Ruhl Blog | Ruhl & Ruhl Realtors

Homeowner’s Net Worth Is Still Greater Than a Renter’s

Tuesday, August 22, 2017

Every three years, the Federal Reserve conducts their Survey of Consumer Finances in which they collect data across all economic and social groups. The latest survey, which includes data from 2010-2013, reports that a homeowner’s net worth is 36 times greater than that of a renter ($194,500 vs. $5,400).

The latest survey data, covering 2014-2016 will be released later this year. In the meantime, Lawrence Yun, the National Association of Realtors’ Chief Economist
estimates that the gap has widened even further, to 45 times greater ($225,000 vs. $5,000)!

Put Your Housing Cost to Work for You
As we’ve said
before, simply put, homeownership is a form of ‘forced savings.’ Every time you pay your mortgage, you are contributing to your net worth. Every time you pay your rent, you are contributing to your landlord’s net worth.

The
latest National Housing Pulse Survey from NAR reveals that 84% of consumers believe that purchasing a home is a good financial decision. William E. Brown comments:

“Despite the growing concern over affordable housing, this survey makes it clear that a strong majority still believe in homeownership and aspire to own a home of their own. Building equity, wanting a stable and safe environment, and having the freedom to choose their neighborhood remain the top reasons to own a home.”


Bottom Line
If you are interested in finding out if you could put your housing cost to work for you by purchasing a home,
contact us today! (866)441-1776


5 Things to Look for in Your First Home

Thursday, August 17, 2017

If you decide the time is right, here are some key things to look for in your first home.

Price Tag
It is essential to know how much your first home will cost. If you’re unsure about how to get this right, contact a reputable real estate agent.

Property Issues
A thorough inspection is a must if you want a realistic view of the good, bad and worst side of the house. After all, it’s hard-earned money you’re investing here.

Proper Lawn and Garden
Trees provide more than just shade and cool air for your home; they also filter water and air to reduce soil erosion and greenhouse gases. Plus, your energy bills all year round will be significantly reduced if you let Mother Nature help you out a bit.

A Long-Term Stay
If you cannot see yourself staying here for a good five to ten years, it may not be worth the expensive down payment or mortgage expenses and can even put you in financial ruin.

Neighborhood Culture
Home values are greatly affected by the kind of neighborhood it belongs to. You want your first home to be in an area where crime rate is at a minimum, public facilities are just a stone’s throw away, and potential neighbors feel pride in their ownership of their own homes.


Your Ruhl&Ruhl Realtor can identify and recognize if the property you’re interested in has these factors. They will be able to tell you whether your house is a hot deal or not worth your money. It’s your fundamental right to know if your first home is the right place for you and your loved ones.

Contact us today to be put in touch with a Ruhl&Ruhl Realtor so you can find your dream home with all the right features. (866)441-1776


Condo Sales Set the Pace in New Construction Market

Thursday, August 10, 2017

Regional MLSs report a YTD increase of 7% in new home sales, energized by an 18% increase in the sale of new condos. New house sales were up 1% for the same period.  Sales increases were accompanied by an 11% decline in available inventory.  Some of the lower inventory numbers can be explained by current sales of older inventory and the continued popularity of pre-sold homes at mid-to-higher price points.  Pre-sold homes rarely show up as inventory and are often not reported to the MLSs until the time of closing.

Iowa City leads the region with a 5 to 1 ratio of existing vs. new home sales.  The YTD regional average  is 9.3 to 1.

Prices trends continue upward, as illustrated in the charts below:

Houses

YTD 2017

YTD 2016

YTD 2015

Below $300K

35%

34%

44%

$300 - $400K

36%

43%

32%

Above $400K

29%

23%

24%

Condos

YTD 2017

YTD 2016

YTD 2015

Below $200K

43%

43%

66%

$200 - $300K

42%

43%

29%

Above $300K

15%

14%

5%

Following is a brief summary of activity in major market areas:

CEDAR RAPIDS:  This market segment reported the highest sales gain in the region at 22%. House sales were up 17% while condos were up 30%.  These sales consumed some standing inventory, resulting in that figure dropping 17%.  Nearly 50% of area house sales were below $300K and 56% of condos were under $200K, making Cedar Rapids the most affordable new home market in the region.

DUBUQUE:  Sales are off to a slower start than last year, down 15% YTD.  However, with inventory up 25%, both new houses and condos are more available in the market.  Curiously, house sales below $225K are up 75%, but condo sales of the same price are down 40% YTD.

IOWA CITY:  Condo sales are up 20% YTD, which has helped overcome a 5% drop in house sales and netted the area a 5% unit increase.   The outlying areas combined for a 62% increase in sales, while Iowa City saw no change, North Liberty suffered a 14% loss and Coralville-Tiffin saw a 9% increase in unit sales.  Iowa City and Coralville-Tiffin each accounted for 1/3 of the area market share in sales.  However, Iowa City represents nearly 60% of all new homes inventory.   Area inventory is up 5% vs. last year.  

QUAD CITIES:  Both house and condo sales showed modest gains, combining for a 3.5% increase, while inventory grew 4%.  50% of houses sold in Scott County were above $400K and 47% of condos sold were above $300K, making this the least affordable market segment in the region.  Rock Island County sales, while increased, were primarily below $400K.  There have been no MLS reported condo sales in over 12 months.

