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	<title>Your Mortgage Matters</title>
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	<description>News, tips and advice on the changing world of home ownership and finance in Indiana</description>
	<lastBuildDate>Thu, 17 May 2012 16:26:24 +0000</lastBuildDate>
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		<title>Teeter Totters, Closing Costs and Refinancing</title>
		<link>http://www.ruoff.com/blog/2012/04/teeter-totters-closing-costs-refinancing/</link>
		<comments>http://www.ruoff.com/blog/2012/04/teeter-totters-closing-costs-refinancing/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 20:33:07 +0000</pubDate>
		<dc:creator>ChrisSanderson</dc:creator>
				<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[closing costs]]></category>

		<guid isPermaLink="false">http://www.ruoff.com/blog/?p=141</guid>
		<description><![CDATA[“I’m shopping around…  What’s your rate?” &#8220;We&#8217;re running a special – 11.5%!  Would you like me to go ahead and lock you in?&#8221;  That usually gets a good laugh, breaks the ice, and allows us to start asking some thought-provoking questions.  The answers to those questions will determine whether going forward with a refinance makes financial [...]]]></description>
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		<title>5 Credit Woes That Will Stop You In Your Tracks</title>
		<link>http://www.ruoff.com/blog/2012/04/5-credit-woes-that-will-stop-you-in-your-tracks/</link>
		<comments>http://www.ruoff.com/blog/2012/04/5-credit-woes-that-will-stop-you-in-your-tracks/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 19:46:52 +0000</pubDate>
		<dc:creator>LoriHiscock</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[home buying]]></category>

		<guid isPermaLink="false">http://033147c.netsolhost.com/blog/?p=128</guid>
		<description><![CDATA[Have you heard that banks have a minimum credit score needed to be considered for a loan?  Well, that’s true.  Overall, lenders have a set number that they have to work with and, if your credit score is below that, you’re likely not eligible for a mortgage. Did you know that you may not be [...]]]></description>
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		<title>Ruoff Home Mortgage Announces the Addition of Lori Hiscock</title>
		<link>http://www.ruoff.com/blog/2012/04/ruoff-home-mortgage-announces-addition-of-lori-hiscock/</link>
		<comments>http://www.ruoff.com/blog/2012/04/ruoff-home-mortgage-announces-addition-of-lori-hiscock/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 16:57:38 +0000</pubDate>
		<dc:creator>BlakeMusic</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Lori Hiscock]]></category>

		<guid isPermaLink="false">http://www.ruoff.com/blog/?p=315</guid>
		<description><![CDATA[FORT WAYNE, IN (April 9, 2012) – Fort Wayne-based residential mortgage lender Ruoff Home Mortgage announced the addition of Lori Hiscock to their South Bend, Indiana branch.  As Senior Loan Officer, Lori will serve St. Joseph County and all surrounding Counties from its 1710 E. Edison Rd. branch located in South Bend, Indiana. Ms. Hiscock [...]]]></description>
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		<title>Ruoff Home Mortgage Announces the Addition of Dyttha Gallagher</title>
		<link>http://www.ruoff.com/blog/2012/04/ruoff-home-mortgage-announces-addition-of-dyttha-gallagher/</link>
		<comments>http://www.ruoff.com/blog/2012/04/ruoff-home-mortgage-announces-addition-of-dyttha-gallagher/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 13:32:13 +0000</pubDate>
		<dc:creator>BlakeMusic</dc:creator>
				<category><![CDATA[Press]]></category>

		<guid isPermaLink="false">http://www.ruoff.com/blog/?p=312</guid>
		<description><![CDATA[FORT WAYNE, IN (April 9, 2012) – Fort Wayne-based residential mortgage lender Ruoff Home Mortgage announced the addition of Dyttha Gallagher to their South Bend, Indiana branch.  As Senior Loan Officer, Dyttha will serve St. Joseph County and all surrounding Counties from its 1710 E. Edison Rd. branch located in South Bend, Indiana. Ms. Gallagher [...]]]></description>
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		<title>Ruoff Home Mortgage Announces the Addition of Rene Tyson</title>
		<link>http://www.ruoff.com/blog/2012/01/ruoff-home-mortgage-announces-addition-of-rene-tyson/</link>
		<comments>http://www.ruoff.com/blog/2012/01/ruoff-home-mortgage-announces-addition-of-rene-tyson/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 19:39:44 +0000</pubDate>
		<dc:creator>BlakeMusic</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Rene Tyson]]></category>

