My Latest Blogs
Discover homeownership today.
You Got Pre-Approved? What Like It's Hard?
Feb 25, 2026
How to Get Pre-Approved for Your Dream Home: What Lenders Really Look For (and How to Nail It!)
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The Great Rate Wait
Feb 11, 2026
Should You Buy Now or Wait for Lower Mortgage Rates in 2026?
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The Biggest Mistakes First-Time Home Buyers Make (and How to Dodge Them Like a Pro)
Feb 4, 2026
Picture this: You're a first time home buyer, eyes wide as saucers, dreaming of that cozy Bloomington bungalow where you can finally host barbecues without your landlord crashing the party. But then-bam-you trip over a financial landmine and end up renting forever. Hilarious in a sitcom, heartbreaking in real life. Lucky for you, I've got the inside scoop on the biggest mistakes first-time buyers make.
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Heather Bozarth
Senior Loan Officer
NMLS: 427579
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.