05/28/2026
As we wrap up another busy month, I wanted to share a story that’s a reminder of why we do what we do. 🏡✨
A couple of months ago, we received a referral for a family who had just been told they had two months to move out of their rental home. They didn’t have money saved for a down payment, weren’t sure homeownership was even possible, and honestly it felt like they were defeated before the process even started.
But they still took the first step and filled out an application. 💻 From there, we got to work.
🔹 First Obstacle: Credit
They worked incredibly hard paying things down and cleaning things up, and with a rapid rescore, we were able to get their scores where they needed to be. 📈
🔹 Second Obstacle: Down Payment & Closing Costs
Even after improving their credit, they were still limited in the programs available. Thankfully, we were able to utilize our Ruoff HomeNow down payment assistance program that offers more flexibility and get them pre-approved. 🙌
🔹 Third Obstacle: The First Deal Fell Through During Inspections
At that point, the clock was really ticking. ⏳ The good news? We had already done most of the heavy lifting on the loan side, so all we needed was the right home.
With the help of their incredible real estate agent, they found the perfect fit. And this month, they closed on their brand new home. 🔑
Stories like this matter because so many people assume homeownership is out of reach before they ever ask the question. If you’ve been thinking about buying a home but feel unsure whether it’s realistic for you, it’s always worth having the conversation.
✅ Best case — We find a way to make it happen.
✅ Worst case — We build a plan to get you there.
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For all your mortgage needs in 2026:
📲812.219.4324 📩[email protected]
