Julie Sammons - Ruoff Mortgage

06/24/2026

For most homeowners, the monthly mortgage payments include four separate parts:

Principal: This is the repayment on the amount borrowed.

Interest: This is the payment to the lender for the amount borrowed.

Taxes & Insurance: 1/12th of your property taxes and hazard insurance are paid into a special escrow account. This feature is sometimes optional, in which case you will be responsible for these expenses to be paid by you directly to the County Tax Assessor and property insurance company when they come due.

Private Mortgage Insurance (PMI): Some mortgage loan products required Private Mortgage Insurance. When it is required, it will be included in your monthly payment.

https://myoc.io/juliesammons

06/23/2026

Thinking about buying a home but aren't sure if you're ready? 🤔 You're not alone—and it's actually one of the most essential questions to ask. Instead of just focusing on rates and down payments, it's important to understand whether you're truly prepared for this important step.

When clients ask me if they're ready, it leads to valuable discussions about personal finances, long-term goals, and selecting the right programs that align with their plans, not just what's trending. Google might give you steps, but personalized advice is invaluable.

If you're contemplating homeownership and feel uncertain, let's chat! Send me a DM, and we can explore options to ensure buying a home is the right move for you. Let's build a strategy tailored to your dreams and lifestyle!

https://myoc.io/juliesammons

06/23/2026

🏡 Southgate Buyers—This One Won’t Last!

Priced at just $199,900, this 3-bedroom brick bungalow offers incredible value with a finished basement, hardwood floors, and a spacious primary suite.

Thinking about buying but unsure where to start? I can help you get pre-approved and understand your financing options before you tour the home.

📍 13451 Ward, Southgate
🚪 Open House: June 25 | 5-7 PM

📩 Reach out today for a quick pre-approval and be ready to make your move!
📆Schedule your appointment w Carolena Reed-Premier Realty

— Julie Sammons, Senior Loan Officer
Ruoff Mortgage

06/19/2026

The answer is: Maybe. Credit is just one of the items that a mortgage decision is based on. There are several programs designed for clients with limited credit. To know for certain, you will need to speak with a mortgage professional, who is trained to find your specific answer to this all important question.

https://myoc.io/juliesammons

06/17/2026

To successfully qualify and manage a mortgage, remember to:

Consistently save for your down payment and future expenses.
Regularly check and improve your credit score.
Actively reduce your existing debts.
Organize all necessary financial documents.
Seek pre-approval to understand your borrowing capacity.

https://myoc.io/juliesammons

06/15/2026

Frustrated by generic answers to your biggest homebuying questions? You’re not alone.

“What’s a good mortgage rate right now?”
“Is now a good time to buy?”
“How much do I really need for a down payment?”

The problem isn’t the questions — it’s that most online answers are one-size-fits-all. And homebuying just doesn’t work that way.

Instead of guessing or relying on headlines, the better move is to look at your numbers, your timeline, and your goals. That’s where real clarity comes from.

If you want answers that actually apply to your situation — not someone else’s — I’m here to walk through it with you and help you build a plan that makes sense.

💬 Message me anytime and let’s talk through your questions, one by one.

https://myoc.io/juliesammons

06/11/2026

Are you a veteran ready to unlock the door to your dream home? 🎖️ Discover why the VA loan is a game-changer: ZERO down payment, no mortgage insurance, and lower rates.

Even if you served years ago, your benefits are waiting! Have questions or want to explore your options? Comment VA below, and let's chat about how I can assist you in starting this journey.

https://myoc.io/juliesammons

06/09/2026

Before you get too excited about that surprisingly low mortgage rate, let's dive deeper to understand what's happening behind the numbers. You might be dealing with mortgage points. Each point costs 1% of your loan, translating into a hefty upfront payment. Do you really spot a deal, or just a red flag?

When comparing rates, always ask if they include zero points. Turn apples-to-apples comparisons into your greatest tool. Sometimes buying down your rate suits you, but ensure it's a strategic move tailored to your situation.

Have questions about your mortgage journey? Let's chat. I'm here to make the process transparent and stress-free. Follow along for more mortgage insight—because smarter decisions lead to a better home!

https://myoc.io/juliesammons

06/06/2026

"
As a loan officer, I can't stress enough the importance of budgeting before you start your home search. It's crucial to know what you can afford comfortably. A helpful guideline is to allocate no more than 28% of your gross monthly income to housing costs. This includes your mortgage and other related expenses. Additionally, aim to keep your total debts - that's your mortgage, credit cards, and any other loans - under 36% of your income. This approach ensures you find a home that fits your financial comfort zone."

https://myoc.io/juliesammons

06/05/2026

If you haven’t been to JTs (old Mr Nicks) - check it out! Great food - this Thursday steak special is amazing!
Improvements look great and service w a smile is welcoming 😎😘

Steak night done right ✅

Stop into JTs pub for the beet steak night deal around

16oz hand cut New York strips cooked to perfection. Topped with homemade garlic butter and served with fresh green beans and baked potato. All for just $24.99

Give your kitchen a rest and let us handle dinner tonight. You deserve it.

Paired with a $3 draft pint of ice cold domestic beer and all the TVs to catch all of tonight’s sports. Why would you go anywhere else? 🍺

See you tonight 👋