New developments across the region continue to reflect growing confidence on the part of builders, developers and consumers.  It will never be more affordable to “Build Your Dream”!


Eight Things Homesellers Risk When They For Sale By Owner

Sunday, August 06, 2017

There are a few things throughout your life where you should put your trust in a professional. You may want to think twice before you perform your own root canal, as there are plenty of risks involved when you’re not properly trained for the job. Believe it or not, there are lots of risks involved when you choose to sell your home without a professional Ruhl&Ruhl Realtor as well.

Knowledge
Your Ruhl&Ruhl Realtor’s knowledge is priceless. Just like your dentist, your agent is a local expert in their field. He or she went to classes for their craft, and takes continuing education to ensure they are up to date on important information. Your Realtor can provide important insight on disclosures, building codes, and so much more that consumers can’t access online alone. He or she will ensure that a seller is fully prepared before the home even hits the market.

Time
Will selling your home be your full time job? Will you be able to show your home at a moment’s notice? Will you be able to manage buyer and agent questions, concerns and objections throughout the day? Will you be available for inspections, potential vendors to visit and update the property, assessors, visits to the lawyer, and any other issues that may pop up along the way?

Presentation
Do you know what small improvements could be made to your home so that it will sell? Are you actually making unnecessary improvements? Do you know the best contacts for professional photography or interior decorating to truly make your home stand out?

Marketing
As we mentioned before, your Realtor is a local expert. They have access to statistics on the local market trends, and can tell you everything about the buyer demographic for your home. Knowing the buyer demographic means they will also know exactly how to market your home to get it sold quickly.

Negotiation Experience
As a seller, you may have only seen one purchase agreement in your life. (The one for the house you currently own). So when you receive an offer, what are you looking for? Will you need to pay a lawyer to help you go over terms and conditions that could be disadvantageous?

Do you know how to walk the tight line between keeping your interests in mind while keeping the buyer interested? An agent’s negotiation skills are key here because not only do they know exactly how to read an offer, but they can also ensure that you get the best deal out of the situation.

Inspection and Repair Know-How
It’s hard to predict what inspections to expect, but a Ruhl&Ruhl Realtor can help you post inspection. Most agents have a list of people that are available at a moment's notice to help repair or replace items that are flagged by an inspector.

Transaction Management
There are many questions that pop up all throughout the process, from showings to offers. What items need to be followed up on? What happens when the property isn’t appraised for the contract sale price? What happens when the buyer’s financing falls through? What happens when issues with the home inspection potentially derails the deal?

Closing Finesse
What is the protocol for post-closing? How soon do you have to be out of the home? A Realtor will be there to answer any pre and post-closing questions.

Do you still have questions? Concerns? That’s okay! Selling your home is one of the biggest financial moves you can make in your life! But having a local, expert by your side will make the process so much easier. Contact us today to learn more about the selling process or to be put in touch with a Ruhl&Ruhl Realtor who can answer any questions you may have


(866) 441-1776 | customerservice@ruhlhomes.com | ruhlhomes.com


Record Breaking Sales and Home Prices Appreciating

Thursday, August 03, 2017

The first half of 2017 saw a record number of homes sold and closed in our region. In the Quad Cities, for example, the Multiple Listing Service (MLS) had the most sales closed from January through June that we have had since 2000 – a 17-year high (See Mid-Year Comparison Chart).

Our Regional Activity Chart shows the sales increases in all of our markets. Overall, sales volume in the region compared to last year is up 12%, with some top performers being the Dubuque Area – up 20%, and the Iowa City and Muscatine/Wilton Areas both up 15%.

Home Prices Appreciating More
All of our regional Metropolitan Statistical Areas (MSAs) experienced a positive gain as price appreciation in our region over the past 5 years was between 7.25% and 12.91%. Specific appreciation rates by MSA are shown in
this chart. In the past year, according to the Federal Housing Finance Agency (FHFA), prices are up 2.35% in Dubuque, 2.47% in Iowa City, 3.62% in the Quad Cities and 2.35% in Cedar Rapids. This compares to a 6% increase nationally. The National Association of Realtors (NAR), warns of an affordability crisis in many markets due to the rapid appreciation in home prices. Luckily, our region continues to be one of the most affordable in the country.

Note: There is considerable variation in price appreciation based on price range and location of properties, with more affordable properties appreciating more due to higher demand and lower inventory.

Low Interest Rates Fueling Sales
Low interest rates also help affordability. On July 17, rates with no points were as follows:

15-year conventional fixed                             3.250%
30-year conventional fixed                             3.875%
FHA/VA 30 year fixed                                       3.875%
5/1 ARM (Adjustable Rate Mortgage)            3.250%


Buyers can buy more house for the same monthly payment now, than they will be able to buy in 2018 when interest rates will be higher.

