Julie Sammons - Ruoff Mortgage

08/06/2025

Beautiful Colonial Home in Trenton, MI
Schedule your appointment TODAY.
Call me for any mortgage needs!

08/06/2025

You’ve probably heard that home equity is a valuable asset — but do you know how or when to use it to your advantage?

While it’s always a good idea to consult with a financial advisor before making big decisions, here’s a general rule of thumb:

Equity can be a powerful tool when used to invest in your future — like funding home improvements, purchasing another property, or using it for your next home.

But if you're unsure, letting it continue to grow might be the smarter move.

Whether you're thinking about selling, refinancing, or just curious about where you stand — I’m here to help you understand your options and create a plan that works for you.

Message me “EQUITY” and let’s talk about where you're at and what your next steps could be.

https://myoc.io/juliesammons

08/06/2025

5.0 star review received on Experience.com for Julie Sammons by Maria L J - An amazing experience overall! Julie was very helpful—she explained everything clearly whenever I felt confused and was always easy to reach out to.

Click to see all 87 reviews of Julie Sammons, Senior Loan Officer

08/06/2025

Every buyer is different, and so is every loan. If you’re thinking about buying a home in 2025, one of the first steps is figuring out which loan program best fits your needs.

Here are just a few of the options I can help you explore:

Fixed-Rate Mortgages: Ideal for steady, predictable payments over the life of your loan

FHA Loans: Perfect for first-time buyers with lower down payment options

VA Loans: A great benefit for qualifying veterans, with no down payment required

USDA Loans: Designed for buyers in eligible rural areas, offering competitive financing options

When it comes to financing solutions, there’s no one-size-fits-all answer – which is what I’m here to help with.

If you’d like to discuss which loan options make the most sense for you, feel free to send me a message or visit the link in my bio for more resources that can help point you in the right direction.

08/04/2025

It’s rare, but yes – being pre-approved for a mortgage doesn’t guarantee final loan approval.

Changes in your financial situation, like taking on new debt, a drop in your credit score, or job instability, can impact your approval status before closing.

I work closely with my clients to help you navigate the home financing process with confidence.

I’ll make sure you understand the do’s and don’ts after pre-approval, monitor potential risks, and guide you every step of the way to help prevent surprises.

Working with me means having a partner who’s looking out for your long-term financial stability – not just your short-term loan options.

If you have questions about what to avoid before closing, or want clarification about any part of the loan process, drop a comment or send a message to connect with our team.

08/01/2025

These don’t have to be obstacles that derail your home buying journey — instead, I see them as opportunities to help you succeed.

✅ Perfect credit? Not required.
✅ You may qualify for programs with down payments as low as 0–3.5%
✅ I’ll help you explore all your options and create a plan that works for you.

My mission is simple: to take the guesswork out of homebuying and provide you with the confidence and clarity to make the right decisions.

Reach out to me directly for additional resources and honest advice tailored to your unique needs to help guide you every step of the way.

https://myoc.io/juliesammons

07/31/2025

A pre-approval isn’t just a formality – it’s your homebuying game plan.

It helps you understand exactly what you can afford, making your search more focused and efficient. Plus, it shows sellers you’re serious, which can give you an edge when making an offer.

The best part? With pre-approval, you’re ready to move fast when the right home comes along — and you won’t risk losing out to other buyers.

If buying a home is on your radar this year, I’d be happy to help you get pre-approved so you can start your search with confidence.

💬 Ready to get started? Message me PREAPPROVAL today, or comment any questions I can help answer for you.

https://myoc.io/juliesammons

07/22/2025

Though waiting for lower rates might seem tempting, the truth is — home prices and interest rates fluctuate.

And the equity you build by buying now? Can set you up for long-term financial growth.
Here’s why buying sooner rather than later is often the smarter move:

✅ Build equity with every mortgage payment — Unlike renting, you’re putting money toward owning something that will increase in value over time.

✅ Lock in a home now before prices go higher — Because home prices often rise over time, waiting could mean missing out on a home you love at today’s prices, making your dream home more expensive down the road.
✅ Take control of your financial future — Real estate is one of the most reliable ways to build wealth, and the sooner you start, the better.

Remember, homeownership is about more than just timing the market — it’s about making a smart investment in your future.

If you’re ready to start building your equity, don’t wait for something that may not happen. Let’s talk about how you can start building your future now.

https://myoc.io/juliesammons

07/17/2025

With home values rising, now may be a great time to consider a cash-out refinance which allows you to turn your home equity into cash to pay off your high-interest rate credit cards! Click the link below to get pre-approved today.
https://apply.ruoff.com/juliesammons

07/16/2025

Bridgewater is a great community!
Check this one out, schedule your appt today!
Any mortgage questions, give me a call! Happy to help!

07/10/2025

Here are a few things you'll want to gather in preparation for your pre-approval.

https://myoc.io/juliesammons

if you prefer to meet in person, let me know and we’ll set an appointment. I’m always here to help!

07/06/2025

"
As your loan officer, my role is to guide you through selecting the right loan, whether you're buying a new home or refinancing. Together, we'll find a loan that suits your unique financial needs."

https://myoc.io/juliesammons