Archive for the ‘1862 Mortgage’ Category
Friday, January 4th, 2013
January 4, 2012
CEDAR RAPIDS – Even with Jack Frost nipping at our nose – the Cedar Rapids real estate market is still warming up.
Homes pending in November, meaning those real estate transactions that have a contract signed but have not closed, are up 3% this month compared to November 2011. Pending sales are a good predictor of the market one or two months from now, as a percentage of those sales end in closed transactions.
“This increase in pendings shows us that the uptick we saw in 2012 is going to continue into the New Year,” said Caroline Ruhl, President of Ruhl&Ruhl REALTORS. “We were fortunate to not have the huge downturn in the Cedar Rapids real estate market suffered by others and we are lucky that we are already back on track from the dip we had.”
Here’s what else is happening in the Cedar Rapids real estate market:
Cedar Rapids Area – November
This month compared to the same month a year ago:
- Number sold was down 18.3% – from 300 to 245
- Number of pendings was up 3% – from 266 to 274
- Number of current listings for sale were up 2.6% – from 1,990 to 2,042
- Average sales price of properties sold was up 3.2% – from $157,000 to $162,000
- Days on market was up 13.3% – from 75 to 85
This month compared to last month:
- Number sold was down 31.9% – from 360 to 245
- Number of pendings was down 12.7% – from 314 to 274
- Number of current listings for sale were down 4.4% – from 2,136 to 2,042
- Average sales price of properties sold was down 3% – from $167,000 to $162,000
- Days on market was up/down 2.4% – from 83 to 85
About Trendgraphix, Inc.
Trendgraphix, Inc is a real estate reporting company based in Sacramento that uses local MLS data to provide highly-visual market statistical graphs to real estate brokers, agents, and MLS/Realtor associates across the USA.
A family-owned company since 1862, Ruhl&Ruhl REALTORS has grown to more than 290 sales associates, 58 employees and eleven offices, selling more than 4,300 homes in eastern Iowa, western Illinois and southwestern Wisconsin. The company has residential sales offices in Bettendorf, Burlington, Cedar Rapids, Clinton, Davenport, DeWitt, Dubuque, Iowa City, Maquoketa and Cedar Rapids, Iowa; and in Moline, Illinois. In addition to residential sales, the company offers services in relocation, property management, real estate investments, new home sales, land development, farm sales, senior services, home vendor services, insurance services through the Nelson Brothers Agency and mortgage services through 1862 Mortgage. For more information on Ruhl&Ruhl REALTORS, visit their website at www.RuhlHomes.com.
Tags: Cedar Rapids
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Wednesday, January 2nd, 2013
January 2, 2012
QUAD CITIES – Even though Jack Frost is nipping at our nose – the Quad Cities real estate market is still hot and churning even more.
Homes pending in November, meaning those real estate transactions that have a contract signed but have not closed, are up 18.7% this month compared to November 2011. Pending sales are a good predictor of the market one or two months from now, as a percentage of those sales end in closed transactions.
“This increase in pendings shows us that the uptick in sales in 2012 is going to continue into the New Year,” said Caroline Ruhl, President of Ruhl&Ruhl REALTORS. “We were fortunate to not have the huge downturn in the Quad Cities real estate market suffered by others and we are lucky that we are already back on track from the dip we had.”
Here’s what else is happening in the Quad Cities real estate market:
Quad Cities Area – November 2012
This month compared to the same month a year ago:
- Number sold was up 2.1% – from 281 to 287
- Number of pendings was up 18.7% – from 235 to 279
- Number of current listings for sale were down 17.1% – from 1,833 to 1,520
- Average sales price of properties sold was up 2.2% – from $138,000 to $141,000
- Days on market was up 1.6% – from 62 to 63
This month compared to last month:
- Number sold was down 18.4% – from 352 to 287
- Number of pendings was down 16.7% – from 335 to 279
- Number of current listings for sale were down 5.8% – from 1615 to 1520
- Average sales price of properties sold was down 7.2% – from $152,000 to $141,000
- Days on market was down 1.5% – from 64 to 63
About Trendgraphix, Inc.
