-means","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_428264582.jpeg","description":"When it comes to buying a home, trust is everything. At Ruoff Mortgage, we know our clients aren\u2019t just signing paperwork\u2014they\u2019re sharing feedback, expectations, and experiences that help shape how we do business.","pubDate":{"date":"2026-01-21 15:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2440,"title":"Understanding a Lock-In Rate: What It Is and Why It Matters","link":"https:\/\/blog.ruoff.com\/understanding-a-lock-in-rate-what-it-is-and-why-it-matters","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_571267298.jpeg","description":"If you're in the process of buying a home or refinancing, you've probably heard the term lock-in rate tossed around. It sounds simple, but it plays a big role in how your mortgage unfolds\u2014especially in a market where interest rates can shift quickly.","pubDate":{"date":"2026-01-21 14:41:43.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2441,"title":"Why real estate agents should keep up with clients\u2019 loan status","link":"https:\/\/blog.ruoff.com\/why-a-real-estate-agent-should-keep-up-with-clients-loan-status","topic":"Referral Partners","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1533310319.jpeg","description":"In real estate, communication isn\u2019t just helpful \u2013 it\u2019s essential. When you\u2019re guiding buyers and sellers through one of the biggest financial decisions of their lives, you need timely, accurate updates at every stage of the mortgage process. Missing information can lead to confusion, delayed closings, and unnecessary stress for everyone involved.","pubDate":{"date":"2026-01-22 15:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2442,"title":"Branch Spotlight: A look inside Ruoff Mortgage's Blue Ash, Ohio Branch and how they establish trust with clients","link":"https:\/\/blog.ruoff.com\/branch-spotlight-a-look-inside-ruoff-mortgages-blue-ash-ohio-branch-and-how-they-establish-trust-with-clients","topic":"Branch Spotlight","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1142709612.jpeg","description":"The Blue Ash Ruoff Mortgage branch, located in Mason, Ohio, serves the adjoining communities of Blue Ash and Mason by helping homeowners\u2019 dreams come true. They saw an almost 10% increase in closed loans from 2024 to 2025. ","pubDate":{"date":"2026-01-28 15:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2443,"title":"What Is Escrow? A Homebuyer\u2019s Guide to How It Works","link":"https:\/\/blog.ruoff.com\/what-is-escrow-a-homebuyers-guide-to-how-it-works","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_276472551.jpeg","description":"If you\u2019re buying a home or refinancing, you\u2019ve probably heard the word \u201cescrow\u201d tossed around. It can sound like mortgage jargon, but escrow plays a key role in protecting both you and your lender. Whether you\u2019re a first-time buyer or a seasoned homeowner, understanding escrow can help you navigate your mortgage with more clarity and confidence.","pubDate":{"date":"2026-02-04 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2444,"title":"Love at First Sight? Finding a Home That Feels Right","link":"https:\/\/blog.ruoff.com\/love-at-first-sight-finding-a-home-that-feels-right","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_298321220.jpeg","description":"February is all about love. That includes heartfelt moments, meaningful connections, and finding the right match. While Valentine\u2019s Day usually brings relationships to mind, there\u2019s another kind of love worth celebrating this time of year: finding a home that truly fits.","pubDate":{"date":"2026-02-05 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2445,"title":"What Is Amortization? A Deep Dive into How Loans Are Paid Off","link":"https:\/\/blog.ruoff.com\/what-is-amortization-a-deep-dive-into-how-loans-are-paid-off","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_313448103.jpeg","description":"If you\u2019ve ever taken out a mortgage\u2014or even just looked into one\u2014you\u2019ve probably heard the word \u201camortization.\u201d It sounds technical, but at its core, amortization is all about how your loan gets paid off over time.","pubDate":{"date":"2026-02-11 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2446,"title":"Building a Home Together: A Couples\u2019 Guide to Buying with Confidence","link":"https:\/\/blog.ruoff.com\/building-a-home-together-a-couples-guide-to-buying-with-confidence","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_205511320.jpeg","description":"February is a season of partnership: shared goals, open conversations, and planning for the future. For many couples, those conversations eventually turn to homeownership. Whether you\u2019re newly married, long-term partners, or simply starting to dream about what\u2019s next, buying a home together is an exciting milestone.","pubDate":{"date":"2026-02-12 15:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2447,"title":"What Is a Conventional Loan? A Deep Dive for Homebuyers","link":"https:\/\/blog.ruoff.com\/what-is-a-conventional-loan-a-deep-dive-for-homebuyers","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_232729870.jpeg","description":"When