Ruhl Blog | Ruhl & Ruhl Realtors
Ollie Dent

Scammers are tricking people out of enormous payments as they're about to close on a house

Wednesday, September 05, 2018

It's a nightmare scenario for any homebuyer: the day before closing, a scammer manages to trick you into wiring your down payment to an offshore account. You lose your hard-earned money and you lose the house, and there's no way you can get either one back.

That's how some criminals have adapted the common "business email compromise" scam – so-named because it used to almost exclusively target businesses – to focus on individuals, especially people who are involved in a pending real estate transaction.

CNBC spoke with two victims of this type of crime who wished to remain anonymous. They were devastated to lose six-figure sums, their dream homes and in one case, the bulk of the individual's life savings.

And it's a crime that is growing, according to Ryan Kalember, senior vice president of cybersecurity strategy for email security company Proofpoint, which tracks cybercrimes perpetrated over email. Kalember has observed attempts at this type of crime have risen to a level 14 times higher than last year. The Federal Bureau of Investigation has also warned several times this year that email compromise schemes are spiking, which includes this type of real estate fraud.

How criminals fool homebuyers

Here's how it often works: a person involved in a real estate transaction, such as a real estate attorney or realtor, has his or her email account compromised by malicious software, known as malware, sent by a criminal over email. Unbeknownst to the professional, the fraudster can now monitor the realtor's emails to look for upcoming transactions.

Next, just as a closing date is coming near, the fraudster uses the compromised email account to send a legitimate-looking message to the buyer – which, coming directly from the realtor or attorney's account, appears real. The note tells the buyer that there's been a change of plans, and he or she needs to wire the down payment just before the closing date, supposedly to a bank account belonging to the seller.

But the account actually belongs to the criminal, and is typically overseas, out of the reach of U.S. law enforcement, Kalember said.

In some cases, Kalember said, criminals even follow up with phone calls to the victim buyers, purporting to be from a representative for the title company or seller's law office, and reassuring them the wire transfer request is real.

"The technical skill level is near zero for this crime, but the operational sophistication is very high," Kalember said. "That means that the phishing kits and other technical tools are freely available on the internet, but they are investing more time and effort into taking steps to trick the consumer."

The reason is clear. The immediate payout for the criminal is lucrative, often far more than other types of scams against individuals.

Gone forever

"It's important to remember that in these cases, they lose the funds permanently," said Kalember.

That's what makes the consequences for this type of scam much higher for consumers than most other cyberattacks. Consumers rarely see significant financial fallout from having their data, even financial information, stolen and used by criminals, because banks typically reimburse customers for fraud that occurs on their account due to stolen or compromised checking, savings or credit card numbers.

But banks are rarely are responsible for a wire authorized by the customer, even if the customer was tricked into sending it. And if the funds are overseas, there's little U.S. law enforcement can do to recover it.

What you can do

According to the FBI, email compromise crimes, including similar attacks on businesses, have been "spiking" in the past year. Between December 2016 and May 2018, businesses and consumers reported a 136% increase in losses related to these crimes. The fraudulent transfers have been sent globally, to 115 countries, the FBI said. Since 2013, losses to these types of crimes have topped $12 billion.

There are steps homebuyers should take to make sure they are protecting themselves from falling victim to fraudsters, according to Kalember and the FBI.

  • Be vigilant: Homebuyers should first just be aware that they may be a targeted by scammers in this manner, and should act accordingly to verify any suspicious correspondence associated with their home purchase or sale. 
  • Voice verify: It might seem cumbersome in an already long homebuying process, but following up emails with a voice verification is a must, Kalember said. That's especially true if the email involves e-signing a document, logging into a new website, transacting money or supplying any kind of financial information.
  • Talk to your bank: While not all banks may follow the guidelines you suggest, most will honor your request to not allow any wire transfers without a voice verification or other checkpoint from you. This is especially true for business accounts, but even individuals going through a real estate transaction can request a note be added to their primary accounts to put additional steps in place before allowing wire transactions to go through. 
  • Don't react immediately to email: Emails asking you to take some type of action, purporting to be from the title company, attorneys, realtors, bank lawyers or others involved in a transaction may not be authentic. Regard any of them with suspicion, and you should follow up on known phone numbers for the individuals making the request to confirm.

If you're ever uncertain of what to do when you receive an e-mail, give us a call. We're here to help you through the process however we can.

(866) 441-1776
customerservice@ruhlhomes.com

Source: CNBC


First Time Home Buyers: Need v Want

Friday, July 27, 2018

When shopping for your dream home, it is crucial to have your priorities listed out before embarking on your search. Spending the extra time upfront will save you headaches and heartbreaks down the road.