Trendgraphix, Inc is a real estate reporting company based in Sacramento that uses local MLS data to provide highly-visual market statistical graphs to real estate brokers, agents, and MLS/Realtor associates across the USA.
A family-owned company since 1862, Ruhl&Ruhl REALTORS has grown to more than 290 sales associates, 58 employees and eleven offices, selling more than 4,300 homes in eastern Iowa, western Illinois and southwestern Wisconsin. The company has residential sales offices in Bettendorf, Burlington, Cedar Rapids, Clinton, Davenport, DeWitt, Dubuque, Iowa City, Maquoketa and Muscatine, Iowa; and in Moline, Illinois. In addition to residential sales, the company offers services in relocation, property management, real estate investments, new home sales, land development, farm sales, senior services, home vendor services, insurance services through the Nelson Brothers Agency and mortgage services through 1862 Mortgage. For more information on Ruhl&Ruhl REALTORS, visit their website at www.RuhlHomes.com.
Tags: quad city, Real Estate
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Thursday, December 27th, 2012
CEDAR RAPIDS, IA – Ruhl&Ruhl REALTORS announced today that they have again been selected as a SIRVA Relocation Preferred Broker for 2013-2014.
Ruhl&Ruhl has 57 sales professionals that are trained and certified to work with SIRVA transferees as qualified relocation specialists.
“We are pleased that [Ruhl&Ruhl is] a strong partner with SIRVA Relocation whose performance and dedication to service for our transferees and clients is considered ‘Best in Class’,” said Allen Karns, Preferred Broker Network Manager, SIRVA Relocation.
“The training provided to our sales associates is an important part of our ongoing commitment to provide the best overall relocation experience for all transferees and to deliver the best service to our corporate clients and relocation companies”, said Veronica Pianca, Vice President, Relocation & Business Development with Ruhl&Ruhl REALTORS.
“As members of the SIRVA Preferred Broker Network, we strive to deliver excellent service to every client. The SIRVA certification and training we provide helps to differentiate our agents and provides them with a wider range of resources and career growth opportunities.”
A family-owned company since 1862, Ruhl&Ruhl REALTORS has grown to more than 290 sales associates, 58 employees and eleven offices, selling nearly 5,000 homes in eastern Iowa, western Illinois and southwestern Wisconsin. The company has residential sales offices in Bettendorf, Burlington, Cedar Rapids, Clinton, Davenport, DeWitt, Dubuque, Iowa City, Maquoketa and Muscatine, Iowa; and in Moline, Illinois. In addition to residential sales, the company offers services in relocation, property management, real estate investments, new home sales, land development, farm sales, senior services, home vendor services, insurance services through the Nelson Brothers Agency and mortgage services through 1862 Mortgage. For more information on Ruhl&Ruhl REALTORS, visit their website at www.RuhlHomes.com.
Tags: Preferred Broker, Relocation, SIRVA
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Tuesday, May 1st, 2012
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 over the last few years because your loan officer will ask you about it.
- Start accumulating your bank statements. Lenders look back 3 months from when you sign your contract of sale.
- You will have to explain any and all large deposits (which are defined as deposits greater than your regular pay check) because lenders want to make sure you haven’t taken out any new loans that aren’t on your credit report.
- Avoid any significant cash deposits. However, if you did have a cash deposit, understand that the lender will have you source it (a bill of sale and DMV receipt for that motorcycle, for example).
- If you will be receiving a gift, consult your loan officer on how to document it (from the donor’s ability to how you deposit it).
- Ask your loan officer to run your credit and go over it with them. Believe it or not, most credit reports contain errors. Best to identify them and get working on correcting them as early as possible.
- Do what you can to pay down your balances to under 30% of available credit to help you get the best score possible.
- Do NOT close accounts or pay off collection accounts without discussing it with your loan officer. Either one of these logical moves can actually have a negative impact on your score.
Asset Items:
- Start accumulating your bank statements. Lenders look back 3 months from when you sign your contract of sale.