you're exploring mortgage options, one of the first terms you'll hear is conventional loan. But what exactly does that mean\u2014and is it the right fit for your home financing journey?","pubDate":{"date":"2026-02-18 15:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2448,"title":"Real Stories, Real Homes: What Clients Say About the Mortgage Journey","link":"https:\/\/blog.ruoff.com\/real-stories-real-homes-what-clients-say-about-the-mortgage-journey","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_289054443.jpeg","description":"Winter often slows things down. The days are shorter, routines shift, and many of us spend more time reflecting on where we are and where we want to be next. For some, that reflection leads to homeownership dreams. For others, it\u2019s about finding better footing in the home they already love.","pubDate":{"date":"2026-02-19 
62415:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2449,"title":"Branch Spotlight: How Lafayette and Frankfort work together to serve their diverse communities","link":"https:\/\/blog.ruoff.com\/branch-spotlight-how-lafayette-and-frankfort-work-together-to-serve-their-diverse-communities","topic":"Branch Spotlight","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_370453090.jpeg","description":"The Ruoff Mortgage Lafayette branch, and its satellite branch in Frankfort, work together to help turn homebuyers\u2019 goals into reality every day. Serving the Tippecanoe and Clinton counties, both cities of Lafayette and Frankfort, Indiana offer booming job and real estate markets, excellent schools, and a variety of nearby sports and entertainment.","pubDate":{"date":"2026-02-25 15:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2450,"title":"What Are Gift Funds? A Deep Dive for Homebuyers","link":"https:\/\/blog.ruoff.com\/what-are-gift-funds-a-deep-dive-for-homebuyers","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_630261969.jpeg","description":"When it comes to buying a home, one of the biggest hurdles for many borrowers is the upfront cost\u2014specifically, the down payment and closing costs. That\u2019s where gift funds can come in and make a huge difference.","pubDate":{"date":"2026-02-25 15:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2451,"title":"What Credit Score Do I Need to Buy a House?","link":"https:\/\/blog.ruoff.com\/what-credit-score-do-i-need-to-buy-a-house-1","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_41972252.jpeg","description":"If you\u2019re thinking about buying a home, one of the first numbers you\u2019ll hear about is your credit score. And for good reason \u2013 it\u2019s a key factor lenders use when evaluating your mortgage application. But what score do you actually need to qualify? The answer isn\u2019t one-size-fits-all.","pubDate":{"date":"2026-03-04 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2452,"title":"Spring Cleaning Your Finances: 6 Ways to Get Mortgage-Ready","link":"https:\/\/blog.ruoff.com\/spring-cleaning-your-finances-6-ways-to-get-mortgage-ready","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_250998480.jpeg","description":"It\u2019s almost the official start of spring! While many of us are looking forward to the snow melting and warmer days ahead, spring is also known as a season of fresh starts. After a long winter indoors, there\u2019s something refreshing about tidying up, organizing, and clearing out the clutter. It can truly feel like a breath of fresh air.","pubDate":{"date":"2026-03-05 14:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2453,"title":"How Much Do I Need for a Down Payment? A Real-World Guide for Homebuyers","link":"https:\/\/blog.ruoff.com\/how-much-do-i-need-for-a-down-payment-a-real-world-guide-for-homebuyers","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_460442231.jpeg","description":"One of the biggest questions I hear from home buyers, especially first-timers, is: \"How much do I need for a down payment?\"","pubDate":{"date":"2026-03-11 13:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2454,"title":"First Time at Ruoff Music Center? Here\u2019s Everything You Need to Know","link":"https:\/\/blog.ruoff.com\/first-time-at-ruoff-music-center-heres-everything-you-need-to-know","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_299308588.jpeg","description":"Your first show at Ruoff Music Center? You\u2019re in for a night you won\u2019t forget. From tailgating in the parking lot to that moment the lights go down, it\u2019s all part of the experience.","pubDate":{"date":"2026-03-09 21:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2455,"title":"How It All Got Started: The History of Ruoff Music Center","link":"https:\/\/blog.ruoff.com\/how-it-all-got-started-the-history-of-ruoff-music-center","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_211599241.jpeg","description":"Long before the lawn chairs, sold-out shows, and summer tailgates, Ruoff Music Center began with a bold idea: bring world-class live music to Central Indiana in a big way.","pubDate":{"date":"2026-03-06 18:30:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2456,"title":"These Notable Acts Performed at Ruoff Music Center, Shaping Its Legacy","link":"https:\/\/blog.ruoff.com\/these-notable-acts-performed-at-ruoff-music-center-shaping-its-legacy","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_88389257.jpeg","description":"Since opening in 1989, Ruoff Music Center has hosted some of the most legendary names in music. From historic first performances to record-breaking summer tours, the artists who\u2019ve taken this 