Inventory Still Falling
The number of homes for sale is alarmingly low – down another 8% in the region compared to last summer. In the
Quad Cities, listings are at their lowest levels in 17 years. This makes now the best time ever for sellers to sell at top dollar. It is a real challenge for buyers of affordable homes to find and negotiate an acceptable offer on a property. Homes are selling fast and some receive multiple offers and/or sell over list price. It is possible that this shortage of affordable inventory may lead to a slowdown in housing sales. Investors have been a mixed blessing to Realtors. We love to sell them income properties and help them create wealth. However, a new study by Andrew Waite reports that investors now own over 20% of all one to four family homes in the US. So that inventory is no longer available to homebuyers.



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Blog Archive

  1. 2018 (6)
    1. SEP (2)
      1. Free Landowners Seminar
      2. Scammers are tricking people out of enormous payments as they're about to close on a house
    2. AUG (1)
      1. Move From the Life You Have to the Life of Your Dreams
    3. JUL (3)
      1. First Time Home Buyers: Need v Want
      2. A Tale of Two Markets
      3. Home Price Appreciation is Strong and Stable in our Region
  2. 2017 (53)
    1. DEC (1)
      1. The Cost of NOT Owning Your Home
    2. NOV (6)
      1. Your Friends Are Crazy Wrong If They're Telling You Not To Buy
      2. 3 Low-Cost Ways to Fix Leaky Windows
      3. Thankful for You
      4. 6 Steps to Prep Your Home for Guests
      5. NAR Confidence Index Survey
      6. Five Tips to Prep Your Home for Winter
    3. OCT (7)
      1. Renting or buying... either way you're paying for someone's mortgage!
      2. Toys For Tots
      3. Why a Pre-Inspection Saves You Time and Money
      4. What to Look for in Your Real Estate Team
      5. Fall 2017 QCBR Parade of Homes
      6. Iowa Cropland Values Up in Last Year
      7. 5 Costs to Consider When Buying a Home
    4. SEP (4)
      1. Why Are So Few Homes for Sale?
      2. 5 Reasons to Sell This Fall
      3. Tight Inventory Continues to Lead to Increases in Home Price Appreciation
      4. FSBOs Don’t Save Real Estate Commission
    5. AUG (6)
      1. Homeowner’s Net Worth Is Still Greater Than a Renter’s
      2. 5 Things to Look for in Your First Home
      3. Condo Sales Set the Pace in New Construction Market
      4. Eight Things Homesellers Risk When They For Sale By Owner
      5. Record Breaking Sales and Home Prices Appreciating
      6. Happy 40th Anniversary Roni!
    6. JUL (3)
      1. Homesnap: Your New Mobile Resource
      2. NAI Ruhl Commercial - Property Management Report
      3. Buying a Home: Wants vs Needs
    7. JUN (8)
      1. NAI Ruhl Commercial - MultiFamily and Investments Report
      2. Tips for Preparing for Homeownership
      3. NAI Ruhl Commercial - Industrial Report
      4. 5 Reasons Homeownership is a Good Financial Investment
      5. NAI Ruhl Commercial - Office Report
      6. Lack of Listings Slowing Down the Market
      7. NAI Ruhl Commercial - Retail Report
      8. What's Holding Millennials Back from Buying?
    8. MAY (8)
      1. Five Reasons Iowa is SO Much Better than New York City
      2. Iowa Cropland Values Up in Last Six Months
      3. Ruhl 2017 Blood Drive
      4. First-Time Homebuyers Savings Program and What it Means for You
      5. Ruhl&Ruhl Realtors Opens Office in Galena
      6. Regional New Homes Market off to a Good Start in 2017
      7. Luxurious Apartment Living with a View
      8. The Quad Cities Experiences the Largest One-Year Gain in Region
    9. APR (4)
      1. Six Reasons We Should Stop Celebrating Numbers and Start Championing Service
      2. Best Time to Sell Ever
      3. Spring 2017 QCBR Parade of Homes
      4. Ruhl&Ruhl Realtors Ranks as Iowa’s Largest Privately-Owned Real Estate Company
    10. MAR (2)
      1. Iowa Cropland Values Up in Last Six Months
      2. The Quad Cities Experiences the Largest One-Year Gain in Region
    11. FEB (3)
      1. Knowledge is Power
      2. Optimism & Opportunities
      3. Ruhl&Ruhl Realtors Celebrates Best Year Ever!
    12. JAN (1)
      1. 8 Home Improvement Skills to Master Before Moving In
  3. 2016 (66)
    1. DEC (5)
      1. Don't Wait! Move Up to the Home You Always Wanted
      2. Baby Boomers Finding Freedom in Retirement
      3. Ruhl Gives Back for the Holidays
      4. Buying is Now 37.7% Cheaper than Renting in the U.S.
