Ruhl&Ruhl REALTORS
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12
What It Means To Be an 'EXPERT' in Real Estate
If you are either buying or selling a home in today's market, you need a real estate expert. However, we must realize what the term 'expert' actually means. An expert in any area cannot give perfect advice as no one can predict the future. But they can give excellent advice based on their insight into their field. If you go to an attorney with a legal challenge, he/she will look over your case and give you your options. They realize they cannot guarantee the outcome of any of the options. Still, they give the best advice possible and allow you to decide the option with which you feel most comfortable. They then will put together a strategy which hopefully will bring about the most favorable conclusion. If you go to a doctor with a serious ailment, he/she will give you your options and work with you to develop the best...
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Ruhl&Ruhl REALTORS Supports the Big Brothers Big Sisters Annual Plant Sale
2
FHA Mortgage Insurance Changes Coming April 9th
Soon it will cost a little more for some mortgage loans. The Federal Housing Authority (FHA) will have a new premium structure for FHA-insured single-family mortgage loans, increasing the Annual Mortgage Insurance Premium (MIP) it collects by 0.10 percent. These premium changes will impact new loans insured by the FHA, effective April 9, 2012. Loans with amortization terms of 15 years or less, and a loan-to-value ratio of 78% or less, remain exempt from the Annual MIP. FHA reports that this increase is a part of ongoing efforts to encourage the return of private capital to the housing market and to protect capital reserves, according to a statement. In addition, the Up Front Mortgage Insurance Premium (UFMIP) will increase from 1 percent to 1.75 percent of the base loan amount, effective April 9, 2012 as well. This increase applies regardless of the amortization term or loan to value ratio. FHA will...
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Ruhl&Ruhl Hosts 2 FREE Career Seminars
Enjoy the Freedom a Real Estate Career can offer! Ruhl&Ruhl REALTORS is hosting a 2 free Real Estate Career Seminar on Tuesday, April 10th from 7:00 PM – 8:30 PM at the Ruhl&Ruhl Realtors Davenport Office, 4545 Welcome Way, Davenport, IA and Wednesday, April 11th from 6:00 PM – 7:30 PM at the Burlington Holiday Inn, 1605 N. Roosevelt Avenue, Burlington, IA. These seminars will focus on selling real estate in eastern Iowa and western Illinois, covering such topics as current real estate market activity, licensing requirements, startup investment and earnings potential. Discover the advantages of flexible scheduling, the use of your entrepreneurial spirit and skills to start a business, and the potential career growth a real estate career can offer. Join us to learn how Ruhl&Ruhl can help you become successful in a New Car...
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Buying a Home? The COST Is More Important Than the PRICE
We have often advised buyers to look at the COST of purchasing a house more than the PRICE of the home. Obviously, price is part of the cost equation. The other piece, assuming you are not an all cash buyer, is the mortgage rate. The mortgage rate to finance a purchase can have a dramatic impact on the overall cost. Recently, there are more people talking about the possibility that mortgage rates could begin to increase. HSH.com studies trends in mortgage rates. They explain: "A better economic climate almost always brings higher rates, and a lessening of the troubles in Europe from massive central bank assistance adds to the movement of money from safe havens to more risky assets, driving rates upward." Dan Green of The Daily Market Reports recently stated: "The Fed sees growth coming...