624stage haven\u2019t just played shows \u2013 they\u2019ve shaped the venue\u2019s identity.","pubDate":{"date":"2026-03-04 21:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2457,"title":"Tax Season & Your Mortgage: How Your Refund Could Help You Reach Your Home Goals","link":"https:\/\/blog.ruoff.com\/tax-season-your-mortgage-how-your-refund-could-help-you-reach-your-home-goals","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_136351203.jpeg","description":"Tax season is just around the corner. While it may not be the most exciting time of year, there\u2019s one part many people look forward to \u2013 receiving a refund. If you\u2019re expecting one this year and wondering how to use it wisely, your tax refund could be a powerful tool in helping you move closer to your homeownership goals.","pubDate":{"date":"2026-03-12 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2458,"title":"What Types of Mortgages Are There? A Deep Dive for Homebuyers","link":"https:\/\/blog.ruoff.com\/what-types-of-mortgages-are-there-a-deep-dive-for-homebuyers","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_330780507.jpeg","description":"If you\u2019re getting serious about buying a home \u2013 or even just starting to explore the possibility \u2013 you\u2019ve probably realized there\u2019s more than one kind of mortgage out there. And while it might seem overwhelming at first, understanding the different mortgage types is key to choosing the loan that fits you best.","pubDate":{"date":"2026-03-18 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2459,"title":"Spring Forward: Is March the Right Time to Buy or Refinance?","link":"https:\/\/blog.ruoff.com\/spring-forward-is-march-the-right-time-to-buy-or-refinance","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_362274361.jpeg","description":"Spring is a great time to buy or refinance. If you\u2019ve been considering making a move, March can be the perfect time to take action.","pubDate":{"date":"2026-03-19 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2460,"title":"How Do I Get Pre-Approved for a Mortgage?","link":"https:\/\/blog.ruoff.com\/how-do-i-get-pre-approved-for-a-mortgage","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_422136062.jpeg","description":"If you're thinking about buying a home, you've probably heard the term \"pre-approval\" thrown around a lot. And for good reason \u2013 it\u2019s a key step in the homebuying process. But what does getting pre-approved actually involve? And how do you go about it without feeling overwhelmed?","pubDate":{"date":"2026-03-25 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2461,"title":"Branch Spotlight: With rich town history, the Niles Ruoff team offers small town charm with convenient access to city accommodations.","link":"https:\/\/blog.ruoff.com\/branch-spotlight-with-rich-town-history-the-niles-ruoff-team-offers-small-town-charm-with-convenient-access-to-city-accommodations","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_269859726.jpeg","description":"With a rich historical background, a 30-minute drive to Lake Michigan\u2019s shoreline, and a 90-minute drive to Chicago, Niles, Michigan offers the heart of a small town with a fascinating, deeply rooted history and the convenience of a nearby major city. The Niles Ruoff Mortgage branch is proud to serve the community of Niles and the surrounding Berrien County area, having helped 129 families in 2025 get a new mortgage, closing 26 million in loans.","pubDate":{"date":"2026-03-25 13:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2462,"title":"From Dreaming to Doing: How to Turn Spring Home Goals Into a Game Plan","link":"https:\/\/blog.ruoff.com\/from-dreaming-to-doing-how-to-turn-spring-home-goals-into-a-game-plan","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_444757241.jpeg","description":"Do your spring home goals include buying a new house? Have you been dreaming about more space, a better neighborhood, or even a better monthly payment through refinancing?","pubDate":{"date":"2026-03-26 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}}
