Steve Hart with Ruhl&Ruhl Realtors

Steve Hart with Ruhl&Ruhl Realtors Whether buying or selling a home, Steve Hart, of Ruhl&Ruhl Realtors has the knowledge and skill to guide you through the process.

How Much Do You Know About Down Payments?
08/06/2019
How Much Do You Know About Down Payments?

How Much Do You Know About Down Payments?

Whether you’ve owned a home before, or you’re ready to jump into homeownership for the first time, there are always a lot of questions swirling around about what is truly required for a down payment, and how to best source down payment assistance. Let’s tackle these two today. 1. How much do y...

Millionaire to Millennials: The Costly Mistake of Not Buying Now
08/05/2019
Millionaire to Millennials: The Costly Mistake of Not Buying Now

Millionaire to Millennials: The Costly Mistake of Not Buying Now

On his personal website, self-made millionaire David Bach makes a striking statement: “Not prioritizing homeownership is the single biggest mistake millennials are making.” He further stated, “Buying a home is an escalator to wealth.” Bach explains: “Young adults in particular aren’t hop...

08/02/2019
Matt Ames - Indiana State Police

Matt Ames - Indiana State Police

What’s the difference in driving in the left lane versus the right lane? Check out this video to know!

Existing Home Sales Point Toward a Good Time to Sell [INFOGRAPHIC]
08/02/2019
Existing Home Sales Point Toward a Good Time to Sell [INFOGRAPHIC]

Existing Home Sales Point Toward a Good Time to Sell [INFOGRAPHIC]

Some Highlights: Existing Home Sales dropped 1.7% from May to a seasonally adjusted annual rate of 5.27 million in June. Low inventory levels are still a factor in the market. The current supply of homes for sale is at 4.4 months, which is less than the optimal 6-month supply. Median home

How to Judge the Impact of the Next Economic Slowdown on Housing
08/01/2019
How to Judge the Impact of the Next Economic Slowdown on Housing

How to Judge the Impact of the Next Economic Slowdown on Housing

We’ve experienced economic growth for almost a decade, which is the longest recovery in the nation’s history. Experts know a recession can’t be too far off, but when will this economic slowdown actually occur? Pulsenomics just released a special report revealing that nearly 6 out of 10 of the ...

Why Now Is the Perfect Time to Sell Your House
07/31/2019
Why Now Is the Perfect Time to Sell Your House

Why Now Is the Perfect Time to Sell Your House

As a homeowner, it’s always tempting to dream about the next big project you’re going to tackle. The possibilities are endless. Should I renovate? Should I refinance? Should I stay? Should I move? The list goes on and on. In today’s housing market, it’s actually a great time to shift your th...

How to Increase Your Equity Over the Next 5 Years
07/30/2019
How to Increase Your Equity Over the Next 5 Years

How to Increase Your Equity Over the Next 5 Years

Many of the questions currently surrounding the real estate industry focus on home prices and where they are heading. The most recent Home Price Expectation Survey (HPES) helps target these projected answers. Here are the results from the Q2 2019 Survey: Home values will appreciate by 4.1% i

07/29/2019
3 Expert Insights On Inventory In The Current Market

3 Expert Insights On Inventory In The Current Market

The current housing landscape presents greater home values, low interest rates, and high buyer demand. All of these factors point to the strong market forecasted to continue throughout the rest of the year. There is, however, one thing that may cause the industry to tap the brakes: an overall lac

Home Prices Up 5.05% Across the Country [INFOGRAPHIC]
07/26/2019
Home Prices Up 5.05% Across the Country [INFOGRAPHIC]

Home Prices Up 5.05% Across the Country [INFOGRAPHIC]

Some Highlights: The Federal Housing Finance Agency (FHFA) recently released their latest Quarterly Home Price Index report. In the report, home prices are compared both regionally and by state. Based on the latest numbers, if you plan on relocating to another state, waiting to move may e

07/25/2019
3 Powerful Reasons to Buy a Home Now

3 Powerful Reasons to Buy a Home Now

Whether you are a first-time buyer or looking to move up to the home of your dreams, now is a great time to purchase a home. Here are three major reasons to buy today. 1. Affordability Many people focus solely on price when talking about home affordability. Since home prices have appreciated t

