Home Loans in Warsaw,Syracuse & Kosciusko County

Mortgage and Lending - Ruoff Home Mortgage - 234777
      The scrutiny of your bank statements that will take place by the Underwriter when you apply for a mortgage is much more thorough than in years past. Used to be, lenders only cared about your balance and if you had adequate funds to close, but today they will analyze every transfer, every de...
If you are like most home buyers who begin their Warsaw, Indiana home search, you start by deciding “How much house” you can afford on a monthly payment basis. Once you have arrived at that figure, you can then calculate how much the overall price needs to be in order to stay within budget. Unles...
The USDA Rural Housing Loan has always been a great way for young buyers to get into a home. But over the last year this loan program has become a lengthy process timewise. Standard procedure for a USDA would be that we (Ruoff the Lender) would underwrite and approve a USDA mortgage loan for a cl...
Did you know that the fifth largest rain forest in the world is located in Alaska? The Tongass rain forest(17 million acres) is located in the vicinity of Ketchikan which gets average annual rain fall of 12.5 FEET! Here's the 2 story rain gauge that the downtown area has erected. We were there in...
Just when I thought that mortgage lending couldn't get anymore stressful and cluttered with Freddie & Fannie guidelines, bank overlays, MI companies & the government red tape. I just finished a whole new round of mandatory training for government compliance. SAR - Suspicious Activity Report AML -...
Having just finished another hectic cramming to get closings done for the end of the month made me pause to reflect on the scheduling of closings. Like with everyone else, when you have double the amount of closings on a particular day than average, everything is last second and everyone is calli...
On a recent visit to Yellowstone, as we came into the park from the northeastern entry very early in the morning. I came around a curve traveling at about 40 mph to encounter this guy strolling in the middle of the road. I was able to get stopped about 20 feet in front of him,glad we were not tra...
BUSY day on tap for Thursday. New loan application,loan closing & review settlement numbers for a Friday closing. All needs to be done by noon. Then have a annual company day out with local Realtors on the SS Lily pad for 3 hour cruise on beautiful Lake Wawasee. Gonna be a Tough work day!!    
Most mortgage lenders today base the borrower's eligibility  guidelines for credit on their personal credit reports " FICO score". But how do you build a credit(FICO) score when you have never had any credit and no one seems to be interested in giving you credit. That can be a real "Catch 22" dil...
I have been a Android owner for 2 years now. I bought it to primarily receive emails while on the go. Not until recently have I begun to educate myself on smart-phone  apps that are available to make my job so much easier. Many of the best ones for my business are described below in the excellent...

Greg Miller

Warsaw Ind. Home Loans - Conventional,FHA,USDA,VA
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