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Ruhl&Ruhl REALTORS Ranked Iowa’s Largest Privately Owned Real Estate Company

Tuesday, April 17th, 2012

Ruhl&Ruhl REALTORS was once again ranked the largest privately-owned real estate company in Iowa, according to RISMedia’s 2012 Power Broker Report.

The report ranks the top 300 real estate companies in the country according to the number of transactions and sales volume.  Ruhl&Ruhl ranked 93rd in the country for the number of transactions closed, which was 4,152 in 2011.

Other Iowa Companies Ranked as follows.

Company Name

Transactions Rank

Transactions

Sales Volume

Total Offices

Total Agents

Transactions per Agent
Ruhl&Ruhl REALTORS

93

4,152

$593,082,327

11

275

15.1
Skogman Realty, Cedar Rapids

136

3,151

$495,969,414

5

221

14.26
Mel Foster Co., Quad Cities

150

2,939

$419,362,790

9

231

12.72
Coldwell Banker Mid-America Group, REALTORS, Des Moines

186

2,530

$385,564,406

5

186

13.6

 

“2011 was a wonderful year for Ruhl&Ruhl REALTORS – our sales volume grew by 7.3% and we had 6.8% more transactions than the prior year,” said Caroline Ruhl, President of Ruhl&Ruhl REALTORS. “And it looks like 2012 will be even better! For the first quarter sales volume closed was up 50.5% over the first quarter of 2011 and 39.9% more transactions were closed.”

On average, Ruhl&Ruhl agents sold 15.1 properties per agent, as either listing or selling agents, which places Ruhl&Ruhl agents among the most productive in the country. The National Association of Realtors reports an average of 7 sales per agent nationally.

“We are excited and proud to earn this ranking,” Ruhl said. “I have been blessed to be surrounded by the best people in our business. At the end of the day, it always comes down to having the right people.”

To view the 2012 Power Broker Report visit this link, http://remag.rismedia.com/t/14873.

A family-owned company since 1862, Ruhl&Ruhl REALTORS has grown to 279 sales associates, 58 employees and eleven offices, selling more than 4,100 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.

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House Sales in the U.S.

Tuesday, March 13th, 2012

Ruhl&Ruhl

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Keep checking RuhlHomes.com for the most up to date information on the housing market.

 

Graphic provided by: KCM Blog

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Home Prices Continue to be Strong in our Markets

Wednesday, March 7th, 2012

Our local markets are reaping the benefits of stronger home prices compared to the rest of the country, ranking in the top 15% in the nation.

Nationally home prices have fallen 19.16% in the last five years, but all of our markets’ home prices are up: 7.84% in Dubuque; 3.25% in the Quad Cities; 3.04% in Iowa City; and 1.72% in Cedar Rapids. This compares to other cities: Des Moines, IA down 2.34%; Chicago, IL down 22.86%; and the Daytona Beach, FL area down 46.24%.

According to the Federal Housing Finance Agency, of the 306 MSA’s (Metropolitan Statistical Areas) ranked by home price appreciation, all of our markets in eastern Iowa ranked in the top 15% in the nation – Dubuque at 4th, Iowa City at 16th; the Quad Cities at 45th; and Cedar Rapids at 47th.

Analysts report that although there was an overall decline, 12 states showed price increases this quarter, which shows that real estate markets are seeing some signs of life. Our local markets continue to provide a much more stable environment for purchasing homes and investing in real estate. In fact, our current listing inventory is declining and multiple offers are being seen on existing properties for sale. Now is the time to start your home search and get your property listed in our markets, noted Caroline Ruhl, President of Ruhl&Ruhl REALTORS.    

A family-owned company since 1862, Ruhl&Ruhl REALTORS has grown to more than 275 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.

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Is It Time for Young Families to Buy a Home?

Wednesday, February 22nd, 2012
Ruhl&Ruhl Realtors Young Family

Ruhl&Ruhl Realtors believes now is the time for young families to buy a home!

We have reported that almost six million adults between the ages of 25 to 34 are currently living with their parents. That number reflects an almost 50% increase since 2003. These young adults are now being advised to jump into homeownership.

Who are the people selling them on the American Dream? Their parents! It seems that parents of some adult children are strongly suggesting that their children take advantage of the low cost of homeownership available today. Some moms and dads are helping financially and are even co-signing for the mortgage. Middle age parents who have owned a home understand its true value. A home has always been a good long term financial investment. However, homeownership also has many other benefits.

In Fannie Mae’s most recent National Housing Survey, they asked the question directly: Is this a major reason to buy a home?

