• October 16, 2012 at 1:38 am / Our Team,Rick Ripma / by

    Who in the World is Your Hard Working Mortgage Guy!

    Hi, I’m Rick Ripma, Your Hard Working Mortgage Guy. My team and I help folks like you finance their homes in Indiana and Ohio at the very best overall mortgage option available to you. This insures that you receive the maximum financial benefit by working with us. Have you ever financed a home and been charged thousands of dollars in closing costs? Maybe along with those outrageous costs you received slow to no response from you loan officer to your questions and concerns. That’s what happened to me too before I started in the mortgage business. I was afraid of [...]

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  • September 12, 2012 at 9:15 pm / Mortgage Process,Mortgage Process,Uncategorized / by

    Refinancing a Rental Property

    Rental Properties can be difficult and confusing. This video explains the rules and cost of refinancing your rental property. Hello, my name is Dave. I am a client of Rick. My wife and I are currently trying to figure out where we would like to buy a new home in the Indianapolis area. The home we currently own in Westfield (which Rick helped us with), is currently being rented out. We are trying to decide if we want to go ahead and sell the home, or continue to rent the house out. If we continue to rent the home, we [...]

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  • July 17, 2012 at 10:00 am / Credit / by

    Credit scores, what do they mean?

    What does your credit score mean and should you work to improve it. In this video I explain what each credit score level means and and if yours needs work.

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  • November 30, 2011 at 1:02 pm / Uncategorized / by

    Should you lock your interest rate today?

    Did you lock your interest rate. Listen to TeeBill and Purrime talk about locking your mortgage rate.

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  • November 14, 2011 at 12:52 pm / Shopping Rate,Shopping Rate / by

    $330 Closing Costs? Wow! How can that be?

    You’re blown away by the high closing costs of many lenders Watch this Learn’n with Rick video and you’ll see closing costs just don’t have to be that high.

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  • November 3, 2011 at 12:20 pm / Appraisal,Appraisal / by

    Why did the appraiser use that home as a comparable?

    Your looking at your appraisal and your wondering… why did the appraiser use the home down the street but not the one next door to compare your home with. This questions is asked often buy home owners when they are financing a home. In this video Johnie Baker, Baker Appraisal Services, and Rick Ripma discuss how and why certain homes are comparables and others are not.

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