		<guid isPermaLink="false">http://www.ruoff.com/blog/?p=279</guid>
		<description><![CDATA[FORT WAYNE, IN (January 25, 2011) – Fort Wayne-based residential mortgage lender Ruoff Home Mortgage is pleased to announce the addition of Rene Tyson to their Warsaw, Indiana branch.  As Senior Loan Officer, Tyson will serve Kosciusko and all surrounding counties from Ruoff’s 310 Enterprise Dr. branch located in Warsaw, Indiana. Mr. Tyson brings with [...]]]></description>
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		<title>Ruoff Home Mortgage Announces the Addition of Sheryl Colquitt</title>
		<link>http://www.ruoff.com/blog/2012/01/ruoff-home-mortgage-announces-addition-of-sheryl-colquitt/</link>
		<comments>http://www.ruoff.com/blog/2012/01/ruoff-home-mortgage-announces-addition-of-sheryl-colquitt/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 17:58:41 +0000</pubDate>
		<dc:creator>BlakeMusic</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Sheryl Colquitt]]></category>

		<guid isPermaLink="false">http://www.ruoff.com/blog/?p=298</guid>
		<description><![CDATA[FORT WAYNE, IN (January 3, 2011) – Fort Wayne-based residential mortgage lender Ruoff Home Mortgage announced the addition of Sheryl Colquitt to their Warsaw, Indiana branch.  As Senior Loan Officer, Sheryl Colquitt will serve both Whitley and Kosciusko Counties from its 310 Enterprise Dr. branch located in Warsaw, Indiana. Ms. Colquitt brings with her more [...]]]></description>
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		<title>Ruoff Home Mortgage Announces the Addition of Don Reber</title>
		<link>http://www.ruoff.com/blog/2012/01/ruoff-home-mortgage-announces-addition-of-don-reber/</link>
		<comments>http://www.ruoff.com/blog/2012/01/ruoff-home-mortgage-announces-addition-of-don-reber/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 14:28:03 +0000</pubDate>
		<dc:creator>BlakeMusic</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Don Reber]]></category>

		<guid isPermaLink="false">http://www.ruoff.com/blog/?p=307</guid>
		<description><![CDATA[FORT WAYNE, IN (January 3, 2011) – Fort Wayne-based residential mortgage lender Ruoff Home Mortgage announced the addition of Don Reber to their Northern Indiana/Southern Michigan Region.  Don Reber will assume the role of Regional Vice President/Business Development and will conduct business from its 1710 E. Edison Rd. branch located in South Bend, Indiana. Mr. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Ruoff Express Service&#8211;ALL ABOARD!!</title>
		<link>http://www.ruoff.com/blog/2011/05/ruoff-home-mortgage-announces-ruoff-express-service/</link>
		<comments>http://www.ruoff.com/blog/2011/05/ruoff-home-mortgage-announces-ruoff-express-service/#comments</comments>
		<pubDate>Mon, 30 May 2011 19:24:08 +0000</pubDate>
		<dc:creator>Mark K. Music</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[Closing]]></category>
		<category><![CDATA[Ruoff Express]]></category>

		<guid isPermaLink="false">http://033147c.netsolhost.com/blog/?p=120</guid>
		<description><![CDATA[In a mortgage world that now seems rife with red tape, getting to the closing table quickly can be a daunting task.  Unfortunately, sometimes circumstances surrounding a purchase transaction does not allow for a full month or more to get the deal closed.  To address these unique situations, Ruoff Home Mortgage proudly introduces the Ruoff Express [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Ruoff Home Mortgage Announces the Addition of Nate Delegrange</title>
		<link>http://www.ruoff.com/blog/2011/05/ruoff-home-mortgage-announces-addition-of-nate-delegrange/</link>
		<comments>http://www.ruoff.com/blog/2011/05/ruoff-home-mortgage-announces-addition-of-nate-delegrange/#comments</comments>
		<pubDate>Mon, 09 May 2011 13:24:14 +0000</pubDate>
		<dc:creator>BlakeMusic</dc:creator>
				<category><![CDATA[Press]]></category>

		<guid isPermaLink="false">http://www.ruoff.com/blog/?p=300</guid>
		<description><![CDATA[Ruoff Home Mortgage is pleased to announce the recent appointment of Nate Delagrange to the position of Loan Officer at their North branch in Fort Wayne. Nate has helped a wide variety of people buy and refinance their homes over the last decade. He enjoys educating his clients and letting them decide which one of the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding Your Fico Score and How It Affects Your Financial World</title>
		<link>http://www.ruoff.com/blog/2011/04/understanding-your-fico-score-and-how-it-affects-your-financial-world/</link>
		<comments>http://www.ruoff.com/blog/2011/04/understanding-your-fico-score-and-how-it-affects-your-financial-world/#comments</comments>
		<pubDate>Mon, 11 Apr 2011 07:52:53 +0000</pubDate>
		<dc:creator>Mark K. Music</dc:creator>
				<category><![CDATA[Home Buying]]></category>
		<category><![CDATA[credit]]></category>

		<guid isPermaLink="false">http://033147c.netsolhost.com/blog/?p=88</guid>
		<description><![CDATA[It seems that we can&#8217;t turn on the television these days without seeing TV ads by freecreditreport.com.  These ads feature a young male character whose life has been ruined because of credit report problems.  In one commercial, he gets married to his dream girl who failed to share with him that her credit was bad.  [...]]]></description>
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