- You will have to explain any and all large deposits (which are defined as deposits greater than your regular pay check) because lenders want to make sure you haven’t taken out any new loans that aren’t on your credit report.
- Avoid any significant cash deposits. However, if you did have a cash deposit, understand that the lender will have you source it (a bill of sale and DMV receipt for that motorcycle, for example).
- If you will be receiving a gift, consult your loan officer on how to document it (from the donor’s ability to how you deposit it).
Credit Items:
- Ask your loan officer to run your credit and go over it with them. Believe it or not, most credit reports contain errors. Best to identify them and get working on correcting them as early as possible.
- Do what you can to pay down your balances to under 30% of available credit to help you get the best score possible.
- Do NOT close accounts or pay off collection accounts without discussing it with your loan officer. Either one of these logical moves can actually have a negative impact on your score.
When buying a home, remember the Boy Scout motto, “Be prepared”. Following these suggestions will make your loan approval easier and less stressful.
Please remember that each mortgage company and application is different so for the most accurate information always talk to your preferred loan officer. To find out more information, contact Jane Schneider at 1862 Mortgage or any 1862 Mortgage Loan Officer for more information at 866.441.1862 or Info@1862Mortgage.com.
1862 Mortgage has partnered with Ruhl&Ruhl REALTORS to offer a convenient one-stop experience for both home buying and home financing needs nationwide. 1862 Mortgage is a DBA (Doing Business As) of Shelter Mortgage, an operating subsidiary of Guaranty Bank. As part of a strong and stable bank, 1862 Mortgage offers the promise of longevity and security along with a commitment to service excellence.
Information provided by: KCM Blog
Tags: 1862 Mortgage, applying for a mortgage, buying, Buying a Home, caroline ruhl, first time buyers, home, home search, housing market, illinois real estate, iowa real estate, mortgage, mortgage application, mortgage rates, mortgages, Quad Cities Real Estate, ruhl, Ruhl and Ruhl, ruhl&ruhl, Ruhl&Ruhl Realtors, RuhlHomes
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Monday, April 2nd, 2012
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 continue to permit financing of this charge into the mortgage. The FHA estimates that the increase to the upfront premium will cost new borrowers an average of approximately $5 more per month.
The above increases will impact all newly originated FHA mortgages for purchase and refinances, unless the homeowner qualifies for the new reduced mortgage insurance rates with an FHA streamlined refinance. The changes to mortgage insurance do not apply to FHA’s reverse mortgages.
FHA Streamlined Refinances will have reduced FHA mortgage insurance premiums IF the FHA loan being refinanced was endorsed on or before May 31, 2009, effective on case numbers issued on or after June 11, 2012. Upfront mortgage insurance premiums will be reduced from 1% to 0.01% of the base loan amount and the annual mortgage insurance will be reduced to 0.55% of the loan amount. Borrowers must be current on their existing FHA insured mortgage.
If your FHA loan being refinanced was endorsed June 1, 2009 or later, then the reduced rate does not apply.
To find out more information, contact Jane Schneider at 1862 Mortgage or any 1862 Mortgage Loan Officer for more information at 866.441.1862 or Info@1862Mortgage.com.
1862 Mortgage has partnered with Ruhl&Ruhl REALTORS to offer a convenient one-stop experience for both home buying and home financing needs nationwide. 1862 Mortgage is a DBA (Doing Business As) of Shelter Mortgage, an operating subsidiary of Guaranty Bank. As part of a strong and stable bank, 1862 Mortgage offers the promise of longevity and security along with a commitment to service excellence.
A family-owned company since 1862, Ruhl&Ruhl REALTORS annually sells nearly 3,800 homes in eastern Iowa, western Illinois and southwestern Wisconsin and is the largest privately-owned real estate company in Iowa. Headquartered in Davenport, Iowa, the company has 280 sales associates and 50 employees based in 11 sales. In addition to residential sales, Ruhl&Ruhl REALTORS offers services in relocation, new home sales, farm and land sales, senior services, real estate investment, mortgage services through 1862 Mortgage and insurance services through the Nelson Brothers Agency. For more information on Ruhl&Ruhl REALTORS, visit their website at www.RuhlHomes.com
Tags: 1862 Mortgage, buying, Buying a Home, caroline ruhl, first time buyers, home buyer programs, housing market, Mortgage Insurance, mortgage interest, mortgage loan, mortgage rates, mortgages, Real Estate, Real Estate News, realtors, ruhl, Ruhl and Ruhl, ruhl&ruhl, Ruhl&Ruhl Realtors, RuhlHomes, selling your home
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Wednesday, February 29th, 2012
A new financing package is being offered to help homeowners who have been unable to get traditional refinancing because the value of their home has declined.