When determining what you need versus want, your first step should be getting pre-approved for your mortgage. This provides you with a clear budget and makes sure that you don’t fall in love with a home that is out of your price range.

The next step is to create a lists of your needs and wants. Once you have a list, the most important step of this process is figuring out why your needs are needs and why your wants are wants.

For example, you might think you need a three-car garage because you need the extra space for storage, but a basement or attic storage space would work just as well. Thinking that you need a three-car garage is problematic because your agent will search for houses with that feature and will often times raise your overall price point.  

Homes are flying off the shelf in our area. Having a list will help you and your agent move quickly to secure the home of your dreams.Contact us at 1.866.441.1776 or customerservice@ruhlhomes.com to be put in touch with a local, trusted expert!
 


A Tale of Two Markets

Friday, July 20, 2018


Although our area has not experienced the rollercoaster of appreciation as the other parts of the country has, homes in the area have seen a steady increase in value. While there are many factors contributing to this appreciation, the main driver is a result of supply and demand.

The real estate industry uses supply and demand to determine the current state of the market. Typically, if there is a surplus of homes in the desired price range, then it is a buyer’s market. Similar to going to the grocery store, if there are more options and more competition, then the prices will be lower, and the buyer has more power.

Vice versa, if there is a shortage of those same homes, then the market shifts to a seller’s market. “Years of low inventory and pent-up buyer demand have resulted in a seller’s market in the affordable price ranges across many of our local areas,” said Caroline Ruhl, CEO of Ruhl&Ruhl Realtors.

We are mainly seeing the shortage of inventory in the more affordable price points. The upper price points simply do not have the same amount of demand. This trend is visible when looking at the average days on market. Typically homes in the upper third sit on the market for 66% longer than its lower counterpart.

Before listing your home or looking to buy a new one, it is important to understand the current market conditions, so you can get the most out of your money.

Contact us at 1.866.441.1776 or customerservice@ruhlhomes.com to be put in touch with a local, trusted expert!


Home Price Appreciation is Strong and Stable in our Region

Friday, July 06, 2018

 

Five-year home appreciation in our region was between 10.36% and 15.26% with all of our regional Metropolitan Statistical Areas experiencing a positive gain.

“Home prices continue to rise across the U.S. but there are signs of tapering,” said Dr. William Doerner, Senior Economist. “Since housing markets began to rebound in 2012, house price appreciation has been positive because demand has outpaced supply. In the last month, however, some regions reflect a slowing or even flattening of house price growth.”

In the past year, home prices are up: 5.14% in
Dubuque; 3.11% in Iowa City; 1.89% in the Quad Cities and 3.26% in Cedar Rapids. This compares to other cities: Des Moines, IA up 4.61% and Chicago, IL up 4.50%. This data is provided by the FHFA for the first quarter of 2018 (see chart and website below).  Of course, there is considerable variation based on price range and location of properties, with more affordable properties appreciating more.

Metropolitan Statistical Areas (MSAs)

Percent Change in House Prices
  1 Year 5 Year
Cedar Rapids, IA + 3.26% + 10.36%
Davenport-Moline-Rock Island, IA-IL + 1.89% + 10.41%
Des Moines-West Des Moines, IA + 4.61% + 21.73%
Dubuque, IA + 5.14% + 12.38%
Iowa City, IA + 3.11% + 15.26%
USA + 6.89% + 34.25

Information courtesy of the Federal Housing Finance Agency (FHFA) for the first quarter of 2018. FHFA stats always run one quarter behind. Their full report is available at www.fhfa.gov. *Rankings based on annual percentage change in house prices.

“Years of low inventory and pent up buyer demand have resulted in a Seller’s Market in the affordable price ranges across many of our local areas,” said Caroline Ruhl, President of Ruhl&Ruhl Realtors. “We are unsure of how long this trend will continue, especially given the trends with mortgage rates. We urge people who are on the fence about selling their home to contact your local real estate professional for a free market analysis.”

Wondering how appreciation has affected your home? Contact your
Ruhl&Ruhl Realtor to receive your free market analysis! Or contact us at 1.866.441.1776 or customerservice@ruhlhomes.com to be put in touch with a local, trusted expert!
 