      5. Why Getting Pre-Approved Should Be Your First Step
    2. NOV (7)
      1. 5 Reasons to Hire a Ruhl&Ruhl Realtor
      2. High Demand for Affordable Housing
      3. Tales from the Empty Nest
      4. New Homes Market Steadies Regionally
      5. Community Partnership Sets Goal to Revitalize South of Six
      6. Think All Millennials Live in Their Parent's Basement? Think Again!
      7. 2016 In Review
    3. OCT (7)
      1. Preview: What to Expect in 2017
      2. Your Home Buying Wish List
      3. Regional Cities Offer Homeowner Discounts
      4. 5 Reasons To Use a Realtor
      5. Who is Ruhl&Ruhl Realtors?
      6. How Supply & Demand Impacts the Real Estate Market
      7. Land Values Decrease in Iowa
    4. SEP (7)
      1. The Future of Real Estate
      2. Our Corridor Offices Ruhl at Excellence in Service!
      3. The Time to Sell is NOW!
      4. Start the Mortgage Process Today
      5. Energy Efficiency and You
      6. Fall 2016 QCBR Parade of Homes
      7. Our Quad City Offices Ruhl at Excellence in Service!
    5. AUG (8)
      1. Real Estate In Iowa and the Quad Cities Area Shifting to Attract a Younger Generation
      2. Ruhl Agents Care About Community Schools
      3. Why Invest In Land
      4. Staycation in Newbo
      5. Ruhl Markets GREAT for First-Time Homebuyers
      6. Three Ways the Internet Can Make the Home Buying Process Easier
      7. Home Sales Brisk and Prices Appreciating
      8. Six fixes to make buyers say WOW
    6. JUL (8)
      1. Thank You
      2. 10 Ways to Improve Your Credit Score
      3. Why We Started
      4. Whitey’s Ice Cream: A Quad Cities Tradition since 1933
      5. Is Buying Right For You?
      6. Hooah Quad Cities' Resources for Veterans
      7. 5 Real Estate Podcasts You HAVE to Listen To
      8. Four Things You Should Do This Fourth of July
    7. JUN (8)
      1. 10 Reasons You Should Never Buy or Sell Without an Agent
      2. Changing Lives One Veteran At a Time
      3. Help Us Honor the Military
      4. Father’s Day Traditions At Ruhl&Ruhl
      5. Dubuque Office Hosts Annual Charity Kickball Tournament
      6. Using Ruhl Technology to Buy Your First-Home
      7. Ruhl Blood Drive Wrap-Up
      8. Strong National First Quarter Home Appreciation Reflected Right Here at Home
    8. MAY (9)
      1. Ruhl Blood Drive
      2. Five Tips for the First-Time Homebuyer
      3. Five Things to Love About the New mobileRUHL
      4. Iowa High School Graduation Rates are Up
      5. Great Time to Sell Your Home in Our Region
      6. Neighborhood Features that Devalue Your Home
      7. Limited Inventory for First-Time Home Buyers
      8. Tips for Your Next Home Project
      9. Home Improvement for Your Health
    9. APR (3)
      1. A Personal Touch for Children in Need
      2. Ruhl&Ruhl Realtors Ranks as Iowa’s Largest Privately-Owned Company
      3. Linking IN
    10. MAR (2)
      1. Ruhl&Ruhl REALTORS® Receives Five Star Award at Cartus Broker Network International Conference
      2. Recent Stock Market Volatility Highlights the Safety and Effectiveness of Investing in Local Real Estate
    11. JAN (2)
      1. Ruhlhomes.com – A new Look for the New Year!
      2. The Truth about Selling your Home this Winter
  4. 2015 (24)
    1. DEC (2)
      1. Homes Values Appreciate Between 3.10% and 9.14% over the Last Five Years in Eastern Iowa and Western Illinois
      2. Don’t Let the Cold Get you – Winterize your Vacant Home
    2. NOV (1)
      1. 3rd Quarter Sales Dip Wipes out Earlier Gains
    3. OCT (2)
      1. Karl Larsen Awarded Iowa City Newcomer of the Year
      2. New National Mortgage Process May Slow Real Estate Transactions
    4. JUL (2)
      1. Illinois Quad Cities Housing Market is up 27%
      2. Let's Kick Poverty so Everyone gets Home!
    5. JUN (4)
      1. Realtors Roll up their Sleeves to Save Lives
      2. Caroline Ruhl named 2015 Laureate of the Quad Cities Business Hall of Fame.
      3. Ruhl&Ruhl Realtors Awarded Coolest Places to Work
      4. Set the Stage for Success with these Home Staging Tips!
    6. APR (3)
      1. Strong Spring Market is Heating Up!
      2. We Walk The Extra Mile So They Can
      3. 2015 QCBR Spring Parade of Homes
    7. MAR (1)
      1. Early March is a Great Time to Put Your House on the Market
    8. FEB (3)
      1. New Construction Inventory Picking Up
      2. Ruhl&Ruhl Realtors Celebrates Strong Results!
      3. 2015 Will Be a Good Year for Home Sales
    9. JAN (6)