Mid-Year Housing Market Update: Three Things to Know Today
07/24/2019
Mid-Year Housing Market Update: Three Things to Know Today

Mid-Year Housing Market Update: Three Things to Know Today

Shifting trends and industry-leading research are pointing toward some valuable projections about the status of the housing market for the rest of the year. If you’re thinking of buying or selling, or if you just want to know what experts are saying is on the horizon, here are the top three thing

07/23/2019
What Experts are Saying About the Current Housing Market

What Experts are Saying About the Current Housing Market

We’re halfway through the year, and with a decline in interest rates as well as home price and wage appreciation, many are wondering what the experts predict for the second half of 2019. Here’s what some have to say: Danielle Hale, Chief Economist at realtor.com “Lower mortgage rates, higher w...

Is Renting Right for Me?
07/22/2019
Is Renting Right for Me?

Is Renting Right for Me?

If you’re currently renting and have dreams of owning your own home, it may be a good time to think about your next move. With rent costs rising annually and many helpful down payment assistance programs available, homeownership may be closer than you realize. According to the 2018 Bank of Americ

The Cost of Waiting: Interest Rates Edition [INFOGRAPHIC]
07/19/2019
The Cost of Waiting: Interest Rates Edition [INFOGRAPHIC]

The Cost of Waiting: Interest Rates Edition [INFOGRAPHIC]

Some Highlights: Interest rates are projected to increase steadily heading into 2020. The higher your interest rate, the more money you will end up paying for your home and the higher your monthly payment will be. Rates are still low right now – don’t wait until they hit 5% to start searc

The Surprising Profile of the Real Estate Investor
07/18/2019
The Surprising Profile of the Real Estate Investor

The Surprising Profile of the Real Estate Investor

Over 10% of all residential homes are purchased by investors, and that number continues to rise. Who are these investors? Many have speculated that the large institutional conglomerates such as Blackstone, American Homes 4 Rent, and Colony Starwood dominate investor purchases. However, a special

What a Difference a Year Makes for Sellers
07/17/2019
What a Difference a Year Makes for Sellers

What a Difference a Year Makes for Sellers

Over the last few years, many sellers have been hesitant to put their houses on the market because they feared not being able to find another home to buy. We’ve reported on inventory shortages in the past, and it’s been a constant concern for potential buyers throughout recent years. New researc...

Should I Refinance My Home?
07/16/2019
Should I Refinance My Home?

Should I Refinance My Home?

With the recent lower interest rates, many homeowners are wondering if they should refinance. To decide if refinancing is the best option for your family, start by asking yourself these questions: Why do you want to refinance? There are many reasons to refinance, but here are three of the most

Home Price Appreciation Forecast
07/15/2019
Home Price Appreciation Forecast

Home Price Appreciation Forecast

Questions continue to come up about where home prices will head throughout the rest of this year, as well as where they may be going over the few years beyond. We’ve gathered current data from the industry’s most reliable sources to help answer these questions: The Home Price Expectation Survey ...

Is Your First Home Now Within Your Grasp? [INFOGRAPHIC]
07/12/2019
Is Your First Home Now Within Your Grasp? [INFOGRAPHIC]

Is Your First Home Now Within Your Grasp? [INFOGRAPHIC]

Some Highlights: According to the US Census Bureau, “millennials” are defined as 18-36-year-olds. According to NAR’s latest Profile of Home Buyers and Sellers, the median age of all first-time home buyers is 32. More and more “old millennials” (25-36) are realizing that homeownership is w

Americans’ Powerful Belief in Homeownership as an Investment
07/11/2019
Americans’ Powerful Belief in Homeownership as an Investment

Americans’ Powerful Belief in Homeownership as an Investment

The Federal Reserve Bank (The Fed) recently released their 2019 Survey of Consumer Expectations Housing Survey. The survey reported that 65% of Americans believe homeownership is a good financial investment. Since 2014, the percentage has increased by over nine percent.The Fed’s survey also showed

4 Tips to Sell Your Home Faster
07/10/2019
4 Tips to Sell Your Home Faster

4 Tips to Sell Your Home Faster

Since June of last year, we have seen an increase in the inventory of homes for sale month per month. Every spring and summer, the inventory increases because people want to sell their home. For those with children, they may want to be in their new home for the beginning of the school year. If yo