The new Home Affordable Refinance Program (HARP) assists homeowners who have a higher loan balance than the current value of their home, yet allows refinancing into lower mortgage interest rates.
“This is a great opportunity for homeowners who have not been able to refinance and take advantage of current low rates,” said Jane Schneider, President of 1862 Mortgage, a participating lender. “I encourage those individuals to see if they qualify for this great new product.”
The loan must be owned or guaranteed by FreddieMac or FannieMae and the homeowner must have a good credit history. At this time, the new mortgage balance may not exceed 125% of the home’s current value.
To see if you qualify, contact Jane Schneider at 1862 Mortgage or any 1862 Mortgage Loan Officer for more information at 866.441.1862 or Info@1862Mortgage.com.
1862 Mortgage has partnered with Ruhl&Ruhl REALTORS to offer a convenient one-stop experience for both home buying and home financing needs nationwide. 1862 Mortgage is a DBA (Doing Business As) of Shelter Mortgage, an operating subsidiary of Guaranty Bank. As part of a strong and stable bank, 1862 Mortgage offers the promise of longevity and security along with a commitment to service excellence.
A family-owned company since 1862, Ruhl&Ruhl REALTORS annually sells nearly 3,800 homes in eastern Iowa, western Illinois and southwestern Wisconsin and is the largest privately-owned real estate company in Iowa. Headquartered in Davenport, Iowa, the company has 280 sales associates and 50 employees based in 11 sales. In addition to residential sales, Ruhl&Ruhl REALTORS offers services in relocation, new home sales, farm and land sales, senior services, real estate investment, mortgage services through 1862 Mortgage and insurance services through the Nelson Brothers Agency. For more information on Ruhl&Ruhl REALTORS, visit their website at www.RuhlHomes.com.
Tags: 1862 Mortgage, agents, buying, Buying a Home, caroline ruhl, home buyer programs, housing market, illinois real estate, iowa real estate, quad cities, Quad Cities Real Estate, Real Estate, Real Estate News, realtors, refinance, refinancing, refinancing your home, ruhl, Ruhl and Ruhl, ruhl&ruhl, Ruhl&Ruhl Realtors, RuhlHomes
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Wednesday, January 18th, 2012
A new financing package is being offered to help all qualified Illinois veterans, active military personnel, reservists and Illinois National Guard Members with the purchase of a home.
The financing package, Welcome Home Heroes, through the Illinois Housing Development Authority provides qualified veterans or active reservists a $10,000 forgivable loan over two years for down payment and closing cost assistance, 30-year fixed rate mortgage that has an affordable interest rate and an optional mortgage credit certificate to reduce federal income tax liability.
“This is a great program that all service personnel should take advantage of,” said Jane Schneider, President of 1862 Mortgage, an IHDA approved lender offering the package. “Time is of the essence, as only $10 Million total is available.”
The Welcome Home Heroes financing package is designed to assist qualified Illinois veterans, who do not need to be first time homebuyers, and active military personnel, reservists and Illinois National Guard members, who must be first time homebuyers. All buyers must qualify based on income and purchase price limits, and the home must be purchased as their primary residence within the state of Illinois.
Interested buyers please contact 1862 Mortgage loan officer, McKenzie Mathews, for additional information at 309.743.8060 or McKenzie.Mathews@1862Mortgage.com.
1862 Mortgage has partnered with Ruhl&Ruhl REALTORS to offer a convenient one-stop experience for both home buying and home financing needs nationwide. 1862 Mortgage is a DBA (Doing Business As) of Shelter Mortgage, an operating subsidiary of Guaranty Bank. As part of a strong and stable bank, 1862 Mortgage offers the promise of longevity and security along with a commitment to service excellence.