The study broke up the answers into financial and non-financial reasons. The top four reasons and six of the top ten reasons were NON-FINANCIAL. The top four are below:

  1. It means having a good place to raise children and provide a good education.
  2. You have a physical structure where you and your family feel safe.
  3. It allows you to have more space for your family.
  4. It gives you control over what you do with your living space (renovations & updates).

Should this surprise us? Aren’t these the same reasons our parents bought their home? Aren’t these the same reasons we purchased our home? These are the same reasons parents have suggested their children buy a home. They want the same things for their grandchildren that they believed to be important for their children.

And today, the cost of homeownership is at all time lows:

J.P. Morgan

“The numbers on housing have an important message for American families today, and particularly younger families setting out on life’s great adventure: Five years ago, at the peak of the home-buying euphoria, it was emphatically a time to rent. Today, when home ownership is depreciated more than ever before, the numbers tell us it is a time to buy.”

MSNBC.com

“[S]omeone who plans on staying put for seven years would come out ahead by about $9,000 if they bought a median-priced home rather than being a tenant in a median-priced rental.”

HUD

“Homes today are more affordable for average families than they have been since 1971. Median-income families today have nearly double the funds needed to purchase the average home.”

Bottom Line

Now that the economy is beginning to show signs of stabilizing, people are getting back to the core values that families have always embraced. Homeownership is definitely high on that list. And today, from a financial standpoint, it may be the opportunity of a lifetime.

For the most up to date information on the housing market.  Keep checking RuhlHomes.com.

Courtesy of KCM Blog.com

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Where Are Rents Headed?

Tuesday, February 14th, 2012

People are delaying the decision to buy a home because they are not sure where prices are headed. If they buy and prices continue to soften, they feel that they will not have purchased at the optimal moment. They reason that, if they sit and wait, they can’t be hurt. This thinking assumes that a non-decision comes without consequence.

The normal retort to this thinking by people bullish on real estate is that prices may soon turn to the positive or that interest rates will start heading upward. Buy now before the cost of buying increases! Today, we want to look at this from a different angle. We want to alert our readers that their housing expense is about to increase if they continue to rent.

Currently, in most parts of the country, buying is less expensive than renting. Plus, purchasers can lock in their housing expense for the next thirty years by buying now. They will get a sensational price and a record low interest rate. What will happen if they continue to rent?

The Alternative to Buying

If a family continues to rent, they are looking at a housing expense which will rise with the market. Rental costs increase by 3% a year historically. But today’s rental market favors the landlord to a greater degree. Below is a graph of how rental prices have increased recently and where they are projected to go over the next few years based on a report from Marcus & Millichap.

 

Bottom Line

Hoping to save by delaying the purchase of a home may result in higher housing costs while you’re waiting, thus achieving the exact opposite result. Check with a local real estate professional to determine the best option for you and your family.

Visit RuhlHomes.com for the most up to date information on the housing market and to search active properties in the surrounding area.

Blog provided by: KCM Blog

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New Construction Inventory Falling

Friday, February 10th, 2012

Across the region served by Ruhl&Ruhl REALTORS, new home sales dropped by an average of nearly 14% (see chart below for more detail) while Ruhl&Ruhl REALTORS experienced a company-wide increase of over 6% in unit sales for the year.  Price level preferences were consistent with sales in the Quad Cities market, but the rest of the region expressed a much stronger preference for ranch style homes; at over 90% of sales in most areas. Inventory levels across the region fell by nearly 30%, compared to last year.   

The Quad Cities Area Realtor Association’s Multiple Listing Service sales and inventory figures for new homes in the Quad Cities have been compiled and the overall results for 2011 reflect a decrease in both sales and year-end inventory levels. 

Inventory of New Construction at the end of 2011 dropped 16% from a year ago, with available new houses down 29%.  Inventory of available condos is at the same level as this time last year.  Scott County is home to 79% of the 114 new homes listed on the MLS.  Overall unit sales in the market dropped by 20% when compared with 2010, with new house sales down 28% and new condo sales down 1%.  Scott County experienced a 29% decrease in houses and a 3% decrease in condos for a combined drop of 22%.  Rock Island County saw an 18% drop in houses and a 9% increase in condos for a net decrease of 4%. 

Ranch style houses represented 48% of sales.  Of the combined total of 217 new construction home sales reported by the MLS; 136 (63%) were houses and 81 (37%) were condos.  Scott County reported 196 (90%) of the total sales for both counties.  The most active price range for new houses remained from $200,000 to $300,000, followed by $300,000 to $400,000.  These two ranges together represented nearly 57% of new house sales in 2011, but when compared with 2010 results, they also combined for 75% of the total sales decline in 2011.  In 2010, they represented 62% of house sales.  Condo sales were dominated by sales below the $175,000 level with 65% of sales falling under that point.