5 Powerful Reasons to Own Instead of Rent
07/09/2019
5 Powerful Reasons to Own Instead of Rent

5 Powerful Reasons to Own Instead of Rent

Owning a home has great financial benefits. In a recent research paper, Homeownership and the American Dream, Laurie S. Goodman and Christopher Mayer of the Urban Land Institute explained: “Homeownership appears to help borrowers accumulate housing and nonhousing wealth in a variety of ways, wit

Now’s the Time to Move-Up and Upgrade Your Current Home!
07/08/2019
Now’s the Time to Move-Up and Upgrade Your Current Home!

Now’s the Time to Move-Up and Upgrade Your Current Home!

Homes priced at the top 25% of the price range for a particular area of the country are considered "premium homes." In today’s real estate market, there are deals to be had at the higher end! This is great news for homeowners wanting to upgrade from their current house. Much of the demand for hou

10 Steps to Buying a Home This Summer [INFOGRAPHIC]
07/05/2019
10 Steps to Buying a Home This Summer [INFOGRAPHIC]

10 Steps to Buying a Home This Summer [INFOGRAPHIC]

Some Highlights: If you are thinking of buying a home, you may not know where to start. Here is a simple list of 10 steps that you will go through to purchase a home. Make sure to ask your agent for details about each step and what else may be required in your area!

Is Mortgage Debt out of Control?
07/03/2019
Is Mortgage Debt out of Control?

Is Mortgage Debt out of Control?

The housing crisis of the last decade was partially caused by unhealthy levels of mortgage debt. Homeowners were using their homes as ATMs by refinancing and swapping their equity for cash. When prices started to fall, many homeowners found themselves in a negative equity situation (where the

Millennials Are Increasing the Demand for Condominiums
07/02/2019
Millennials Are Increasing the Demand for Condominiums

Millennials Are Increasing the Demand for Condominiums

When deciding to buy a home, people are presented with many different options. The type of home you buy depends on your needs, budget, and in many cases, the desired maintenance level. For many millennials, their choice has been buying a condominium! According to CoreLogic, “Last year about 43%

Top 5 Reasons You Should NOT FSBO
07/01/2019
Top 5 Reasons You Should NOT FSBO

Top 5 Reasons You Should NOT FSBO

Rising home prices coupled with a lack of inventory in today’s market may cause some homeowners to consider selling their home on their own (known in the industry as a For Sale By Owner). However, a FSBO might not be a good idea for the vast majority of sellers. The top 5 reasons are listed below:

Americans Rank Real Estate Best Investment for 6 Years Running! [INFOGRAPHIC]
06/28/2019
Americans Rank Real Estate Best Investment for 6 Years Running! [INFOGRAPHIC]

Americans Rank Real Estate Best Investment for 6 Years Running! [INFOGRAPHIC]

Some Highlights: Real estate has outranked stocks/mutual funds, gold, savings accounts/CDs, and bonds as the best long-term investment among Americans for the last 6 years. Stock owners are more positive about real estate than stocks as an investment. Of the 4 listed, real estate is the o

Know What to Expect at Your Home Inspection
06/27/2019
Know What to Expect at Your Home Inspection

Know What to Expect at Your Home Inspection

So you made an offer and it was accepted. Now, your next task is to have the home inspected prior to closing. Agents oftentimes make your offer contingent on a clean home inspection. This contingency allows you to renegotiate the price you paid for the home, ask the sellers to cover repairs, or i

Before You Look for Your Dream Home: Know What You Want vs. What You Need!
06/26/2019
Before You Look for Your Dream Home: Know What You Want vs. What You Need!

Before You Look for Your Dream Home: Know What You Want vs. What You Need!

In this day and age of being able to shop for anything anywhere, it is really important to know what you’re looking for when you start your home search. If you’ve been thinking about buying a home of your own for some time now, you’ve probably come up with a list of things that you’d LOVE to...

Having a Professional on Your Side Makes All the Difference!
06/25/2019
Having a Professional on Your Side Makes All the Difference!

Having a Professional on Your Side Makes All the Difference!

