My Latest Blogs
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How Inflation and Fed Policy Affect Mortgage Rates: Your Lighthearted Guide to Smarter Homebuying
Apr 23, 2026
Ever feel like mortgage rates are playing a game of economic hot potato? One day they're sizzling low, the next they're jumping like popcorn in a microwave. How inflation and Fed policy affect mortgage rates is the behind-the-scenes drama that keeps homebuyers on their toes—especially here in White County, Indiana, where our local farmers and families watch corn prices and home values rise together.
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How Much Down Payment Do You Really Need in 2026?
Apr 9, 2026
Monticello, IN First Time Homebuyers: How Much Down Payment Do You Really Need in 2026?
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Can I Buy a Home with a Low Credit Score? The Truth About Scores Under 620
Mar 26, 2026
Can I Buy a Home with a Low Credit Score? (Even Under 620 - The Hilariously Honest Truth!)
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Shelly Harmon
Loan Officer
NMLS: 2735125
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.