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      1. Scammers are tricking people out of enormous payments as they're about to close on a house
    2. AUG (1)
      1. Move From the Life You Have to the Life of Your Dreams
    3. JUL (3)
      1. First Time Home Buyers: Need v Want
      2. A Tale of Two Markets
      3. Home Price Appreciation is Strong and Stable in our Region
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      1. The Cost of NOT Owning Your Home
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      3. Why a Pre-Inspection Saves You Time and Money
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      5. Fall 2017 QCBR Parade of Homes
      6. Iowa Cropland Values Up in Last Year
      7. 5 Costs to Consider When Buying a Home
    4. SEP (4)
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      4. FSBOs Don’t Save Real Estate Commission
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      2. 5 Things to Look for in Your First Home
      3. Condo Sales Set the Pace in New Construction Market
      4. Eight Things Homesellers Risk When They For Sale By Owner
      5. Record Breaking Sales and Home Prices Appreciating
      6. Happy 40th Anniversary Roni!
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      8. What's Holding Millennials Back from Buying?
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      2. Iowa Cropland Values Up in Last Six Months
      3. Ruhl 2017 Blood Drive
      4. First-Time Homebuyers Savings Program and What it Means for You
      5. Ruhl&Ruhl Realtors Opens Office in Galena
      6. Regional New Homes Market off to a Good Start in 2017
      7. Luxurious Apartment Living with a View
      8. The Quad Cities Experiences the Largest One-Year Gain in Region
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      1. Six Reasons We Should Stop Celebrating Numbers and Start Championing Service
      2. Best Time to Sell Ever
      3. Spring 2017 QCBR Parade of Homes
      4. Ruhl&Ruhl Realtors Ranks as Iowa’s Largest Privately-Owned Real Estate Company
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      2. The Quad Cities Experiences the Largest One-Year Gain in Region
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      3. Ruhl&Ruhl Realtors Celebrates Best Year Ever!
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      1. 8 Home Improvement Skills to Master Before Moving In
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      2. Baby Boomers Finding Freedom in Retirement
      3. Ruhl Gives Back for the Holidays
      4. Buying is Now 37.7% Cheaper than Renting in the U.S.
      5. Why Getting Pre-Approved Should Be Your First Step
    2. NOV (7)
      1. 5 Reasons to Hire a Ruhl&Ruhl Realtor
      2. High Demand for Affordable Housing
      3. Tales from the Empty Nest
      4. New Homes Market Steadies Regionally
      5. Community Partnership Sets Goal to Revitalize South of Six
      6. Think All Millennials Live in Their Parent's Basement? Think Again!
      7. 2016 In Review
    3. OCT (7)
      1. Preview: What to Expect in 2017
      2. Your Home Buying Wish List
      3. Regional Cities Offer Homeowner Discounts
      4. 5 Reasons To Use a Realtor
      5. Who is Ruhl&Ruhl Realtors?
      6. How Supply & Demand Impacts the Real Estate Market
      7. Land Values Decrease in Iowa
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      1. The Future of Real Estate
      2. Our Corridor Offices Ruhl at Excellence in Service!
      3. The Time to Sell is NOW!
      4. Start the Mortgage Process Today
      5. Energy Efficiency and You
      6. Fall 2016 QCBR Parade of Homes
      7. Our Quad City Offices Ruhl at Excellence in Service!
    5. AUG (8)
      1. Real Estate In Iowa and the Quad Cities Area Shifting to Attract a Younger Generation
      2. Ruhl Agents Care About Community Schools
      3. Why Invest In Land
      4. Staycation in Newbo
      5. Ruhl Markets GREAT for First-Time Homebuyers
      6. Three Ways the Internet Can Make the Home Buying Process Easier
      7. Home Sales Brisk and Prices Appreciating
      8. Six fixes to make buyers say WOW
    6. JUL (8)
      1. Thank You