A family-owned company since 1862, Ruhl&Ruhl REALTORS has grown to more than 275 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, visit their website at www.RuhlHomes.com.

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Ruhl&Ruhl REALTORS Celebrates Sales Growth in 2011

Wednesday, February 8th, 2012

Caroline Ruhl, President of Ruhl&Ruhl REALTORS, congratulated her sales associates and staff on an amazing 2011. “While business was down in most of our markets and at most competing real estate companies, business was up at Ruhl&Ruhl REALTORS!”

 

Ruhl credited her company’s success to her extraordinary people:  “The Ruhl&Ruhl difference is truly found in the compassion, expertise and commitment of our people, from agents to staff to management to loan officers.  You out-worked and out-smarted and out-serviced the competition.  At the end of the day, it always comes down to having the best people.  Thank you for your wonderful service, your hard work and your loyalty.”

The company also celebrated their 150th birthday.  The Ruhl family has been helping other families in the region since 1862.  “With our 4th and 5th generations of family ownership and leadership, we look forward to serving the people and communities we love for many generations to come,” commented Caroline Ruhl.

The company celebrated at an awards brunch at the Waterfront Convention Center in Bettendorf. They honored and recognized 173 award winners for their 2011 achievements.

 1.            Growth in Number of Properties Sold

Ruhl&Ruhl REALTORS sold 4,360 properties in 2011, as either listing agent or selling agent. 

This was 6.8% more transactions than in 2010. 

 In the Quad Cities MLS (Multiple Listing Service), 2% fewer properties were sold in 2011 than in 2010.

2.            Sales Volume Up 7.3%

Ruhl&Ruhl REALTORS’ sales volume in 2011 was $593,082,327, 7.3% higher than sales volume in 2010.

Residential sales volume was down 4% in the Quad Cities MLS.

 3.            Properties Listed Up 4.3%

Ruhl&Ruhl REALTORS sales associates listed 3,317 properties for sale in 2011, 4.3% more than they listed in 2010.

4.            More Great Sales Associates and Staff

While the number of agents went down in the 12 Boards of Realtors/MLS’s that the company belongs to, Ruhl&Ruhl REALTORS added a net of 24 sales associates, growing our agent base from 251 as of December 31, 2010 to 275 agents as of December 31, 2011.  In addition, 58 dedicated employees work for the company.

5.            Revenue Up 9.5%

 Revenue in a real estate company is primarily gross commission income, or GCI. Ruhl&Ruhl REALTORS’ 2011 GCI was up 9.5% over 2010.

 6.            29.4% of Ruhl Buyers Used 1862 Mortgage

 1862 Mortgage is Ruhl&Ruhl REALTORS’ in-house mortgage company. 29.4% of Ruhl’s buyers with financing used 1862 Mortgage during 2011.

 7.            Gains in Market Share

Ruhl&Ruhl REALTORS had 36.74% of the Quad Cities residential market in 2011, up from 33.85% in 2010. Their largest competitor, Mel Foster Co., saw market share fall from 37.44% to 34.46%, making Ruhl&Ruhl REALTORS the largest residential broker in the Quad Cities.  Market share in the Iowa Quad Cities grew from 37.5% to 41.05% for Ruhl&Ruhl REALTORS.  In the Illinois Quad Cities, market share grew from 26.4% to 27.6%.

In the Muscatine MLS, Ruhl&Ruhl REALTORS’ market share grew from 36% in 2010 to 39% in 2011. 

8.            Per Agent Productivity Among Best in the Nation

On average, Ruhl agents sold 15.1 properties per agent, as either listing or selling agents. This places Ruhl agents among the most productive in the country. The National Association of Realtors reports an average of 7 sales per agent nationally.

 9.            New Construction Sales Up 6.1%

Ruhl&Ruhl REALTORS sold 243 new construction homes or condos in 2011, up from 229 in 2010. New construction sales volume was $71,271,090 with an average price of $293,297.  New construction sales were down 20% in the Quad Cities.

 10.          Outlook for 2012

Caroline Ruhl expects 2012 to be an even better year, both for the regional real estate market, and for Ruhl&Ruhl REALTORS.

“If January, 2012 is any indication, it’s going to be a great year!  New business pended in January was up 47% in sales volume and 34% in number of properties sold at Ruhl&Ruhl REALTORS.  And revenue (closed gross commission income) was up 81% based on 69% more properties sold,” said Ruhl.

