Ruhl&Ruhl REALTORS

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Revision of FHA Mortgage Policies

April 24th, 2013 by Ruhl Marketing Team

(Moline, IL) – If you're in the market for a home loan and you are considering an FHA loan, be prepared for some changes. As of April 1, 2013, if you are purchasing a home and hope to use an FHA (Federal Housing Authority) loan for your financing, you will notice an increase in the annual mortgage insurance premium charged. Depending on the term and loan to value (LTV) of your loan the insurance in our market will increase by 10 basis points. In addition, effective June 3, 2013, mortgage insurance cannot b...

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Categories: Ruhl Mortgage

April
16

Caroline Ruhl Inspired by New Strategies and Networking at the Cartus Broker Network International Conference

April 16th, 2013 by Ruhl Marketing Team

(DANBURY, Conn.) – Caroline Ruhl, president of Ruhl&Ruhl Realtors, participated in the 2013 Cartus Broker Network International Conference held February 27-March 2 in Phoenix, Arizona. Cartus is the worldwide leader in employee relocation solutions, serving 64% of the Fortune 50 companies. This year's conference featured the theme "Speed2Lead," and brought together nearly 620 Cartus Broker Network members, clients, industry experts and exhibitors from the United States and around the world for an intensive event that included interactive workshops, roundtable discussions, networking sessions and executive presentations along with award celebrations recognizing Network performance during the 2012 calendar year. Conference sessions were designed to facilitate the sharing of knowledge and best practices among...

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Categories: Other Related News

April
16

Catch a Buyers' Eye – Top Rated Exterior Improvement Projects

April 16th, 2013 by Ruhl Marketing Team

For the homeowner who has not seen a great deal of traffic on their listed property, start to evaluate your curb appeal. Real estate professionals nationwide have evaluated some time and cost effective exterior projects to catch a buyers' eye and give you, the seller the best turnaround time on investment. When homebuyers are searching for a home, the exterior is their first impression. According to the 2013 Cost vs. Value Report, exterior replacement projects are among the most valuable home improvements that sellers can currently invest in, starting with the front door. A steel entry door topped this year's survey with an estimated 85.6 percent of the costs recouped at resale. The steel door replacement is also the least expensive of the 35 midrange and upscale remodeling projects included in the survey, costing $1,137 on average. This is the 15th year that Remodeling magazine — in cooperation with REALTOR® Magazine — has released the Cost vs. Value Report. This year's survey included more than 3,900 appraisers, sales agents, and brokers across the country that provided their opinions and estimates. Exterior projects dominated the list with six of the top 10 most cost-effective midrange projects and eight of the top 10 upscale projects.

Top 10 Midrange Projects1. Entry Door Replacement (steel) Job Cost: $1,137 Resale Value: $974 Cost Recouped: 85.6 percent2. Deck Addition (wood) Job Cost: $9,327 Resale Value: $7,213 Cost Recouped: 77.3 percent 3. Garage Door Replacement Job Cost: $1,496 Resale Value: $1,132 Cost Recouped: 75.7 percent 4. Minor Kitchen Remodel Job Cost: $18,527 Resale Value: $13,977 Cost Recouped: 75.4 percent 5. Window Replacement (wood) Job Cost: $10,708 Resale Value: $7,852 Cost Recouped: 73.3 percent (tie) 6. Attic Bedroom Addition Job Cost: $47,919 Resale Value: $34,916 Cost Recouped: 72.9 percent (tie) 6. Siding Replacement (vinyl) Job Cost: $11,192 Resale Value: $8,154 Cost Recouped: 72.9 percent 7. Window Replacement (vinyl) Job Cost: $9,770 Resale Value: $6,961 Cost Recouped: 71.2 percent 8. Basement Remodel Job Cost: $61,303 Resale Value: $43,095 Cost Recouped: 70.3 percent 9. Major Kitchen Remodel Job Cost: $53,931 Resale Value: $37,139 Cost Recouped: 68.9 percent 10. Deck Addition (composite) Job Cost: $15,084 Resale Value: $10,184 Cost Recouped: 67.5 percent

Top 10 Upscale Projects1. Siding Replacement (fiber-cement) Job Cost: $13,083 Resale Value: $10,379 Cost Recouped: 79.3 percent2. Garage Door Replacement Job Cost: $2,720 Resale Value: $2,046 Cost Recouped: 75.2 percent 3. Siding Replacement (foam-backed vinyl) Job Cost: $13,818 Resale Value: $9,926 Cost Recouped: 71.8 percent 4. Window Replacement (vinyl) Job Cost: $13,055 Resale Value: $9,295 Cost Recouped: 71.2 percent 5. Window Replacement (wood) Job Cost: $16,361 Resale Value: $11,194 Cost Recouped: 68.4 percent 6. Grand Entrance (fiberglass) Job Cost: $7,088 Resale Value: $4,528 Cost Recouped: 63.9 percent 7. Deck Addition (composite) Job Cost: $34,403 Resale Value: $20,532 Cost Recouped: 59.7 percent 8. Major Kitchen Remodel Job Cost: $107,406 Resale Value: $64,113 Cost Recouped: 59.7 percent 9. Bathroom Remodel Job Cost: $50,007 Resale Value: $29,162 Cost Recouped: 58.3 percent 10. Roofing Replacement Job Cost: $33,880 Resale Value: $19,194 Cost Recouped: 56.7 percent

Are you ready to sell your home? Visit our home page at Ruhlhomes.com or find an agent near you!

Construction cost estimates were generated by RemodelMAX. Cost vs. Value is a registered trademark of Hanley Wood, LLC.

Categories: Selling a Home

April
11

2013 QCBR Spring Parade of Homes

April 11th, 2013 by Ruhl Marketing Team

Please join us for the upcoming Spring Parade of Homes event. The parade will be held April 20^th - 21^st, 24^th and 27^th- 28^th from 1:00 p.m. – 5:00 p.m. on Saturday and Sunday and 5:00 p.m. - 8:00 p.m. Wednesday. As always, the parade of homes is free to the public. Many of the top builders in the Quad Cities participate in this event as it showcases new building trends in new construction homes. There are twenty two homes to tour with nine being held open by Ruhl&Ruhl agents. Please see the homes Ruhl&Ruhl agents are showing below:

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Categories: Parade of Homes

April
9