My Latest Blogs
Discover homeownership today.
Closing Costs Explained
Apr 14, 2026
Buying your first home in Kokomo is exciting. A lot of first-time buyers are focused on the down payment and forget about closing costs.
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By Now, Pay Later (BNPL): Pros, Cons, and Mortgage Impacts You Need to Know
Apr 7, 2026
In today's fast-paced shopping world, By Now, Pay Later (BNPL) services like Affirm, Afterpay, and Klarna have exploded in popularity. They let you split purchases into interest-free payments, making big buys feel manageable right away. But if you're eyeing a home in Kokomo where housing costs average around $180,000, understanding BNPL's full picture is crucial—especially its sneaky effects on mortgage approval.
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Dirk Webster
Sales Manager
NMLS: 562084
OH: MLO-OH.562084
Ruoff Mortgage Company, Inc., doing business as Ruoff Mortgage, is an Indiana corporation. This blog is for general informational purposes only and is not intended to provide financial, legal, or credit advice. It is not an offer to extend credit, a commitment to lend, or a guarantee of loan approval or specific loan terms. All loans are subject to borrower eligibility, verification, and satisfaction of applicable underwriting guidelines. Information is current as of the date posted and is subject to change without notice. Equal Housing Lender. NMLS ID 141868. For complete licensing information, visit www.nmlsconsumeraccess.org.