“Why is this the busiest winter market in years?  For starters, spring like weather in January works wonders for people’s attitudes and interest in looking at real estate.  Then factor in the lowest interest rates in history – 3.875% for 30 years, no points and 3.375% for 15 years, no points.  And finally some good news on the unemployment front, so buyer confidence is improving.  We’re actually seeing multiple offers again and a shortage of listings in some price ranges and locations.  My advice is refinance if you haven’t already done so and invest in residential real estate.  We see strong growth potential in our property values and tremendous demand for rentals.”


Ruhl&Ruhl REALTORS Congratulates 2011 Award Winners

Ruhl&Ruhl REALTORS honored and recognized 173 award winners for their 2011 achievements at the Waterfront Convention Center on Friday morning, February 3, 2012.  The top honors were awarded to:

Top Residential Associate of the Year: Quadruple Diamond Club – Jon Loquist, Moline Office

Top Excellence in Service Award: Melissa Wegener, Davenport Office

Extraordinary Production Award: Janet Munck, Clinton Office

New Associate of the Year: Craig Newcomb, Bettendorf Office

Top Associate of the Year – Farm Division: Ken Paper, Davenport Office

Employee of the Year: Sally Atwell, Executive Assistant, Corporate Office

Top 1862 Mortgage Associate of the Year: Ray McDevitt, Bettendorf Office

Top Insurance Referral Agent: Rick Weipert, Bettendorf Office

There is a complete list of all award winners on Ruhl&Ruhl’s website at
www.RuhlHomes.com/Agent-Achievements.

A family-owned company since 1862, Ruhl&Ruhl REALTORS has grown to more than 275 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, visit their website at www.RuhlHomes.com.

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Iowa housing market stable

Wednesday, January 25th, 2012

The Iowa Association of Realtors is reporting a glimmer of positive news in its annual 2011 Housing Trends Report, out this month.

It says home sales were up statewide in December, for the fifth consecutive month, and steady throughout 2011.

Rob Cook is a realtor for Ruhl&Ruhl REALTORS in Dubuque, a real estate blogger and self-proclaimed “numbers guy.”

He pulled statistics from the Federal Housing Finance Agency (FHFA), showing Dubuque is number two in the nation when it comes to high rates of house appreciation.

Those numbers show the average home in Dubuque appreciated 2.46 percent in one year, through Sept. 2011, and 8.06 percent over the course of five years. Bismark, N.D., by the way, took top marks, with a 15.99 percent five-year average appreciation.

In Dubuque, Cook said, “our average sale price right now is about $155,000, give or take, and we’ve sold just shy of 800 homes in each of the last three years in the Dubuque city: zip codes 52001, 52002, 52003.”

A map of the US from the FHFA shows each state’s average home value appreciation over the course of 12 months, from the third quarter of 2010 to the third quarter of 2011.

“The whole state’s doing relatively well compared to the rest of the country,” Cook said.

Iowa is only one of four states that didn’t experience depreciating home values. The average Iowa home over the course of that period went up 1.3 percent in value, according to the FHFA. The average Nebraska house appreciated 0.5 percent, Wyoming saw a 2.9 percent increase and North Dakota came in first place, with a 5.4 percent increase.

“When you buy a house, buy a car, buy a boat, there’s always a risk that it’s going to depreciate or not appreciate like you had planned,” Cook said.

Iowa, he said, on average, has a stable housing market.

Mel Graves is a realtor with Brissey in Dubuque and secretary and treasurer of the Dubuque Board of Realtors.

He pointed out 2011 was the first year without any tax credit incentives for home buyers, “so this is a pure year, this is just market-driven,” he said.

Graves said he has noticed a slight increase in consumer confidence.

“It seems to me that people are now beginning to say, ‘I need to make that decision I’ve been holding off on, I am comfortable that my job’s going to be there, and I’m going to go ahead,’” Graves said. “That’s significant. When they can do that, then they can go ahead and make some plans.”

He said insurance rates continue to be low, which is encouraging for buyers.

The total number of home sales in Iowa for 2011 increased 0.4 percent from 2010.

Regardless of state or national housing market numbers, however, Cook suggests buyers and sellers look at their own particular market.

“They need to be fully aware of what’s going on in their market and not pay attention so much to the national news, you know, as far as, you know, both real estate thing and the economy overall,” Cook said. “It’s a factor, but, you know, it’s kind of like what they say with the realtor ads, you know, ‘All real estate is local.’”