      2. 10 Ways to Improve Your Credit Score
      3. Why We Started
      4. Whitey’s Ice Cream: A Quad Cities Tradition since 1933
      5. Is Buying Right For You?
      6. Hooah Quad Cities' Resources for Veterans
      7. 5 Real Estate Podcasts You HAVE to Listen To
      8. Four Things You Should Do This Fourth of July
    7. JUN (8)
      1. 10 Reasons You Should Never Buy or Sell Without an Agent
      2. Changing Lives One Veteran At a Time
      3. Help Us Honor the Military
      4. Father’s Day Traditions At Ruhl&Ruhl
      5. Dubuque Office Hosts Annual Charity Kickball Tournament
      6. Using Ruhl Technology to Buy Your First-Home
      7. Ruhl Blood Drive Wrap-Up
      8. Strong National First Quarter Home Appreciation Reflected Right Here at Home
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      1. Ruhl Blood Drive
      2. Five Tips for the First-Time Homebuyer
      3. Five Things to Love About the New mobileRUHL
      4. Iowa High School Graduation Rates are Up
      5. Great Time to Sell Your Home in Our Region
      6. Neighborhood Features that Devalue Your Home
      7. Limited Inventory for First-Time Home Buyers
      8. Tips for Your Next Home Project
      9. Home Improvement for Your Health
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      2. Ruhl&Ruhl Realtors Ranks as Iowa’s Largest Privately-Owned Company
      3. Linking IN
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      1. Ruhl&Ruhl REALTORS® Receives Five Star Award at Cartus Broker Network International Conference
      2. Recent Stock Market Volatility Highlights the Safety and Effectiveness of Investing in Local Real Estate
    11. JAN (2)
      1. Ruhlhomes.com – A new Look for the New Year!
      2. The Truth about Selling your Home this Winter
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      1. Homes Values Appreciate Between 3.10% and 9.14% over the Last Five Years in Eastern Iowa and Western Illinois
      2. Don’t Let the Cold Get you – Winterize your Vacant Home
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      1. 3rd Quarter Sales Dip Wipes out Earlier Gains
    3. OCT (2)
      1. Karl Larsen Awarded Iowa City Newcomer of the Year
      2. New National Mortgage Process May Slow Real Estate Transactions
    4. JUL (2)
      1. Illinois Quad Cities Housing Market is up 27%
      2. Let's Kick Poverty so Everyone gets Home!
    5. JUN (4)
      1. Realtors Roll up their Sleeves to Save Lives
      2. Caroline Ruhl named 2015 Laureate of the Quad Cities Business Hall of Fame.
      3. Ruhl&Ruhl Realtors Awarded Coolest Places to Work
      4. Set the Stage for Success with these Home Staging Tips!
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      3. 2015 QCBR Spring Parade of Homes
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      2. Ruhl&Ruhl Realtors Celebrates Strong Results!
      3. 2015 Will Be a Good Year for Home Sales
    9. JAN (6)
      1. Burlington, Iowa
      2. FHA Reduces Annual Insurance Premiums
      3. The Truth about Selling your Home this Winter
      4. North Liberty, Iowa
      5. House Prices Continue Appreciating
      6. New Services Provide Options for Land Brokerage
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      1. Ruhl&Ruhl Realtors Awarded for Exceptional Customer Service
      2. Are you Ready to Buy your First Home?
      3. Newbo is Growing
      4. Volunteering Hits Home
      5. Ruhl&Ruhl Property Management Voted Number One in Quad Cities; Ruhl Ranks in Other Categories
      6. Celebrating the Life and Legacy of Chuck Ruhl
      7. Harry Blewett Awarded Dubuque Realtor of the Year!
      8. Ruhl Mortgage Partners with Quad City Bank & Trust
    2. NOV (3)
      1. How to Host a Stress-Free Thanksgiving
      2. Ruhl&Ruhl Agents Pursue Mastery
      3. Markets Steadily Improving
    3. OCT (10)
      1. Don’t Let the Cold Get you – Winterize your Vacant Home
      2. Toys for Tots Collection Drive
      3. Quad Cities Real Estate Update: Local Market is Up
      4. Cedar Rapids Real Estate Fall Update: Regional Markets Improving
      5. Iowa Top Workplaces include Ruhl&Ruhl Realtors
      6. Home Staging Tips for Fall
