Advice for buyers and sellers, from Justin Ruzicka


#1 Reason to buy a home in 2016..YOU can’t afford NOT to!

Real estate prices continue to be on the rise with the low inventory of homes available.  As prices continue to rise your ownership costs (over 30 years), also continues to rise.  BUT here is the best news.  We may never see Mortgage Rates as low as 3.45% as we see today.  Just 1% increase for interest rates means $37,000 more interest paid over 360 payments assuming $180,000 mortgage amount.  Can you afford a $37,000 Price Break?  Do you really want to continue to put $14,000 into your landlords bank account each year instead of the putting it towards the equity of your home?

Mortgage rages





I know buying a home is scary.  There are many moving parts to the purchase of a home, and the mortgage application is huge undertaking on its own.   I have helped dozens of first time buyers through the process.  I have trusted mortgage lenders who are transparent in the process and will ensure you are not buying more than you can afford.  If you are considering purchase a home this year, and need a trusted REALTOR by your side lets sit down and chat.  I am never to busy to discuss your scenario in private and you can put your trust in my like many other buyers have.

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    When you are considering the purchase of a home or residence including a condo or town home the biggest challenge is money.  We never seem to have enough money,  do you have $200,000 in Cash sitting in the BANK?  Of course not.  Why would you…If you had $200,000 in […]

  • My 2 Cents

    My 2 Cents

    My wife begs me, not to give my opinion on this topic.  To bite my tongue and not ruffle any feathers, but how can I?  How can you live every day of your life affected by it and not voice your opinion.  I mean I am so grateful for […]

  • For SALE by Owners

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    WHAT GOOD IS A REALTOR? WHY DO I NEED TO HIRE A REALTOR IN TODAY’S MARKET?  Both of these are great questions, and if the Realtor you  are interviewing can’t explain the benefits they offer, well you are right in NOT hiring them…But I think it unwise not to […]

Justin Ruzika, Realtor
Justin Ruzika, RealtorThe House Guy
Much of my real estate career has been in buying, repairing, then selling the properties for a profit. I work for specific investment groups doing this, as well as manage a personal portfolio. The other 50% of my business is helping my neighbors, I have helped dozens of Families buy or sell their home.

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