      1. Burlington, Iowa
      2. FHA Reduces Annual Insurance Premiums
      3. The Truth about Selling your Home this Winter
      4. North Liberty, Iowa
      5. House Prices Continue Appreciating
      6. New Services Provide Options for Land Brokerage
  5. 2014 (65)
    1. DEC (8)
      1. Ruhl&Ruhl Realtors Awarded for Exceptional Customer Service
      2. Are you Ready to Buy your First Home?
      3. Newbo is Growing
      4. Volunteering Hits Home
      5. Ruhl&Ruhl Property Management Voted Number One in Quad Cities; Ruhl Ranks in Other Categories
      6. Celebrating the Life and Legacy of Chuck Ruhl
      7. Harry Blewett Awarded Dubuque Realtor of the Year!
      8. Ruhl Mortgage Partners with Quad City Bank & Trust
    2. NOV (3)
      1. How to Host a Stress-Free Thanksgiving
      2. Ruhl&Ruhl Agents Pursue Mastery
      3. Markets Steadily Improving
    3. OCT (10)
      1. Don’t Let the Cold Get you – Winterize your Vacant Home
      2. Toys for Tots Collection Drive
      3. Quad Cities Real Estate Update: Local Market is Up
      4. Cedar Rapids Real Estate Fall Update: Regional Markets Improving
      5. Iowa Top Workplaces include Ruhl&Ruhl Realtors
      6. Home Staging Tips for Fall
      7. Drive-In Movie Theater in Blue Grass, Iowa
      8. Real Estate in Blue Grass, Iowa
      9. Geneseo Go-Giver
      10. Two Rivers YMCA Sneaker Ball Keeps Kids Running
    4. SEP (10)
      1. Ruhl&Ruhl Realtors Sponsors Quad City Marathon
      2. Blue Grass, Iowa
      3. Eric Schlutz Elected President of Realtors Land Institute
      4. The Location ‘Ruhls’ at Newbo, Cedar Rapids
      5. 2014 QCBR Fall Parade of Homes
      6. Rick Hernandez has a Growing Family
      7. The Scenic Village of Thomson
      8. Iowa City Region's Home Prices Appreciating
      9. The Melon Capital of the World - Thomson
      10. Featured Community: Thomson, Illinois
    5. AUG (6)
      1. Home Prices Appreciating in the Cedar Rapids Region
      2. Moving is Tough - Make it Easier!
      3. Excellence in Education in Geneseo
      4. Housing Market Stabilizing in Cedar Rapids
      5. Zillow
      6. Dwindling Condo Sales Stall New Construction Market
    6. JUL (4)
      1. Mobile Technology has made Life Easier
      2. 30 Open Houses in 30 Days
      3. House Hunting in the Palm of your Hand
      4. Ruhl&Ruhl is more than Real Estate
    7. JUN (3)
      1. Ruhl&Ruhl Realtors Opens Office in NewBo
      2. Race for A Life
      3. Support Quad City Area Children, with Flowers!
    8. MAY (5)
      1. Can St. Joseph Sell your Home?  
      2. Spring New Construction Update: New Home Sales Show Modest Increase Under Harsh Conditions
      3. Thinking about Renting Out Your Home?
      4. Spring Real Estate Update: Home Prices Rising in Our Markets
      5. The Five Biggest Turn-offs For Homebuyers
    9. APR (4)
      1. Ruhl&Ruhl Realtors Ranked Iowa’s Largest Privately Owned Real Estate Company
      2. 2014 QCBR Spring Parade of Homes
      3. Iowa Farmland Value Decreases, but Demand Stays Strong
      4. Now is the Time to Buy
    10. MAR (3)
      1. Going for Gold
      2. Get Silly, Outside for St. Patrick’s
      3. 4 Reasons to Sell Now
    11. FEB (5)
      1. New Rule in Mortgage Lending
      2. Ruhl&Ruhl Realtors Ranked #1 in Customer Service
      3. Bruce Braley Speaks with Ruhl&Ruhl Realtors on Dubuque Tax Credit
      4. Home Improvements to do Before Spring
      5. Ruhl&Ruhl Realtors Congratulates 2013 Award Winners
    12. JAN (4)
      1. You Might Find this Pin-teresting!
      2. Consider Cost Not Just Price
      3. Ruhl&Ruhl Realtors Agents Receive Recognition from Midwest Five Star Real Estate Agent Program
      4. 7 Quick Tips For A Kid-Friendly, Less Stress Move
  6. 2013 (44)
    1. DEC (7)
      1. 8 Reasons to List or Extend your Listing During the Holidays
      2. Santa's Secret
      3. Flood Insurance Rates May Rise for Homeowners
      4. Should You Buy that Fixer-Upper?
      5. New Commercial Real Estate Company Opens in Quad Cities!
      6. Home Prices Continue to Rise in Local Markets
      7. Ruhl&Ruhl Realtor’s is more than Real Estate – We’re Family!
    2. NOV (4)
      1. Ruhl&Ruhl Realtors Announced Top Real Estate Company by Community
      2. Ruhl&Ruhl Sponsors Toy Tree at the 2013 Festival of Trees
      3. Travis Hiatt Elected Secretary/Treasurer for Iowa City Area Association of Realtors
      4. Emilie Blindt Awarded “Newcomer of the Year” by the Iowa City Area Association of Realtors