624,{"id":2463,"title":"How do mortgage rates impact my monthly payment?","link":"https:\/\/blog.ruoff.com\/how-do-mortgage-rates-impact-my-monthly-payment","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_966370046.jpeg","description":"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 payment often get the most attention, your interest rate plays a major role in determining your monthly payment and your long-term financial picture.","pubDate":{"date":"2026-04-01 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2464,"title":"Celebrate Earth Day: Eco-Friendly Upgrades That Make a Difference","link":"https:\/\/blog.ruoff.com\/celebrate-earth-day-eco-friendly-upgrades-that-make-a-difference","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_299724098.jpeg","description":"Earth Day. A day where Kermit the Frog\u2019s \u201cIt isn\u2019t easy being green\u201d takes on a whole new meaning. While being green isn\u2019t always easy, there are simple steps you can take at home that truly make a difference.","pubDate":{"date":"2026-04-02 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2465,"title":"What down payment assistance programs are there at Ruoff Mortgage?","link":"https:\/\/blog.ruoff.com\/what-down-payment-assistance-programs-are-there-at-ruoff-mortgage","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_107328853.jpeg","description":"For many homebuyers, especially first-time buyers, the biggest obstacle isn\u2019t qualifying for a loan\u2014it\u2019s coming up with the upfront cash. Fortunately, Ruoff Mortgage offers several down payment assistance (DPA) options designed to make homeownership more achievable.","pubDate":{"date":"2026-04-08 13:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2466,"title":"Outdoor Living Season Is Back: Get Your Patio, Porch, or Backyard Ready for Spring","link":"https:\/\/blog.ruoff.com\/outdoor-living-season-is-back-get-your-patio-porch-or-backyard-ready-for-spring","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_779848659.jpeg","description":"After a cold and harsh winter, many of us are eager to get outside and soak up some sunshine. It\u2019s the time of year for front porch coffee, backyard games with the kids, and quiet evenings on the patio.","pubDate":{"date":"2026-04-09 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2467,"title":"What are the requirements for VA loans?","link":"https:\/\/blog.ruoff.com\/what-are-the-requirements-for-va-loans","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_617951689.jpeg","description":"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. Department of Veterans Affairs, offers a solution that is both flexible and affordable. In addition, Ruoff Mortgage does not charge lender fees on VA loans. This loan type is specially designed to meet the unique needs of our military personnel, providing them with an opportunity to own a home without the usual hurdles. ","pubDate":{"date":"2026-04-15 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2468,"title":"Rainy Day Reset: Cozy Ways to Enjoy Home During April Showers","link":"https:\/\/blog.ruoff.com\/rainy-day-reset-cozy-ways-to-enjoy-home-during-april-showers","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_692608214.jpeg","description":"April showers are here. While rainy days might keep you indoors, they also offer the perfect excuse to slow down, reset, and enjoy the comfort of home.","pubDate":{"date":"2026-04-16 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2469,"title":"Understanding FHA Loans: A Gateway to Homeownership","link":"https:\/\/blog.ruoff.com\/understanding-fha-loans-a-gateway-to-homeownership","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_588329820.jpeg","description":"Homeownership often feels like a distant dream, especially for those with financial hurdles. However, an FHA loan could be the key to unlocking the doors to your dream home. Let's break down what an FHA loan 
624is and why it might be the right choice for you.","pubDate":{"date":"2026-04-22 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2470,"title":"Hosting Season Starts Now: Simple Tips for the Perfect Spring Get-Together","link":"https:\/\/blog.ruoff.com\/hosting-season-starts-now-simple-tips-for-the-perfect-spring-get-together","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_211269671.jpeg","description":"From backyard brunches to casual patio nights, spring is the perfect time to open your doors and bring people together.","pubDate":{"date":"2026-04-23 14:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2471,"title":"Branch Spotlight: New Albany, Ohio branch draws in homeowners with highly ranked schools, safe neighborhoods, and a strong sense of community.","link":"https:\/\/blog.ruoff.com\/branch-spotlight-new-albany-ohio-branch-draws-in-homeowners-with-highly-ranked-schools-safe-neighborhoods-and-a-strong-sense-of-community","topic":"Branch Spotlight","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_524049368.jpeg","description":"The Ruoff Mortgage New Albany branch prides itself in serving hundreds of families, funding millions of dollars in home loans, and hosting and participating in dozens of community and referral partner events every year. They work to help turn homebuyers\u2019 goals into reality every day. A suburb of Columbus, it is easy to see why it has been ranked as America\u2019s number one suburb.","pubDate":{"date":"2026-04-29 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2472,"title":"How much mortgage can I afford?","link":"https:\/\/blog.ruoff.com\/how-much-mortgage-can-i-afford","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_654310589.jpeg","description":"One of the first and most important questions in the homebuying journey is: how much mortgage can I afford? While lenders can provide pre-approval amounts, understanding your personal comfort level is just as important.","pubDate":{"date":"2026-04-29 