• 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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  • 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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  • 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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  • 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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  • $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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  • 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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Recent Videos

  • This Sunday, April 20, 2014 on Indy’s Real Estate Gurus….

    This Sunday, April 20, 2014 on Indy’s Real Estate Gurus….

    Carol Anne manages new product development and the product life cycle for Delta bath products for both the residential and commercial channels. In her 20 years with Delta Faucet, she’s held a variety of different roles in customer service, logistics, purchasing, information systems and marketing, giving her a broad understanding of the business. An East Coast transplant, Carol Anne is married with three sons ages 21-23. Pauline’s primary practice areas include family law, criminal defense, and administrative issues. “Polly” enjoys assisting her family law clients navigate through many different domestic legal situations including contested and uncontested divorces, establishing paternity, modifying […]

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  • Step #2 When Buying a Home

    Jeff Kucic Broker/Owner of Kucic Associates Realty joins Rick to discuss the second most important step when buying a home. This step is critical to your long term home happiness.

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  • What’s on Your Homes Title?

    What’s on Your Homes Title?

    Ray Summeier, President/CEO of Trustworthy Land Title talks with Jeff Kucic about your homes title work. They discuss when and how you check your homes title when selling your home.

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  • Energy efficiency upgrade and your income taxes!

    Energy efficiency upgrade and your income taxes!

    You see the ads about how energy efficiency improvements and how they can lower your income taxes. In this video Rick Ripma and Jay Horn, Partner, Meridian CPA’s discuss how this tax break works and how it might benefit you.

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  • Are Discount Points Tax Deductible

    Are Discount Points Tax Deductible

    If you finance a home and pay discount points can you deduct them on your income taxes? Listen in as Rick Ripma and Jay Horn, Partner, Meridian CPA’s, talk about you might be able to write off your discount points.

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  • What are the tax benefits of owning a home?

    What are the tax benefits of owning a home?

    Everyone tells you about the great tax savings owning a home generates. Listen in as Jay Horn Meridian CPA’s explains how you can save on your taxes by owning a home.

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  • What is the Minimum Alternative Tax

    What is the Minimum Alternative Tax

    What is the Minimum Alternative Tax and how can it affect you. Jay Horn, Partner, Meridian CPA’s explains this tax and how it came about and how it may change in the future.

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  • How does a 2nd mortgage affect taxes?

    How does a 2nd mortgage affect taxes?

    Can you deducted the interest paid on your second mortgage or home equity line of credit. In this video Rick Ripma ‘Your Hard Working Mortgage Guy’ and Jay Horn, Partner, Meridian CPA’s discuss when you can deduct both second mortgage interest and home equity line of credit.

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  • When to buy for maximum tax benefit

    When to buy for maximum tax benefit

    You’ve heard about the income tax benefits of owning a home. But does it matter when you buy the home to gain these tax benefits. Watch this vide as Jay Horn, Partner Meridian CPA’s.

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