    3. OCT (2)
      1. RuhlHomes.com Ranked #5 Website in Nation
      2. Congratulations to Sam Rollins
    4. SEP (3)
      1. Ruhl&Ruhl Announced as Iowa Top Workplace
      2. Kristin Mayo Receives Community Betterment Grant
      3. Dubuque Iowa Listed Within Top 10 Great Cities
    5. AUG (4)
      1. 2013 QCBR Fall Parade of Homes
      2. Sharon Tahere Nominated for Good Neighbor Award
      3. Ruhl Mortgage – New Name for Local Mortgage Company
      4. Quad Cities at Lowest Housing Inventory since 2000
    6. JUL (2)
      1. Blue Skies Ahead in our Local Real Estate Markets
      2. What If I Don’t Currently Qualify For a New Mortgage
    7. MAY (2)
      1. Home Prices Steadily Rising in our Local Markets
      2. Ruhl Premier Access – FREE Super Suite of Tools
    8. APR (8)
      1. Ruhl&Ruhl REALTORS presents the Big Brothers Big Sisters Annual Plant Sale
      2. Ruhl&Ruhl hits 300!
      3. Revision of FHA Mortgage Policies
      4. Caroline Ruhl Inspired by New Strategies and Networking at the Cartus Broker Network International Conference
      5. Catch a Buyers’ Eye – Top Rated Exterior Improvement Projects
      6. 2013 QCBR Spring Parade of Homes
      7. Ruhl&Ruhl REALTORS Ranked Iowa’s Largest Privately Owned Real Estate Company
      8. The TRUTH about How Real Estate Agents Get Paid
    9. MAR (2)
      1. User Guide - Mobile Real Estate Solution
      2. Quad Cities at Lowest Housing Inventory since 2001
    10. FEB (5)
      1. Home Prices Steady in our Markets
      2. The Best Industry to work in? Real Estate!
      3. From Residential Investments to Real Estate Wealth
      4. New Home Sales Rebound in 2012
      5. Ruhl&Ruhl has launched its brand new app mobileRuhl!
    11. JAN (5)
      1. Ruhl&Ruhl Stays Hot Leading the Real Estate Market Again!
      2. Davenport NOW Tax Incentive Extended
      3. Ruhl&Ruhl Leads Quad Cities Real Estate Market
      4. Despite Old Man Winter, Cedar Rapids Real Estate Market Warming
      5. Matt Schwind Recognized as Iowa Realtor of the Year
  7. 2012 (38)
    1. DEC (2)
      1. Ruhl and Ruhl Selected as a SIRVA Relocation Preferred Broker
      2. Make your move- 8 Money Saving Moving Tips
    2. NOV (2)
      1. Black Friday Survival Guide
      2. Is It Time to Invest in a Rental Property?
    3. OCT (1)
      1. Iowa Farmland Increased 18.5% in Value
    4. SEP (2)
      1. 5 Reasons to Sell Now
      2. Ruhl&Ruhl REALTORS Participates in 2012 Fall Parade of Homes
    5. AUG (5)
      1. Ruhl&Ruhl REALTORS Participates in the Student Hunger Corporate Challenge
      2. Ruhl&Ruhl REALTORS Participates in the United Way Day of Caring
      3. Why wait? Davenport Real Estate NOW!
      4. Ruhl&Ruhl Realtors Celebrates Success for First Half of 2012
      5. Is There a 3.8% Sales Tax on Homes in the Health Bill?
    6. JUL (4)
      1. Quad Cities Housing Market Recovery Charging Ahead
      2. Loan Officer Receives Community Grant
      3. Should You Wait to Sell??
      4. Ruhl&Ruhl Realtors Moves into New, High-Tech Office
    7. JUN (2)
      1. Sizzle vs. Steak or Sizzle AND Steak?
      2. The Emotion Driving the Housing Recovery
    8. MAY (2)
      1. New Manager Joins Ruhl&Ruhl REALTORS in Cedar Rapids
      2. Proper Planning for Your Mortgage Application
    9. APR (5)
      1. Ruhl&Ruhl Participates in 2012 Spring Parade of Homes
      2. Ruhl&Ruhl REALTORS Ranked Iowa’s Largest Privately Owned Real Estate Company
      3. What It Means To Be an ‘EXPERT’ in Real Estate
      4. Ruhl&Ruhl REALTORS Supports the Big Brothers Big Sisters Annual Plant Sale
      5. FHA Mortgage Insurance Changes Coming April 9th
    10. MAR (4)
      1. Ruhl&Ruhl Hosts 2 FREE Career Seminars
      2. Buying a Home? The COST Is More Important Than the PRICE
      3. House Sales in the U.S.
      4. Home Prices Continue to be Strong in our Markets
    11. FEB (5)
      1. 1862 Mortgage Offers Home Affordable Refinance Program
      2. Is It Time for Young Families to Buy a Home?
      3. Where Are Rents Headed?
      4. New Construction Inventory Falling
      5. Ruhl&Ruhl REALTORS Celebrates Sales Growth in 2011
    12. JAN (4)
      1. Iowa housing market stable
      2. America’s Top 10 States For Business in 2011
      3. Funds Available for Military Homebuyers in Illinois
      4. Comparing Real Estate To Other Investments
  8. 2011 (79)
    1. DEC (4)
      1. One in Five Baby Boomers Gifting or Loaning Money to Children or Grandchildren to Help Buy Homes