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2473,"title":"Open the Windows: Why May Is the Perfect Time to Refresh Your Home\u2019s Air & Light","link":"https:\/\/blog.ruoff.com\/open-the-windows-why-may-is-the-perfect-time-to-refresh-your-homes-air-light","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_281642915.jpeg","description":"After months of closed windows, heavy fabrics, and stale winter air, May arrives like a breath of fresh\u2026well, air. It\u2019s the perfect time to reset your home\u2026 not with a full renovation, but with a few simple changes that make everything feel lighter, brighter, and brand new.","pubDate":{"date":"2026-04-30 14:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2474,"title":"How Long Does the Mortgage Process Take? Here\u2019s What to Expect","link":"https:\/\/blog.ruoff.com\/how-long-does-the-mortgage-process-take-heres-what-to-expect","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_211826944.jpeg","description":"One of the first questions many homebuyers ask is simple: How long does the mortgage process take?","pubDate":{"date":"2026-05-06 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2475,"title":"Spring Wardrobe Swap Meets Home Organization: Where to Store What (and Why It Matters)","link":"https:\/\/blog.ruoff.com\/spring-wardrobe-swap-meets-home-organization-where-to-store-what-and-why-it-matters","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_488146618.jpeg","description":"As the seasons shift, so do our routines, and our closets. May is the perfect time to swap out heavy winter layers for lighter, brighter pieces. But a seasonal wardrobe change isn\u2019t just about clothing. It\u2019s an opportunity to refresh your entire home\u2019s organization.","pubDate":{"date":"2026-05-07 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2476,"title":"Why Closing Day is Crucial in Your Home Buying or Refinancing Journey","link":"https:\/\/blog.ruoff.com\/why-closing-day-is-crucial-in-your-home-buying-or-refinancing-journey","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_162955460.jpeg","description":"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 finalized, ownership transfers to the buyer, and loan funds are disbur
624sed. But why is this day so pivotal? Let\u2019s dive deeper.","pubDate":{"date":"2026-05-13 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2477,"title":"What Buyers Notice First in Spring (Even If You\u2019re Not Selling Yet)","link":"https:\/\/blog.ruoff.com\/what-buyers-notice-first-in-spring-even-if-youre-not-selling-yet","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_600906336.jpeg","description":"Spring has a way of highlighting everything, both the good and the overlooked, when it comes to your home.","pubDate":{"date":"2026-05-14 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2478,"title":"How to Calculate Your Mortgage Payment (Without the Guesswork)","link":"https:\/\/blog.ruoff.com\/how-to-calculate-your-mortgage-payment-without-the-guesswork","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_276136334.jpeg","description":"If you\u2019re thinking about buying a home, one of the first questions you\u2019ll ask is: What will my monthly mortgage payment be?","pubDate":{"date":"2026-05-20 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2479,"title":"Small Fixes, Big Impact: The Most Overlooked Home Touch-Ups to Do This Month","link":"https:\/\/blog.ruoff.com\/small-fixes-big-impact-the-most-overlooked-home-touch-ups-to-do-this-month","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_209622116.jpeg","description":"Not every home improvement project needs to be a major renovation. In fact, some of the most impactful updates are also the easiest to overlook.","pubDate":{"date":"2026-05-21 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2480,"title":"Branch Spotlight: Southwest Fort Wayne offers quiet suburbs, community with quick access to downtown fun.","link":"https:\/\/blog.ruoff.com\/branch-spotlight-southwest-fort-wayne-offers-quiet-suburbs-community-with-quick-access-to-downtown-fun","topic":"Branch Spotlight","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_626663707.jpeg","description":"The Ruoff Mortgage Southwest Fort Wayne (SWFW) branch, located at Ruoff\u2019s corporate headquarters, serves the community of the Southwest and Aboite area, which consistently rank among Fort Wayne's top places to live for its balance of growth, stability, and lifestyle.","pubDate":{"date":"2026-05-27 13:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2481,"title":"Understanding Reverse Mortgages: A Retirement Tool","link":"https:\/\/blog.ruoff.com\/understanding-reverse-mortgages-a-retirement-tool","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_54120953.jpeg","description":"Reverse mortgages offer homeowners aged 62 and over a unique opportunity to convert home equity into cash. Unlike traditional mortgages, you don't have to make monthly payments. Instead, the loan is repaid when you move, sell, or pass away. This can be a significant relief for those on a fixed income or with limited retirement savings.","pubDate":{"date":"2026-05-27 13:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2482,"title":"Bring the Outside In: Easy Ways to Add Natural Elements to Your Home This Month","link":"https:\/\/blog.ruoff.com\/bring-the-outside-in-easy-ways-to-add-natural-elements-to-your-home-this-month","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_277664715.jpeg","description":"There\u2019s something about May that makes you want to spend more time outside\u2014but what if you could bring that same feeling indoors?","pubDate":{"date":"2026-05-28 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2483,"title":"How Long Does a Mortgage Pre-Approval Last?","link":"https:\/\/blog.ruoff.com\/how-long-does-a-mortgage-pre-approval-last","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_223576354.jpeg","description":"Getting pre-approved is one of the most important first steps in the homebuying journey \u2013 but many buyers don\u2019t realize it comes with a time limit.","pubDate":{"date":"2026-06-03 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2484,"title":"Dad-Approved Home Upgrades for Father's Day: Simple Home Projects That Make Life Easier","link":"https:\/\/blog.ruoff.com\/dad-approved-home-upgrades-for-fathers-day-simple-home-projects-that-make-life-easier","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1951961974.jpeg","description":"Father\u2019s Day is the perfect excuse to show a little extra appreciation. And what better way than with home upgrades that make everyday life easier? Whether you\u2019re celebrating a new homeowner, a seasoned DIYer, or just someone who loves a well-organized space, these simple, practical projects are \u201cdad-approved\u201d for a reason.","pubDate":{"date":"2026-06-04 13:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2485,"title":"Understanding Gift Funds in the Home Buying Process","link":"https:\/\/blog.ruoff.com\/understanding-gift-funds-in-the-home-buying-process","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_377694536.jpeg","description":"Buying a home is a significant milestone, and for many, it involves gathering enough funds for a down payment and closing costs. One 
624common way to boost these funds is through gift funds from family or close friends. But, while receiving this financial help is fantastic, it comes with its own set of rules and requirements.","pubDate":{"date":"2026-06-10 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2486,"title":"Summer Starts at Home: Easy Ways to Create a Backyard You\u2019ll Actually Use","link":"https:\/\/blog.ruoff.com\/summer-starts-at-home-easy-ways-to-create-a-backyard-youll-actually-use","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_459416905.jpeg","description":"There\u2019s something about summer that makes home feel a little more special\u2026 longer days, warmer nights, and more reasons to gather outside. The good news? You don\u2019t need a full backyard makeover to create a space you actually want to spend time in.","pubDate":{"date":"2026-06-11 14:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2487,"title":"Can You Buy a Home with Student Loan Debt?","link":"https:\/\/blog.ruoff.com\/can-you-buy-a-home-with-student-loan-debt","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_506812064.jpeg","description":"If you\u2019re carrying student loan debt, you\u2019re not alone\u2014and you\u2019re definitely not out of the running for homeownership.","pubDate":{"date":"2026-06-17 14:00:03.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2488,"title":"The Mid-Year Home Check-In:\u00a05 Things to Refresh Before Summer Gets Busy","link":"https:\/\/blog.ruoff.com\/the-mid-year-home-check-in-5-things-to-refresh-before-summer-gets-busy","topic":"House to Home","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_583318384.jpeg","description":"Summer has a way of filling up fast. From vacations, cookouts, long weekends, and everything in between. Before your schedule gets packed, now is the perfect time for a quick mid-year home check-in.","pubDate":{"date":"2026-06-18 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2489,"title":"I Want to Buy a Home. Where Should I Start?","link":"https:\/\/blog.ruoff.com\/i-want-to-buy-a-home.-where-should-i-start","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/Screenshot%202026-05-14%20110202.png","description":"If you\u2019re thinking about buying a home, you\u2019re probably asking the same question many first-time (and even repeat) buyers ask: where do I begin?","pubDate":{"date":"2026-06-24 14:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2490,"title":"Branch Spotlight: Diving into Ruoff's Internship Program","link":"https:\/\/blog.ruoff.com\/branch-spotlight-diving-into-ruoffs-internship-program","topic":"Branch Spotlight","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1049364600.jpeg","description":"Ruoff Mortgage\u2019s rich and deep connections to its employees begins at the start of most people\u2019s careers: internships. Fortunately, Ruoff\u2019s internship program is focused on the betterment of the interns themselves, teaching them intangible skills that apply to any field of work. ","pubDate":{"date":"2026-06-24 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2491,"title":"School\u2019s Out, Now What? Creating Kid-Friendly Spaces at Home for