      7. Drive-In Movie Theater in Blue Grass, Iowa
      8. Real Estate in Blue Grass, Iowa
      9. Geneseo Go-Giver
      10. Two Rivers YMCA Sneaker Ball Keeps Kids Running
    4. SEP (10)
      1. Ruhl&Ruhl Realtors Sponsors Quad City Marathon
      2. Blue Grass, Iowa
      3. Eric Schlutz Elected President of Realtors Land Institute
      4. The Location ‘Ruhls’ at Newbo, Cedar Rapids
      5. 2014 QCBR Fall Parade of Homes
      6. Rick Hernandez has a Growing Family
      7. The Scenic Village of Thomson
      8. Iowa City Region's Home Prices Appreciating
      9. The Melon Capital of the World - Thomson
      10. Featured Community: Thomson, Illinois
    5. AUG (6)
      1. Home Prices Appreciating in the Cedar Rapids Region
      2. Moving is Tough - Make it Easier!
      3. Excellence in Education in Geneseo
      4. Housing Market Stabilizing in Cedar Rapids
      5. Zillow
      6. Dwindling Condo Sales Stall New Construction Market
    6. JUL (4)
      1. Mobile Technology has made Life Easier
      2. 30 Open Houses in 30 Days
      3. House Hunting in the Palm of your Hand
      4. Ruhl&Ruhl is more than Real Estate
    7. JUN (3)
      1. Ruhl&Ruhl Realtors Opens Office in NewBo
      2. Race for A Life
      3. Support Quad City Area Children, with Flowers!
    8. MAY (5)
      1. Can St. Joseph Sell your Home?  
      2. Spring New Construction Update: New Home Sales Show Modest Increase Under Harsh Conditions
      3. Thinking about Renting Out Your Home?
      4. Spring Real Estate Update: Home Prices Rising in Our Markets
      5. The Five Biggest Turn-offs For Homebuyers
    9. APR (4)
      1. Ruhl&Ruhl Realtors Ranked Iowa’s Largest Privately Owned Real Estate Company
      2. 2014 QCBR Spring Parade of Homes
      3. Iowa Farmland Value Decreases, but Demand Stays Strong
      4. Now is the Time to Buy
    10. MAR (3)
      1. Going for Gold
      2. Get Silly, Outside for St. Patrick’s
      3. 4 Reasons to Sell Now
    11. FEB (5)
      1. New Rule in Mortgage Lending
      2. Ruhl&Ruhl Realtors Ranked #1 in Customer Service
      3. Bruce Braley Speaks with Ruhl&Ruhl Realtors on Dubuque Tax Credit
      4. Home Improvements to do Before Spring
      5. Ruhl&Ruhl Realtors Congratulates 2013 Award Winners
    12. JAN (4)
      1. You Might Find this Pin-teresting!
      2. Consider Cost Not Just Price
      3. Ruhl&Ruhl Realtors Agents Receive Recognition from Midwest Five Star Real Estate Agent Program
      4. 7 Quick Tips For A Kid-Friendly, Less Stress Move
  6. 2013 (44)
    1. DEC (7)
      1. 8 Reasons to List or Extend your Listing During the Holidays
      2. Santa's Secret
      3. Flood Insurance Rates May Rise for Homeowners
      4. Should You Buy that Fixer-Upper?
      5. New Commercial Real Estate Company Opens in Quad Cities!
      6. Home Prices Continue to Rise in Local Markets
      7. Ruhl&Ruhl Realtor’s is more than Real Estate – We’re Family!
    2. NOV (4)
      1. Ruhl&Ruhl Realtors Announced Top Real Estate Company by Community
      2. Ruhl&Ruhl Sponsors Toy Tree at the 2013 Festival of Trees
      3. Travis Hiatt Elected Secretary/Treasurer for Iowa City Area Association of Realtors
      4. Emilie Blindt Awarded “Newcomer of the Year” by the Iowa City Area Association of Realtors
    3. OCT (2)
      1. RuhlHomes.com Ranked #5 Website in Nation
      2. Congratulations to Sam Rollins
    4. SEP (3)
      1. Ruhl&Ruhl Announced as Iowa Top Workplace
      2. Kristin Mayo Receives Community Betterment Grant
      3. Dubuque Iowa Listed Within Top 10 Great Cities
    5. AUG (4)
      1. 2013 QCBR Fall Parade of Homes
      2. Sharon Tahere Nominated for Good Neighbor Award
      3. Ruhl Mortgage – New Name for Local Mortgage Company
      4. Quad Cities at Lowest Housing Inventory since 2000
    6. JUL (2)
      1. Blue Skies Ahead in our Local Real Estate Markets
      2. What If I Don’t Currently Qualify For a New Mortgage
    7. MAY (2)
      1. Home Prices Steadily Rising in our Local Markets
      2. Ruhl Premier Access – FREE Super Suite of Tools
    8. APR (8)
      1. Ruhl&Ruhl REALTORS presents the Big Brothers Big Sisters Annual Plant Sale
      2. Ruhl&Ruhl hits 300!