      2. “As A Home Seller, Why Should You Care About Involving A LENDER In The Home Selling Equation?”
      3. The Need for a True Real Estate Professional
      4. Home Prices Strong in our Markets
    2. NOV (6)
      1. How Much Should You Put Down?
      2. Is There a 3.8% Tax on Homes in the Health Bill?
      3. Americans Still Believe in the Value of Homeownership
      4. Is the Real Estate Market a Good Return on Investment?
      5. What If I Don’t Currently Qualify For a New Mortgage?
      6. Top 10 Tips for First-Time Homebuyers
    3. OCT (7)
      1. Was it Worth Waiting?
      2. $3,500 in Down Payment Assistance is now available for Qualified Iowa Home Buyers
      3. Ruhl&Ruhl Supports the Dubuque Museum of Art
      4. New Manager Joins Ruhl&Ruhl REALTORS in
      5. New Manager Joins Ruhl&Ruhl REALTORS in Moline Office
      6. Short Sale vs. Foreclosure: A Short Sale Always Wins
      7. Ruhl&Ruhl Named for Having One of the Most Colorful Trees in the QC
    4. SEP (6)
      1. America’s Top 10 States For Business in 2011
      2. Home Sales: Investors Are About to Return
      3. Cleaning Up the Negative Media on Housing
      4. Ruhl&Ruhl Participates in 2011 Fall Parade of Homes
      5. Increasing Demand Increases Value of Farmland
      6. Short Sales: Has Their Time Finally Arrived?
    5. AUG (6)
      1. Ruhl&Ruhl Selected as a Prudential Preferred Broker
      2. Home Prices Stable in Our Markets
      3. Ruhl&Ruhl Expands to Offer Consulting, Asset Management & Multi-Family Brokerage
      4. Ruhl&Ruhl REALTORS Announces New Burlington Office
      5. It’s Time to Buy (or Refinance)
      6. More Disclosures on the Way to “Help” the Consumer
    6. JUL (5)
      1. Ruhl&Ruhl Congratulates Rock Island Arsenal for Best Overall Chapter Award
      2. Why Do People Actually Buy a Home?
      3. 5 Real Estate Headlines You’ll See in the Next Six Months
      4. Ruhl&Ruhl REALTOR Assists with the Sale of Cedar Rapids Church
      5. Top 5 Real Estate Headlines in the 1st Half of 2011
    7. JUN (9)
      1. Ruhl&Ruhl REALTORS Sponsors THE Quad City Marathon
      2. A Window of Opportunity for House Sellers
      3. Will Falling Values Lead to More Strategic Defaults?
      4. Ruhl&Ruhl REALTORS to Host FREE Career Seminar
      5. Fixed-rate Mortgages Fall to 6-Month Lows
      6. Mortgage Insurance Cancellation: The Myths and Realities
      7. How To Make An Offer that Will Be Accepted
      8. Should You Rent or Buy in this Market?
      9. Why You Need a True Professional to Sell Your Home
    8. MAY (7)
      1. Appraisals: Why You Must Now Sell Your House Twice
      2. Is a Short Sale or a Foreclosure My Best Option?
      3. 5 Reasons You Should Consider Selling Now
      4. Even the Naysayers Are Saying To Buy Now!
      5. Almost 14,000 Houses Sold Yesterday
      6. A Bull Market in Rental Housing
      7. RUHL&RUHL REALTORS Sales Professionals Earn Affinity Specialist From Cartus Broker Services
    9. APR (9)
      1. 11 Cities Where Homes Sell the Fastest – Iowa City, IA Made the List!
      2. Foreclosures: Bringing Clarity to the Confusion
      3. Ruhl&Ruhl REALTORS Sponsor of Schmooza Palooza
      4. Ruhl&Ruhl REALTORS Ranked Iowa’s Largest Privately Owned Real Estate Company
      5. NEWSFLASH: There Is NO Inventory!!!
      6. Fannie Mae Announces 3.5% Buyer Assistance on REO Properties
      7. Real Estate and Financing Are PERSONAL
      8. 2011 Spring Parade of Homes
      9. What is a QR code? And what does it do?
    10. MAR (10)
      1. Real Estate: GOLDen Opportunity of This Decade
      2. Iowa Farmland Increased 25.4% in Value
      3. Distressed Sales: State by State
      4. Military Homebuyer Tax Credits Still Available!
      5. 10 Reasons People Decide to Buy a Home
      6. If Prices Are Falling, Why Are the Rich Buying?
      7. Ruhl&Ruhl REALTORS Partners with Nelson Brothers Insurance
      8. 7 Tips for Short Sale Success
      9. For Buyers: The Financial Opportunity of a Lifetime?
      10. If Your Goal Is to Buy Low, Buy Now!
    11. FEB (5)
      1. First-Time Homebuyer Tax Credit Repayment
      2. Selling Your House? 5 Reasons To Do It NOW!
      3. Does It Make Sense To Buy a Home?
      4. Where Are Housing Prices Headed?
      5. Trending Up in 2011
    12. JAN (5)
      1. Housing Market in Q-C ‘bubbling’
      2. Experts on Real Estate
      3. Rental Prices Jump 11.6 Percent in 2010
      4. 3 Questions You Must Answer Before Buying a Home
      5. Do Neighborhood Watch Groups Cut Crime and Insurance Costs?
