Posts from May 2012
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18
New Manager Joins Ruhl&Ruhl REALTORS in Cedar Rapids
Ruhl&Ruhl REALTORS is pleased to announce the addition of Ollie Dent to our management team in the company's Cedar Rapids office. Dent is an experienced Realtor who brings prior management and sales experience to Ruhl&Ruhl. "I am excited for this new opportunity to grow with Ruhl&Ruhl," said Dent, who is a member of the National Association of Realtors. "I came to this company because of its focus on customer care and agent development. I am thrilled to be able to share those values with more individuals as a manager." Dent has proven himself as a top producing agent after earning top listing and selling agent status as well as being honored as a multi-million dollar producer for several years running. "Ollie will be a great leader for our Cedar Rapids office," said Caroline Ruhl, President of Ruhl&Ruhl REALTORS. "I am confident he will continue our history of commitment to our clients and the commun...
1
Proper Planning for Your Mortgage Application
With good preparation, most things are easier. That works in mortgages too! Today, I want to give you some ideas that can make your mortgage experience less painful.
Income Items:
- Gather your documents. Today, many people will have to produce 2 years' complete tax returns, including W2′s, 1099′s, K1′s, and all the schedules, as well as a month's worth of pay stubs.
- Be prepared to explain them. Deductions in your returns and your pay stubs may impact the income your lender will use to qualify you which, in turn, has a big impact on the loan you will get.
- Have a breakdown of base pay versus overtime for both your pay stubs and 2 years' W2′s. Lenders treat overtime (and bonus income) differently than your base pay. Be prepared to explain any changes ov...