Summer","link":"https:\/\/blog.ruoff.com\/schools-out-now-what-creating-kid-friendly-spaces-at-home-for-summer","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_205117192.jpeg","description":"When school\u2019s out, routines shift, and suddenly your home becomes the hub for everything: playtime, snack time, downtime, and (let\u2019s be honest) a little bit of chaos.","pubDate":{"date":"2026-06-25 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2492,"title":"How To Throw a Fun and Safe Fourth of July Party:","link":"https:\/\/blog.ruoff.com\/how-to-throw-a-fun-and-safe-fourth-of-july-party","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_436232809.jpeg","description":"Celebrating America\u2019s birthday has held firm as a staple of the American pastime, and continuing with the 250th anniversary should be no different. But, how can homeowners celebrate while ensuring the safety of others, and their homes? We\u2019ve all seen the videos: a firework flies off-course into a window, somebody forgets they\u2019re holding a Roman candle, or an unsuspecting 
624kiddo gets into something they aren\u2019t supposed to. Read on to prevent these, and more, from happening, while creating an inviting and festive environment. \u00a0","pubDate":{"date":"2026-07-02 14:00:03.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2493,"title":"Should I Get a 30 Year Mortgage?","link":"https:\/\/blog.ruoff.com\/should-i-get-a-30-year-mortgage","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_219710464.jpeg","description":"When diving into the world of home loans, one option that often stands out is the 30-year mortgage. It\u2019s a popular choice, but why do so many people gravitate towards it? Let\u2019s explore some of the key reasons.","pubDate":{"date":"2026-07-08 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2494,"title":"Why a Lake House Could be For You:","link":"https:\/\/blog.ruoff.com\/why-a-lake-house-could-be-for-you","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_101971848.jpeg","description":"Lakes, and lake culture for that matter, are an integral part of the midwest experience. Boating, fishing, swimming, barbecues, fireworks, golf carts; all of these things define what a lake house provides. Lake houses are unique, in that they don\u2019t depend on square feet to drive their value. Oftentimes, lakefront housing holds immense value because of variables like water quality, lake access, dock access, and views from the house. These attributes speak to the lifestyle of the \u201cLake House\u201d, being by, or on, the water rather than in the house itself. ","pubDate":{"date":"2026-07-10 15:12:21.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2495,"title":"Should I Refinance My Mortgage?","link":"https:\/\/blog.ruoff.com\/should-i-refinance-my-mortgage","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_300539192-1.jpeg","description":"Deciding to refinance your mortgage can feel like a big decision, but it\u2019s one that many homeowners face at some point. So, how do you know if it\u2019s right for you?","pubDate":{"date":"2026-07-15 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2496,"title":"Patio vs. Deck: Which is For You?","link":"https:\/\/blog.ruoff.com\/patio-vs.-deck-which-is-for-you","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1928801417.jpeg","description":"To elevate or not to elevate?: This question has been ingrained in the minds of home improvers around the nation for years. The National Association of Home Builders analyzed single-family homes built in 2024, and they found that 61.8% of them included patios, a decrease from 2023\u2019s 63.7%. ","pubDate":{"date":"2026-07-16 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2497,"title":"What Does a Mortgage Calculator Help With?","link":"https:\/\/blog.ruoff.com\/what-does-a-mortgage-calculator-help-with","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1541424507.jpeg","description":"\u00a0Understanding the Benefits of a Mortgage Calculator \u00a0","pubDate":{"date":"2026-07-22 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2498,"title":"How To Keep Your Lawn Vibrant and Bright this Summer","link":"https:\/\/blog.ruoff.com\/how-to-keep-your-lawn-vibrant-and-bright-this-summer","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_370958507.jpeg","description":"A task that has harped on the chords of 15 year olds around suburban America, mowing, and your lawn, plays an important role in your home\u2019s total value. 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","pubDate":{"date":"2026-07-29 14:00:03.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2500,"title":"Simplifying the 30% Home Remodeling Rule:","link":"https:\/\/blog.ruoff.com\/simplifying-the-30-home-remodeling-rule","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_243914354.jpeg","description":"The seasons have changed from rainy to dry, and thus, remodeling season is upon us. Considering this, it\u2019s particularly pertinent to know the basics behind the financials of renovation. A renovation project can sound like a daunting task, but, by following this rule, projects can be made streamlined with clear financial parameters. ","pubDate":{"date":"2026-07-31 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2501,"title":"When To Get a Home Equity Loan","link":"https:\/\/blog.ruoff.com\/when-to-get-a-home-equity-loan","topic":"Finances","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_170554793.jpeg","description":"Tapping into your home\u2019s equity can be a savvy financial move, but timing is everything. A home equity loan allows you to borrow against the value of your home, typically offering lower interest rates compared to personal loans or credit cards. 