  9. 2010 (38)
    1. DEC (6)
      1. 5/1 ARM Offers Best of Price and Stability
      2. Foreclosures Decreasing: Exploring the Short Sale Option
      3. Millennium Did Not Crash the Housing Market, What a Great Decade!
      4. Real Estate a Great Investment in Our Region
      5. Myths: The Earth Is Flat and Newspapers Sell Houses
      6. 5 Holiday Hosting Disasters and How to Avoid Them
    2. NOV (5)
      1. Buying a Home Now Is a No-Brainer
      2. Robson Homes Now Building at Prairie Heights in Davenport
      3. Scott County New Home Sales Grow in 2010
      4. Protect Our Property Values: Short Sales Better Than Foreclosures
      5. Should You Move or Improve?
    3. OCT (3)
      1. Best Time to Buy? Bottom of a Recession!
      2. Why wait? Davenport NOW!
      3. DIY Home Energy Audit in 6 Easy Steps
    4. SEP (6)
      1. Home Prices Up in Our Markets
      2. Best Chance to Sell Your Home the First 5 Days on the Market
      3. Understanding Real Estate Representation
      4. How to Assess the Real Cost of a Fixer-Upper
      5. Pending Home Sales on the Rise
      6. Ruhl&Ruhl REALTORS Participates in Student Hunger Drive
    5. AUG (2)
      1. Health Care Bill Includes New “Real Estate Transfer Tax”
      2. Ruhl&Ruhl REALTORS Announces New Cedar Rapids Office
    6. JUL (2)
      1. Mike Wendt Assumes Role as Ruhl&Ruhl General Sales Manager
      2. Tax Credit Deadline Extended
    7. JUN (2)
      1. Ruhl&Ruhl REALTORS Critiqued by Peers
      2. Head Shave for Hospice
    8. MAY (2)
      1. Ruhl&Ruhl to Host Military Financing Seminar
      2. Post-Tax Credit Buyers May Save Money
    9. APR (3)
      1. Ruhl&Ruhl Outsells Mel Foster Company
      2. A Strong Start to the New Year - Scott & Rock Island Counties New Construction Report
      3. North Liberty Dominates Iowa City Area New Construction
    10. MAR (2)
      1. Ruhl&Ruhl Receives Five Star Circle of Excellence Award at Cartus Broker Network International Conference
      2. Q-C's new homes market shows signs of growth
    11. FEB (2)
      1. New Manager Joins Ruhl&Ruhl REALTORS in Maquoketa and DeWitt
      2. Sales Growth in 2009
    12. JAN (3)
      1. Fifth Generation Joins Ruhl&Ruhl REALTORS
      2. Q-C home sales show strength
      3. New Construction Markets Stabilizing
  10. 2009 (35)
    1. DEC (3)
      1. New Construction Coming Back to Life
      2. Ruhl&Ruhl REALTORS Wins Primacy Relocation Recognition
      3. Homebuyer Tax Credit FAQ
    2. NOV (4)
      1. How to score an offer
      2. Obama Signs Extended Tax Credit into Law
      3. Congress Passes Homebuyer Tax Credit
      4. Choosing an Agent
    3. OCT (7)
      1. Region’s 3rd Quarter Housing Market
      2. The New Construction Market
      3. TOP TEN REASONS TO BUY A NEW HOME NOW!
      4. Thinking of a Career in Real Estate? Think Ruhl&Ruhl!
      5. Mobile Applications link buyers, agents
      6. Everything You Need To Know About the First Time Home Buyer $8,000 Tax Credit
      7. September Brings a Continued Real Estate Upswing in our Markets
    4. SEP (6)
      1. Finding or Selling Your Home while using Social Media
      2. Ruhl&Ruhl REALTORS Celebrates Grand Opening of New Muscatine Office
      3. MobileRuhl
      4. 1862 Mortgage
      5. Plan your own Open House Tour!
      6. RuhlHomes.com: Totally New Website with New look, Improved Function
    5. JUL (1)
      1. Mobile Ruhl: Search Listings on Your Cell Phone
    6. JUN (3)
      1. Federal tax credit continues to draw new home buyers
      2. Davenport, IA Passes Tax-Rebate Program: Davenport NOW
      3. Ruhl&Ruhl REALTORS Announces New Office in Muscatine
    7. MAY (3)
      1. Q-C housing sales rebound
      2. Quad City Home Sales Bright Spot in Country
      3. RuhlHomes.com Website Visits, April 2008 to April 2009
    8. APR (5)
      1. Iowa Finance Authority: Military Service Member Homeownership Assistance
      2. REOHome Program from Iowa Finance Authority
      3. The Real Estate Market Is Back!
      4. Ruhl&Ruhl 100th Largest Broker in Country
      5. Ruhl&Ruhl agents had the best week since July 2007!
    9. MAR (2)
      1. 2009 - First Time Homebuyer Tax Credit - FAQ's
      2. 1862 Mortgage - Finding a loan officer thats right for you.
    10. JAN (1)
      1. Ruhl&Ruhl Celebrates Market Share Gains
  11. 2008 (2)
    1. DEC (2)
      1. Builders Respond to Changing Market
      2. 1862 Mortgage


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