The Ruhl Blog

Fixed-rate Mortgages Fall to 6-Month Lows

Local lenders saw rates on 30-year and 15-year, fixed-rate mortgages move to a six-month low this past week, an important factor in the housing market recovery. Jane Schneider, President of 1862 Mortgage, said rates have slipped again presenting a great opportunity for buyers, as well as those ready to refinance. The average 30-year fixed-rate...

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How To Make An Offer that Will Be Accepted

You have finally found the house of your dreams. It is priced right and is receiving a lot of attention from other buyers. You don’t want to miss this opportunity so you are ready to put in an offer with the real estate agent immediately. What can you do to guarantee your offer is the one accepted? Financially, offers can be broken down into...

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Mortgage Insurance Cancellation: The Myths and Realities

When it comes to private mortgage insurance (MI), there are several myths that exist that make buyers reluctant to consider a conventional loan with MI as an option when purchasing a home. One of the more common misconceptions is that cancelling MI is a difficult—not to mention time-consuming—process. The irony is that the majority of buyers...

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Ruhl&Ruhl REALTORS Sponsors THE Quad City Marathon

Ruhl&Ruhl REALTORS is proudly sponsoring the 2011 Quad Cities marathon! The marathon will consist of 5 different races and all proceeds will benefit the Erika Kate foundation and US Too prostate cancer education and support group. “We are thrilled to be a part of this exciting event,” said Caroline Ruhl, President of Ruhl&Ruhl REALTORS....

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Ruhl&Ruhl REALTORS to Host FREE Career Seminar

Did you know that you may possess talents very similar to our most successful agents and not even know it?  Join Ruhl&Ruhl REALTORS on Thursday, June 16th as they host a free Real Estate Career Seminar from 7:00–8:30 p.m. at its Moline office, located at 1702 – 52nd Avenue, Moline, Illinois.      This seminar will focus on selling...

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Should You Rent or Buy in this Market?

Families are trying to determine whether or not now is the time to buy a home. Some are advising these families to sit out the current real estate market and instead rent for the next year or two. We do not agree with this advice. Homeownership means a lot to a family. We also realize that the financial aspects of purchasing a home today can be...

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Why You Need a True Professional to Sell Your Home

Many people ask us whether they should hire an agent to sell their home or whether they should first try as a For Sale by Owner (FSBO). In today’s volatile market, we believe this is an easy decision: you need an experienced professional! You need an expert guide if you are traveling a dangerous path The field of real estate is loaded with...

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Will Falling Values Lead to More Strategic Defaults?

As prices continue to soften, more and more homeowners will fall into a position of negative equity on their homes. This means that the balance on their mortgage is greater than the value of their home. The reason this is important is that people are more prone to strategically default on their mortgage when ‘underwater’. What is a strategic...

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Brent and Sara Scogland

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Bettendorf Office

1228 Middle Road
Bettendorf, IA 52722