My mortgage career began 22 years ago in August of 1988. Preceding the mortgage origination field, I worked 4 years with a local finance company.

During the last 25 years, I have served my clients and realtors during a myriad of economic circumstances. From interest rates that reached all-time lows, the burst of the housing bubble, and mortgage meltdowns. The lending world flipped upside down, and I was right in the trenches learning and evolving to help as many people as possible to achieve the American dream of becoming a homeowner.

I am married with 3 children and 1 grandson. I have lived in Kosciusko County for 28 years. I am an affiliate member of the Kosciusko Board of Realtors and Chamber of Commerce. I enjoy relaxing with my husband David and our dog Harlee.

I want to be your “Lender for Life”. To make your home buying or refinancing transaction simple and fun!

Buying a home can be one of life’s “big events”, and getting a mortgage from Ruoff Home Mortgage insures you close on time and start enjoying your new home! Our years of experience make that possible. From application to closing, you’ll find Ruoff Home Mortgage to provide excellent, professional service.

We are having so much fun with our new house. It finally feels like we found home. We've honestly felt unsettled ever since we got married 6 years ago- Tim was in the military and we knew we'd be moving back when he got out, then it was the apartment thing, then our other home that we knew was too small for family when we bought it and only did "what would sell" improvements on it. This time its home and we can do whatever we want! It's truly a great feeling.

We will DEFINITELY send people your way. You were fabulous! I believe Tim has two coworkers that have already put up there house for sale and 1 that is going to be and I think he's already passed your name on.

Thank you again for EVERYTHING! I honestly can't thank you enough. With everything that went wrong in our whole process you were the bright light at the end of the tunnel and we appreciate all your hard work and dedication. You didn't make us feel like just another case but like real people with a dream and a goal. That's rare to find nowadays.

Hope all goes well for you and your husband in the future! We will definitely keep your name on our referral list :)

Sincerely,
Heather