Derek Ringer first ventured into the mortgage industry at the age of 15 with Trustcorp Mortgtage. Since then, he has continued to be a part of the mortgage industry in numerous roles building years of experience. Though much has changed in the industry, Derek continues to be an expert in providing the right information and sound advice to his customers. He welcomes the chance to sit with you to discuss your current mortgage situation.

Derek joined Ruoff Home Mortgage in 2012 as the Branch Manager of their Elkhart office. Within this role, he will assist in growing the Ruoff brand and solidifying the company’s strong reputation in the region. He will also continue his passion of originating mortgages and counseling clients looking to purchase and refinance area homes.

Derek was born and raised in the Michiana area and continues to live in the area with his wife, Christina and his daughter, Ava and their two dogs.

Because of the amazing Ruoff support staff standing behind the Elkhart branch, Derek knows that his team will able to handle all of your mortgage needs, offer candid advice, as well as provide the friendliness you have come to expect in professionals you choose to do business.

“Derek was a pleasure to work with, made my home buying experience amazing. Especially because it was my first home.”

Katie Siomos

“I noticed that Derek was unbelievably helpful. I have never had a loan before that I applied for and he explained things to make me understand everything. We had many forms of commutation, texting, email and phone calls. It was nice because we were able to always get a hold of each other. Derek worked unbelievably hard to make sure I could close on the date I wanted too.”

Kera Maure

“It's hard to find the right words for Derek. He was always on the ball, welcoming and friendly, open and honest, and more than willing to answer questions. He truly made us feel like we were his only clients, and that we were important to him. Derek was thorough, knowledgable, and willing to explain things repeatedly for us. He made the process easy to understand, and attainable. He answered emails often after hours, and made himself available to us whenever we needed him.”

Jeff & Christy Miller

“Derek called me back so promptly that it made an impression.”

Ryan & Dominique Williams

“Derek did such a great job and made me feel very comfortable thru the whole process. He was very professional and very courteous. Not to mention, he has a great sense of humor. He left no stone unturned and assured me that we would get to the end of this in great shape. I did not bother him with a lot of calls or questions as I knew that when he received any new information he would get a hold of me. I would highly recommend Ruoff Mortage and Derek Ringer to anyone seeking a home. Derek went into very heavy detail to make sure that I understood the total process . Great job as I am a person that wants to understand the total process.”

Mike Bish

” Great communication with Derek and the other staff and made it super convenient to email documents required.”

Dustin Hostetler