      3. Revision of FHA Mortgage Policies
      4. Caroline Ruhl Inspired by New Strategies and Networking at the Cartus Broker Network International Conference
      5. Catch a Buyers’ Eye – Top Rated Exterior Improvement Projects
      6. 2013 QCBR Spring Parade of Homes
      7. Ruhl&Ruhl REALTORS Ranked Iowa’s Largest Privately Owned Real Estate Company
      8. The TRUTH about How Real Estate Agents Get Paid
    9. MAR (2)
      1. User Guide - Mobile Real Estate Solution
      2. Quad Cities at Lowest Housing Inventory since 2001
    10. FEB (5)
      1. Home Prices Steady in our Markets
      2. The Best Industry to work in? Real Estate!
      3. From Residential Investments to Real Estate Wealth
      4. New Home Sales Rebound in 2012
      5. Ruhl&Ruhl has launched its brand new app mobileRuhl!
    11. JAN (5)
      1. Ruhl&Ruhl Stays Hot Leading the Real Estate Market Again!
      2. Davenport NOW Tax Incentive Extended
      3. Ruhl&Ruhl Leads Quad Cities Real Estate Market
      4. Despite Old Man Winter, Cedar Rapids Real Estate Market Warming
      5. Matt Schwind Recognized as Iowa Realtor of the Year
  7. 2012 (38)
    1. DEC (2)
      1. Ruhl and Ruhl Selected as a SIRVA Relocation Preferred Broker
      2. Make your move- 8 Money Saving Moving Tips
    2. NOV (2)
      1. Black Friday Survival Guide
      2. Is It Time to Invest in a Rental Property?
    3. OCT (1)
      1. Iowa Farmland Increased 18.5% in Value
    4. SEP (2)
      1. 5 Reasons to Sell Now
      2. Ruhl&Ruhl REALTORS Participates in 2012 Fall Parade of Homes
    5. AUG (5)
      1. Ruhl&Ruhl REALTORS Participates in the Student Hunger Corporate Challenge
      2. Ruhl&Ruhl REALTORS Participates in the United Way Day of Caring
      3. Why wait? Davenport Real Estate NOW!
      4. Ruhl&Ruhl Realtors Celebrates Success for First Half of 2012
      5. Is There a 3.8% Sales Tax on Homes in the Health Bill?
    6. JUL (4)
      1. Quad Cities Housing Market Recovery Charging Ahead
      2. Loan Officer Receives Community Grant
      3. Should You Wait to Sell??
      4. Ruhl&Ruhl Realtors Moves into New, High-Tech Office
    7. JUN (2)
      1. Sizzle vs. Steak or Sizzle AND Steak?
      2. The Emotion Driving the Housing Recovery
    8. MAY (2)
      1. New Manager Joins Ruhl&Ruhl REALTORS in Cedar Rapids
      2. Proper Planning for Your Mortgage Application
    9. APR (5)
      1. Ruhl&Ruhl Participates in 2012 Spring Parade of Homes
      2. Ruhl&Ruhl REALTORS Ranked Iowa’s Largest Privately Owned Real Estate Company
      3. What It Means To Be an ‘EXPERT’ in Real Estate
      4. Ruhl&Ruhl REALTORS Supports the Big Brothers Big Sisters Annual Plant Sale
      5. FHA Mortgage Insurance Changes Coming April 9th
    10. MAR (4)
      1. Ruhl&Ruhl Hosts 2 FREE Career Seminars
      2. Buying a Home? The COST Is More Important Than the PRICE
      3. House Sales in the U.S.
      4. Home Prices Continue to be Strong in our Markets
    11. FEB (5)
      1. 1862 Mortgage Offers Home Affordable Refinance Program
      2. Is It Time for Young Families to Buy a Home?
      3. Where Are Rents Headed?
      4. New Construction Inventory Falling
      5. Ruhl&Ruhl REALTORS Celebrates Sales Growth in 2011
    12. JAN (4)
      1. Iowa housing market stable
      2. America’s Top 10 States For Business in 2011
      3. Funds Available for Military Homebuyers in Illinois
      4. Comparing Real Estate To Other Investments
  8. 2011 (79)
    1. DEC (4)
      1. One in Five Baby Boomers Gifting or Loaning Money to Children or Grandchildren to Help Buy Homes
      2. “As A Home Seller, Why Should You Care About Involving A LENDER In The Home Selling Equation?”
      3. The Need for a True Real Estate Professional
      4. Home Prices Strong in our Markets
    2. NOV (6)
      1. How Much Should You Put Down?
      2. Is There a 3.8% Tax on Homes in the Health Bill?
      3. Americans Still Believe in the Value of Homeownership
      4. Is the Real Estate Market a Good Return on Investment?
      5. What If I Don’t Currently Qualify For a New Mortgage?
      6. Top 10 Tips for First-Time Homebuyers
    3. OCT (7)
      1. Was it Worth Waiting?