The Iowa Association of Realtors said, as of December, the average days on the market for a house in Iowa was 112. That’s the same as it was in 2010, according to the association.

Ruhl&Ruhl REALTORS completely supports Rob’s statement and so do the numbers! Check out our latest Facts&Trends edition coming out the first week of February.  If you would like to recieve Facts&Trends please visit RuhlHomes.com.

Article provided by: KWWL.com

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One in Five Baby Boomers Gifting or Loaning Money to Children or Grandchildren to Help Buy Homes

Wednesday, December 28th, 2011

A national survey commissioned by Better Homes and Gardens® Real Estate has found that baby boomers are part of a growing trend in which they are helping their children or grandchildren become home buyers.  According to the survey, one in five baby boomers have already gifted, loaned or co-signed a loan to support their children or grandchildren in purchasing a home, and more than two-thirds of baby boomers want to provide this type of support in the future.

“With historically low interest rates and competitive listing prices, now is a great time to invest in real estate for those in a position to do so.  However, in today’s economy saving money for a down payment can be a struggle for young adults.  Baby boomers are a unique generation that has driven the economy for the past 30 years.  Our data shows that they are using what they’ve earned and what they’ve learned to invest in the future and help their children and grandchildren realize the American Dream of Homeownership”, notes Sherry Chris, CEO of Better Homes and Gardens® Real Estate, LLC.

Aside from the good investment rationale, baby boomer respondents cited that the willingness to provide financial support to their children and/or grandchildren was out of love.  By providing financial support to assist in the home buying process, respondents stated that they could ensure their children and/or grandchildren would benefit from their estate and fulfill a large part of achieving the American dream.

Key findings from the baby boomer survey include:                                              

  • One in five baby boomers have already gifted, loaned or co-signed a loan to their children or grandchildren for a down payment on a home.
  • Looking ahead, one in 10 baby boomers say they will “defiantly” provide their children or grandchildren with financial support for a down payment on a home, and at last half hope to do so.
    • In total, more than two-thirds (68%) of all baby boomers said they want to provide future financial support for their children or grandchildren to purchase a home.
    • Those who have already provided past support are also most confident that they will do so again.
    • Highest interest in providing support is reported among younger (age 45-54), more affluent (household income of $75,000+) baby boomers who have at least one adult child (age 18-34).
    • Baby boomers are driven to provide financial support primarily by their belief in the overall investment value for them and/or their children or grandchildren, and the role homeownership plays in fulfilling the American dream.
    • Older (age 55+) and more affluent ($100,000+ household income) baby boomers are more likely than their younger or less affluent counterparts to have previously provided financial support.
    • Across prior support and future interest, baby boomers show more interest in “gifting” or loaning money; they are least interested in co-signing loans.

 

Again, the importance of homeownership goes much further than the economy; it is still all about establishing and maintaining that American dream.

To read further on this topic please visit the Better Homes and Gardens® real estate blog and for the most current information on the housing market, keep checking RuhlHomes.com.

Some information and stats provided by Better Homes and Gardens®.

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Home Prices Strong in our Markets

Tuesday, December 6th, 2011

Home prices in our markets continue to be resilient when compared to the rest of the country, ranking in the top 16% in the nation.

Nationally home prices have fallen 18.56% in the last five years, but all of our markets’ home prices are up: 8.06% in Dubuque; 5.23% in the Quad Cities; 2.39% in Cedar Rapids; and 2.27% in Iowa City. This compares to other cities: Chicago, IL down 21.93%; Fresno, CA down 47.22% and the Daytona Beach, FL area down 48.67%

According to the Federal Housing Finance Agency, of the 306 MSA’s (Metropolitan Statistical Areas) ranked by home price appreciation, all of our markets in eastern Iowa ranked in the top 16% in the nation – Dubuque at 2nd, the Quad Cities at 12th; Iowa City at 40th; and Cedar Rapids at 50th.

Analysts report that 3rd quarter home values were relatively stable and those markets that have shown sharp declines appear to be on the upswing. Our local markets continue to provide a much more stable environment for purchasing homes and investing in real estate.

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. Caroline Ruhl is the President and owner of Ruhl&Ruhl REALTORS, and is the fourth generation of the Ruhl family to lead the residential brokerage and home services company.  Headquartered in Davenport, Iowa, the company has 280 sales associates and 50 employees based in sales offices located in Bettendorf, Burlington, Cedar Rapids, Clinton, Coralville, Davenport, DeWitt, Dubuque, Maquoketa, and Muscatine, in Iowa, and in Moline, Illinois. 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.

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