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Menu ↓ Home About Us Privacy Policy Welcome to our site! Testimonials Legal Contact Us Mortgage 101 Mortgage Basics Mortgage Approval Process Understanding Credit Mortgage Payments Mortgage Rates Home Buying Process Closing Process Mortgage Closing Costs Refinance Process Real Estate Appraisals Loan Programs Conventional Home Loans Jumbo Mortgage Financing FHA Mortgage Loans VA Mortgage Loans Reverse Mortgage Senior Loans 203K Rehab Mortgage Loans Loan Applications Quick Quote Apply Online Mortgage Tools Adopt My Mortgage Mortgage Calculator Mortgage Rates Blog Be Smart, Choose Lend Smart! APPLY NOW Lend Smart Mortgage, LLC (612) 618-6039 mike@MichaelRuhland.com Lend Smart Mortgage, LLC (612) 618-6039 mike@MichaelRuhland.com ‹ › Welcome to our site! Thank you for stopping by our mortgage web site. Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate pro ... Read More... ‹ › 8 Questions Your Lender Should Answer About Mortgage Rates Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preac ... Read More... ‹ › How Much Can I Afford? How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage fina ... Read More... ‹ › Four Possible Reasons To Refinance A mortgage is generally the largest debt most homeowners have to manage. It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are ma ... Read More... Michael Ruhland Sales Manager/Trusted Mortgage Advisor NMLS # 215129 Cell: 612-618-6039 Email: Mike@MichaelRuhland.com Phone: (612) 618-6039 Fax: (888) 315-7578 Email: Mike@MichaelRuhland.com Meet Michael Ruhland I specialize in ANY type of Mortgage, from a tough commercial hard money loan, to a normal conventional purchase of a residential property. I have a vast knowledge of the Real Estate Industry, and a great working relationship with several top banks throughout our nation. Learn More » Mortgage 101 Loan Programs Mortgage Tools Conventional Home Loans Seven Things Your Agent Should Know About Your Mortgage Approval While many experienced real estate agents have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied. New regulation, updated disclosures, appraisal guidelines, mortgage rate pric ... Read More... Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property? Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence. Perhaps you are outgrowing your current house, or have been forced to relocate due to a job ... Read More... What Do Appraisers Look For When Determining A Property's Value? Most people are surprised to learn what appraisers actually look at when determining the value of a real estate property. A common misconception homeowners generally have is that the value of their home is determined after the appraiser has completed their physical property inspection. However, th ... Read More... Where Does My Earnest Money Go? Hey, I gave my real estate agent a $5000 Earnest Money Deposit check... Where does that money go? A basic and very obvious question that most First-Time home Buyers ask once their purchase contract gets accepted. According to Wikipedia: Earnest Money - an earnest payment (sometimes called earnest money or simply earnest, or alternatively a good- ... Read More... Renting vs Buying A Home Buying a home versus renting is a big decision that takes careful consideration. While there are several biased sources that can make arguments for or against owning a home, we've found that most home buyers base their ultimate decision on emotion. Yes, there are some tax advantages of owning real estate, as well as the potential to earn equity ... Read More... What Does Title Insurance Protect Me From? By including title insurance when purchasing property, your title insurer takes on accountability for legal expenses to defend your property title, should it ever be challenged. Many different occurrences can come into play to warrant the need for title insurance. The title company responsible wi ... Read More... First-Time Home Buyer Credit Checklist Getting a new mortgage for a First-Time Home Buyer can be a little overwhelming with all of the important details, guidelines and potential speed bumps. Since there are so many rules and steps to follow, here is a simple list of Do's and Don'ts to keep in mind throughout the mortgage approval proce ... Read More... Should I Refinance or Get a HELOC For Home Improvements? For homeowners interested in making some property improvements without tapping into their savings or investment accounts, the two main options are to either take out a Home Equity Line of Credit (HELOC), or do a cash-out refinance. According To Wikipedia: A home equity line of credit is a loan in ... Read More... Calculating The Net Benefit Of A Refinance Transaction Calculating the net benefit of refinancing can be a challenging task if you do not understand what to calculate. We are going to focus on the net benefits of refinancing from the standpoint of lowering your interest rate. Although there are several reasons to refinance, lowering your mortgage rate ... Read More... Understanding the Difference Between an Appraisal vs Neighborhood Listing Prices Why is there such a difference between what my appraised value is and the price similar homes are selling for on my street? It’s a great question, and you don’t have to be a mortgage professional or a real estate agent to understand the answer. ... Read More... Making Sure Your Cash-To-Close Comes From The Proper Source Providing proper asset documentation and the actual source of the funds is a critical element of the loan closing process. There's nothing worse in a real estate purchase than making it all the way through the hoops and hurdles just to have a loan denied after the final documents have been signed d ... Read More... Talk the Talk – Know the Mortgage Lingo at Closing What the heck are they talking about? Many borrowers go through the closing process in a haze, nodding, smiling, and signing through a bunch of noise that sounds like Greek. Even though you may have put your trust in your real estate and mortgage team, it helps to understand some of the terminol ... Read More... Michael Ruhland - NMLS # 215129 I specialize in ANY type of Mortgage, from a tough commercial hard money loan, to a normal conventional purchase of a residential property. I have a vast knowledge of the Real Estate Industry, and a great working relationship with several top banks throughout our nation. [ More About Me ] Property Listings Popular Mortgage Topics Mortgage Approval Process Mortgage Programs Mortgage Rates Mortgage Payments Home Buying Process Mortgage Closing Process Closing Costs Refinance Process Real Estate Appraisals Search for: Our Website Home Page Real Estate Information & Listings Visit Our Mortgage Blog Loan Information Loan Program Availability Apply for a Loan Mortgage Rates & Tools Our Company About Us & Our Services Read Our Client Testimonials Contact Michael Ruhland - NMLS # 215129 7100 Northland Circle N Suite 402, Brooklyn Park, MN 55428 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act www.nmlsconsumeraccess.org Copyright © 2020 | Log In...