      2. $3,500 in Down Payment Assistance is now available for Qualified Iowa Home Buyers
      3. Ruhl&Ruhl Supports the Dubuque Museum of Art
      4. New Manager Joins Ruhl&Ruhl REALTORS in
      5. New Manager Joins Ruhl&Ruhl REALTORS in Moline Office
      6. Short Sale vs. Foreclosure: A Short Sale Always Wins
      7. Ruhl&Ruhl Named for Having One of the Most Colorful Trees in the QC
    4. SEP (6)
      1. America’s Top 10 States For Business in 2011
      2. Home Sales: Investors Are About to Return
      3. Cleaning Up the Negative Media on Housing
      4. Ruhl&Ruhl Participates in 2011 Fall Parade of Homes
      5. Increasing Demand Increases Value of Farmland
      6. Short Sales: Has Their Time Finally Arrived?
    5. AUG (6)
      1. Ruhl&Ruhl Selected as a Prudential Preferred Broker
      2. Home Prices Stable in Our Markets
      3. Ruhl&Ruhl Expands to Offer Consulting, Asset Management & Multi-Family Brokerage
      4. Ruhl&Ruhl REALTORS Announces New Burlington Office
      5. It’s Time to Buy (or Refinance)
      6. More Disclosures on the Way to “Help” the Consumer
    6. JUL (5)
      1. Ruhl&Ruhl Congratulates Rock Island Arsenal for Best Overall Chapter Award
      2. Why Do People Actually Buy a Home?
      3. 5 Real Estate Headlines You’ll See in the Next Six Months
      4. Ruhl&Ruhl REALTOR Assists with the Sale of Cedar Rapids Church
      5. Top 5 Real Estate Headlines in the 1st Half of 2011
    7. JUN (9)
      1. Ruhl&Ruhl REALTORS Sponsors THE Quad City Marathon
      2. A Window of Opportunity for House Sellers
      3. Will Falling Values Lead to More Strategic Defaults?
      4. Ruhl&Ruhl REALTORS to Host FREE Career Seminar
      5. Fixed-rate Mortgages Fall to 6-Month Lows
      6. Mortgage Insurance Cancellation: The Myths and Realities
      7. How To Make An Offer that Will Be Accepted
      8. Should You Rent or Buy in this Market?
      9. Why You Need a True Professional to Sell Your Home
    8. MAY (7)
      1. Appraisals: Why You Must Now Sell Your House Twice
      2. Is a Short Sale or a Foreclosure My Best Option?
      3. 5 Reasons You Should Consider Selling Now
      4. Even the Naysayers Are Saying To Buy Now!
      5. Almost 14,000 Houses Sold Yesterday
      6. A Bull Market in Rental Housing
      7. RUHL&RUHL REALTORS Sales Professionals Earn Affinity Specialist From Cartus Broker Services
    9. APR (9)
      1. 11 Cities Where Homes Sell the Fastest – Iowa City, IA Made the List!
      2. Foreclosures: Bringing Clarity to the Confusion
      3. Ruhl&Ruhl REALTORS Sponsor of Schmooza Palooza
      4. Ruhl&Ruhl REALTORS Ranked Iowa’s Largest Privately Owned Real Estate Company
      5. NEWSFLASH: There Is NO Inventory!!!
      6. Fannie Mae Announces 3.5% Buyer Assistance on REO Properties
      7. Real Estate and Financing Are PERSONAL
      8. 2011 Spring Parade of Homes
      9. What is a QR code? And what does it do?
    10. MAR (10)
      1. Real Estate: GOLDen Opportunity of This Decade
      2. Iowa Farmland Increased 25.4% in Value
      3. Distressed Sales: State by State
      4. Military Homebuyer Tax Credits Still Available!
      5. 10 Reasons People Decide to Buy a Home
      6. If Prices Are Falling, Why Are the Rich Buying?
      7. Ruhl&Ruhl REALTORS Partners with Nelson Brothers Insurance
      8. 7 Tips for Short Sale Success
      9. For Buyers: The Financial Opportunity of a Lifetime?
      10. If Your Goal Is to Buy Low, Buy Now!
    11. FEB (5)
      1. First-Time Homebuyer Tax Credit Repayment
      2. Selling Your House? 5 Reasons To Do It NOW!
      3. Does It Make Sense To Buy a Home?
      4. Where Are Housing Prices Headed?
      5. Trending Up in 2011
    12. JAN (5)
      1. Housing Market in Q-C ‘bubbling’
      2. Experts on Real Estate
      3. Rental Prices Jump 11.6 Percent in 2010
      4. 3 Questions You Must Answer Before Buying a Home
      5. Do Neighborhood Watch Groups Cut Crime and Insurance Costs?
  9. 2010 (38)
    1. DEC (6)
      1. 5/1 ARM Offers Best of Price and Stability
      2. Foreclosures Decreasing: Exploring the Short Sale Option
      3. Millennium Did Not Crash the Housing Market, What a Great Decade!
      4. Real Estate a Great Investment in Our Region