In today’s fast-paced world where answers are a Google search away, there are some who may wonder what the benefits of hiring a real estate professional to help them in their home search are. The truth is, the addition of more information causes more confusion. Shows like Property Brothers, Fixer

Stop Wondering What Your Budget Is & Get Pre-Approved!
06/24/2019
Stop Wondering What Your Budget Is & Get Pre-Approved!

Stop Wondering What Your Budget Is & Get Pre-Approved!

In many markets across the country, the number of buyers searching for their dream homes outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show that you are serious about buying your dream home is to get pre-qualified

4 Reasons to Sell This Summer [INFOGRAPHIC]
06/21/2019
4 Reasons to Sell This Summer [INFOGRAPHIC]

4 Reasons to Sell This Summer [INFOGRAPHIC]

Some Highlights: Buyer demand continues to outpace the supply of homes for sale. This means that buyers are often competing with one another for the few listings that are available. Housing inventory is still under the 6-month supply needed to sustain a normal housing market. Now may be t

Young First-Time Buyers Are Saving for Their Dream Homes
06/20/2019
Young First-Time Buyers Are Saving for Their Dream Homes

Young First-Time Buyers Are Saving for Their Dream Homes

Young buyers (Millennials & Gen Z) have waited longer than previous generations to enter the housing market for their first home. However, this hasn’t stopped them from dreaming about the home they will eventually buy. Many spend hours searching listings and building Pinterest boards of their fa

What You Need to Know About Private Mortgage Insurance (PMI)
06/19/2019
What You Need to Know About Private Mortgage Insurance (PMI)

What You Need to Know About Private Mortgage Insurance (PMI)

Whether it is your first time or your fifth, it is always important to know all the facts when it comes to buying a home. With the large number of mortgage programs available that allow buyers to purchase homes with down payments below 20%, you can never have too much information about Private Mortg

Why Is So Much Paperwork Required to Get a Mortgage?
06/18/2019
Why Is So Much Paperwork Required to Get a Mortgage?

Why Is So Much Paperwork Required to Get a Mortgage?

When buying a home today, why is there so much paperwork mandated by the lenders for a mortgage loan application? It seems like they need to know everything about you. Furthermore, it requires three separate sources to validate each and every entry on the application form. Many buyers are being told

5 Reasons to Sell Your House This Summer
06/17/2019
5 Reasons to Sell Your House This Summer

5 Reasons to Sell Your House This Summer

Here are 5 compelling reasons listing your home for sale this summer makes sense. 1. Demand Is Strong The latest Buyer Traffic Index from the National Association of Realtors (NAR) shows that buyer demand remains strong throughout the vast majority of the country. These buyers are ready, willi

Top 4 Renovations for the Greatest Return on Investment! [INFOGRAPHIC]
06/14/2019
Top 4 Renovations for the Greatest Return on Investment! [INFOGRAPHIC]

Top 4 Renovations for the Greatest Return on Investment! [INFOGRAPHIC]

Some Highlights: If you are planning on listing your house for sale this year, these four home improvement projects will net you the most Return on Investment (ROI). Minor renovations can go a long way toward improving the quality of your everyday life and/or impressing potential buyers.

Time for Your Dream Home, Gen X!
06/13/2019
Time for Your Dream Home, Gen X!

Time for Your Dream Home, Gen X!

During the housing market crash, Gen X homeowners lost more wealth than other generations. However, things are changing now! A strong economy, increasing home prices, and the recovery of the housing market are helping this generation to regain their lost wealth. According to Pew Research Center,

3 Things to Know in the Housing Market Today!
06/12/2019
3 Things to Know in the Housing Market Today!

3 Things to Know in the Housing Market Today!

A lot is happening in the world, and it’s having a direct impact on the housing market. The reality is this: some of it is positive and some of it may be negative. Some we just don’t know yet. The following three areas of the housing market are critical to understand: interest rates, building

Renting or Owning, What Is Better for You?
06/11/2019
Renting or Owning, What Is Better for You?

Renting or Owning, What Is Better for You?

In a real estate market where home prices are rising, many have begun to reexamine the idea of buying a home, choosing instead, to rent for a while. But often, there is a dilemma: should you keep paying rent, knowing that rent is rising too, or should you lock in your housing cost and buy a home? L

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