A family-owned company since 1862, Ruhl&Ruhl REALTORS annually sells nearly 3,800 homes in eastern Iowa, western Illinois and southwestern Wisconsin and is the largest privately-owned real estate company in Iowa. Headquartered in Davenport, Iowa, the company has 280 sales associates and 50 employees based in 11 sales. In addition to residential sales, Ruhl&Ruhl REALTORS offers services in relocation, new home sales, farm and land sales, senior services, real estate investment, mortgage services through 1862 Mortgage and insurance services through the Nelson Brothers Agency. For more information on Ruhl&Ruhl REALTORS, visit their website at www.RuhlHomes.com.
Tags: 1862 Mortgage, agents, Building, buying, Buying a Home, caroline ruhl, first time buyers, home buyer programs, home search, housing market, illinois real estate, illinois real estate communities, Illinois Real Estate Market, Quad Cities Real Estate, Quad Cities Real Estate Market, Real Estate, Real Estate News, realtors, ruhl, Ruhl and Ruhl, ruhl&ruhl, Ruhl&Ruhl Realtors, RuhlHomes
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Friday, December 16th, 2011
One thing many real estate agents have learned is the importance of having a team of professionals to facilitate a smooth transaction. Having a lending expert on the team, can make available the following services to you…all for FREE:
- They stand ready to screen all potential buyers. Today’s lending landscape is a rapidly changing environment. Programs and requirements are changing regularly. A good loan officer should have a reputation for being on top of current guidelines and finding the best solutions for prospective clients. You need to know that when you accept an offer, the buyer can actually close.
- Financing is an important component to getting a home sold. Whether it’s marketing flyers, carrying costs, unique mortgage strategies (such as buy-downs and Sales Concessions) or even loan programs to differentiate your home (ex. loans that can incorporate monies for the purchase and renovation of a home), the best loan officers take pride in their ability to help increase the number of people for whom your home could be a fit. More prospects equals higher sales prices.
- In so far as a professional loan officer is seen as an educator, they would want to offer you the chance to tune into some of their online seminars (called webinars) and videos. As an example, some lenders have webinars with topics ranging from “How Lenders Look At A Mortgage Application” to “Renovation Lending” to “Getting Your Optimal Credit Score”, as well as videos that can fully explain your Good Faith Estimate. They are constantly striving to be a resource for everyone they come in contact with.
- Lastly, your loan officer knows that most home sellers become home buyers. Not only will they run your credit and analyze your income and assets, but they will also pre-approve you for your next mortgage, typically free of charge.
Did you know that Ruhl&Ruhl is partnered with 1862 Mortgage to make the buying and selling process of your home as seemless as possible. There are many other advantages of choosing a Ruhl&Ruhl agent. Check them out on RuhlHomes.com.
Provided by: KCM Blog
Tags: 1862, 1862 Mortgage, agents, applying for a mortgage, broker-lender, buying, Buying a Home, caroline ruhl, first time buyers, home, home buyer programs, home lender, housing market, illinois real estate, iowa real estate, mortgage application, quad cities, Quad Cities Real Estate, Real Estate, realtors, ruhl, Ruhl and Ruhl, ruhl&ruhl, Ruhl&Ruhl Realtors, RuhlHomes, selling, selling your home
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Friday, November 4th, 2011
Ruhl&Ruhl realizes that when the idea or dream of purchasing a home starts to circle around in your mind, majority of the time the title above does not accompany that thought. And while this type of situation is unbelievably frustrating, keep in mind that you do have options. Ruhl&Ruhl Realtors along with 1862 Mortgage is here to help.
Let’s start from the beginning, say you have begun your home search and you meet with a Lender. That Lender will review your credit along with income and assets to determine if you qualify for a new loan. What happens when you find out you do not qualify?
First, find out what steps you will need to take to get qualified. These may vary and include a credit improvement plan, a savings plan to accumulate your down payment and closing costs and/or a plan for how long you must be on your job or earning variable income.