      5. Myths: The Earth Is Flat and Newspapers Sell Houses
      6. 5 Holiday Hosting Disasters and How to Avoid Them
    2. NOV (5)
      1. Buying a Home Now Is a No-Brainer
      2. Robson Homes Now Building at Prairie Heights in Davenport
      3. Scott County New Home Sales Grow in 2010
      4. Protect Our Property Values: Short Sales Better Than Foreclosures
      5. Should You Move or Improve?
    3. OCT (3)
      1. Best Time to Buy? Bottom of a Recession!
      2. Why wait? Davenport NOW!
      3. DIY Home Energy Audit in 6 Easy Steps
    4. SEP (6)
      1. Home Prices Up in Our Markets
      2. Best Chance to Sell Your Home the First 5 Days on the Market
      3. Understanding Real Estate Representation
      4. How to Assess the Real Cost of a Fixer-Upper
      5. Pending Home Sales on the Rise
      6. Ruhl&Ruhl REALTORS Participates in Student Hunger Drive
    5. AUG (2)
      1. Health Care Bill Includes New “Real Estate Transfer Tax”
      2. Ruhl&Ruhl REALTORS Announces New Cedar Rapids Office
    6. JUL (2)
      1. Mike Wendt Assumes Role as Ruhl&Ruhl General Sales Manager
      2. Tax Credit Deadline Extended
    7. JUN (2)
      1. Ruhl&Ruhl REALTORS Critiqued by Peers
      2. Head Shave for Hospice
    8. MAY (2)
      1. Ruhl&Ruhl to Host Military Financing Seminar
      2. Post-Tax Credit Buyers May Save Money
    9. APR (3)
      1. Ruhl&Ruhl Outsells Mel Foster Company
      2. A Strong Start to the New Year - Scott & Rock Island Counties New Construction Report
      3. North Liberty Dominates Iowa City Area New Construction
    10. MAR (2)
      1. Ruhl&Ruhl Receives Five Star Circle of Excellence Award at Cartus Broker Network International Conference
      2. Q-C's new homes market shows signs of growth
    11. FEB (2)
      1. New Manager Joins Ruhl&Ruhl REALTORS in Maquoketa and DeWitt
      2. Sales Growth in 2009
    12. JAN (3)
      1. Fifth Generation Joins Ruhl&Ruhl REALTORS
      2. Q-C home sales show strength
      3. New Construction Markets Stabilizing
  10. 2009 (35)
    1. DEC (3)
      1. New Construction Coming Back to Life
      2. Ruhl&Ruhl REALTORS Wins Primacy Relocation Recognition
      3. Homebuyer Tax Credit FAQ
    2. NOV (4)
      1. How to score an offer
      2. Obama Signs Extended Tax Credit into Law
      3. Congress Passes Homebuyer Tax Credit
      4. Choosing an Agent
    3. OCT (7)
      1. Region’s 3rd Quarter Housing Market
      2. The New Construction Market
      3. TOP TEN REASONS TO BUY A NEW HOME NOW!
      4. Thinking of a Career in Real Estate? Think Ruhl&Ruhl!
      5. Mobile Applications link buyers, agents
      6. Everything You Need To Know About the First Time Home Buyer $8,000 Tax Credit
      7. September Brings a Continued Real Estate Upswing in our Markets
    4. SEP (6)
      1. Finding or Selling Your Home while using Social Media
      2. Ruhl&Ruhl REALTORS Celebrates Grand Opening of New Muscatine Office
      3. MobileRuhl
      4. 1862 Mortgage
      5. Plan your own Open House Tour!
      6. RuhlHomes.com: Totally New Website with New look, Improved Function
    5. JUL (1)
      1. Mobile Ruhl: Search Listings on Your Cell Phone
    6. JUN (3)
      1. Federal tax credit continues to draw new home buyers
      2. Davenport, IA Passes Tax-Rebate Program: Davenport NOW
      3. Ruhl&Ruhl REALTORS Announces New Office in Muscatine
    7. MAY (3)
      1. Q-C housing sales rebound
      2. Quad City Home Sales Bright Spot in Country
      3. RuhlHomes.com Website Visits, April 2008 to April 2009
    8. APR (5)
      1. Iowa Finance Authority: Military Service Member Homeownership Assistance
      2. REOHome Program from Iowa Finance Authority
      3. The Real Estate Market Is Back!
      4. Ruhl&Ruhl 100th Largest Broker in Country
      5. Ruhl&Ruhl agents had the best week since July 2007!
    9. MAR (2)
      1. 2009 - First Time Homebuyer Tax Credit - FAQ's
      2. 1862 Mortgage - Finding a loan officer thats right for you.
    10. JAN (1)
      1. Ruhl&Ruhl Celebrates Market Share Gains
  11. 2008 (2)
    1. DEC (2)
      1. Builders Respond to Changing Market
      2. 1862 Mortgage


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