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","pubDate":{"date":"2026-08-14 19:21:31.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2505,"title":"Should You Audit the Energy in Your Home?","link":"https:\/\/blog.ruoff.com\/should-you-audit-the-energy-in-your-home","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_369271006.jpeg","description":"Ever feel like your utility bills are higher than they should be? Or maybe your home is just never the right temperature, no matter what you do. If so, it might be time to consider an energy audit. 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","pubDate":{"date":"2026-08-20 14:00:05.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2507,"title":"How to Be Smart with Collateral","link":"https:\/\/blog.ruoff.com\/how-to-be-smart-with-collateral","topic":"","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_223575912.jpeg","description":"Understanding collateral can be a game-changer in your mortgage journey. It\u2019s not just a term thrown around in banker meetings; it\u2019s a crucial element of your financial strategy. Here's how you can be smart with it.","pubDate":{"date":"2026-08-26 14:00:03.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2508,"title":"Pets Home Alone More? Here are Some Ideas","link":"https:\/\/blog.ruoff.com\/pets-home-alone-more-here-are-some-ideas","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_1985598655.jpeg","description":"\u00a0","pubDate":{"date":"2026-08-27 13:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2509,"title":"Understanding HOA Fees and Their Impact on Home Financing","link":"https:\/\/blog.ruoff.com\/understanding-hoa-fees-and-their-impact-on-home-financing","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_146194093.jpeg","description":"For many homeowners in managed communities, HOA fees are a familiar line item in their monthly budget. These fees cover shared services like landscaping, maintenance, and community amenities, ensuring the neighborhood remains an attractive and well-maintained place to live. 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","pubDate":{"date":"2026-09-03 14:00:00.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2511,"title":"Understanding the Role of a Co-Borrower in Home Buying","link":"https:\/\/blog.ruoff.com\/understanding-the-role-of-a-co-borrower-in-home-buying","topic":"Mortgage 101","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_166798400.jpeg","description":"When it comes to buying a home, the concept of a co-borrower often comes into play, especially for those looking to strengthen their mortgage application. 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624spice again.","pubDate":{"date":"2026-09-10 14:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2513,"title":"Exploring Refinance Options: A Smart Way to Secure Better Terms","link":"https:\/\/blog.ruoff.com\/exploring-refinance-options-a-smart-way-to-secure-better-terms","topic":"Refinancing","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_300539192-1.jpeg","description":"As a homeowner, you might have heard about refinancing but felt overwhelmed by the options available. Today, we're diving into a specific refinance type that's both practical and strategic. One that allows you to refinance your mortgage while taking out a small amount of cash or covering closing costs.","pubDate":{"date":"2026-09-16 14:00:02.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2514,"title":"The Ultimate Fall Bucket List: 10 Things to Do This Season","link":"https:\/\/blog.ruoff.com\/the-ultimate-fall-bucket-list-10-things-to-do-this-season","topic":"Lifestyle","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_285097348.jpeg","description":"Fall will officially be here on September 22, and that means it's time to make the most of crisp mornings, colorful leaves, cozy sweaters, and all the traditions that make this season so special.","pubDate":{"date":"2026-09-17 14:00:01.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}},{"id":2515,"title":"Understanding Contingency Clauses in Real Estate Contracts","link":"https:\/\/blog.ruoff.com\/understanding-contingency-clauses-in-real-estate-contracts","topic":"Homebuying","backgroundImage":"https:\/\/blog.ruoff.com\/hubfs\/AdobeStock_235889550.jpeg","description":"When diving into the home buying process, a few terms often pop up that can sound a bit intimidating. One of those is the contingency clause. But once you understand its purpose, you'll see it's more of a safety net than a hurdle.","pubDate":{"date":"2026-09-23 13:59:59.000000","timezone_type":3,"timezone":"America\/Indiana\/Indianapolis"}}];
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