These are steps that you can work on to become a preferred buyer. They may take a few months or a few years, if you have had a more serious credit event such as a recent foreclosure or bankruptcy. However isn’t it important to get and work on a plan if you truly want to purchase a home?
An important thing to keep in mind is that you will want to find and work with a lender that has the time to assist you in making these steps a reality. You do need to know there is no “Magic Bullet” and that it will take work and discipline on your part.
Mortgage qualification guidelines are still constantly changing and in most cases tightening. It may not get easier for anyone to qualify for a mortgage loan in the short term. We at Ruhl&Ruhl Realtors partnered with 1862 Mortgage will always be here to help you achieve that next step. The pre-approval process is completely free. Our 1862 Mortgage Loan Officers are trained to help you improve and plan so you can work towards the goal of homeownership.
Please call 563-441-1776 or visit RuhlHomes.com/Mortgages to get pre-approved or to speak with a loan officer today.
some infomration provided from Allen Tate Blog.
Tags: 1862 Mortgage, buying, Buying a Home, caroline ruhl, first time buyers, home buyer programs, home loan, mortgage, mortgage loan, mortgage pre-approval, pre-approval, realtors, ruhl, Ruhl and Ruhl, ruhl&ruhl, Ruhl&Ruhl Realtors, RuhlHomes
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Tuesday, November 1st, 2011
There is a popular saying that exists and while the latter half of the saying varies depending on time, date and season, it always begins with “It’s hard to imagine …”
For instance, you could be driving along, staring at the snow-covered landscape and someone will chirp up and say, “It’s hard to imagine that in six months time these trees will be covered in leaves.” Being inspired by a client tutorial many first time home buyers will say “It’s hard to imagine that just a little over a month ago I was starting the process of buying my first home”.
Ruhl&Ruhl has taken the topic of buying a home for the first time and broken it down into top 10 tips that we think will be the most beneficial for all who take on this adventure.
- Talk with a Realtor®. They know the ins and outs of real estate and can give you all of the facts to help make the best decision for yourself.
- Keep an open mind. As a first-time homebuyer, it’s important to understand that you won’t be living in the same home forever. It’s your first home so you will have to compromise.
- Check your credit score. Imagine navigating a new area without a map. Well, that would be like searching for homes without knowing what home you can afford. Your credit score gives you an indication of your price point so be sure to get this in order before you start.
- Do the white glove test. Buying a home is one of the biggest purchase decisions you will ever make so inspect the property thoroughly, white gloves and all.
- Location affects price. The closer you get to a popular area, the more you’ll spend. In a less trendy location, you’ll find a larger house for the same money. This falls under compromising.
- Check out the area. You should visit the area at several times during the day: in the morning afternoon and evening. This may help you determine what the area is like as far as traffic during the work commute and for safety at night.
- Get pre-qualified. This way, going into the home search process you will be prepared for exactly what you can afford.
- Better safe than sorry. If you aren’t the Bob Vila type, look into getting a home warranty. A home warranty can help cover major repairs like a leaky roof, a heating or air conditioning system, appliance breakdowns and electrical problems, just to name a few. As a new homeowner, you don’t need surprise expenses.
- Insurance isn’t one-size-fits-all. If you want coverage that is personalized to suit your needs and budget, go with an independent insurance agent, who works with many carriers and can offer more options.
- Offer is more than price. An offer is much more than a price you put forth to a seller. It involves warranties and fees and due diligence and everything in between.
When the adventure is done and you are finally settled into your new home, something that you purchased and worked so hard to achieve, Ruhl&Ruhl hopes that for every client they sit back and think, “It’s hard to imagine not being a homeowner”.
For all real estate, mortgage or insurance needs please visit RuhlHomes.com.
Tags: agents, buying, Buying a Home, caroline ruhl, home, home buyer programs, illinois real estate, iowa real estate, quad cities, Quad Cities Real Estate, realtors, ruhl, Ruhl and Ruhl, ruhl&ruhl, Ruhl&Ruhl Realtors, RuhlHomes
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