I have worked in the Real Estate and Mortgage Industry for over 34 years. I started selling real estate in 1978, and changed my career to become a loan officer in 1984. Since that time I have also managed a large branch office for a mortgage company, so I know all the stages of the process and will guide you from the pre approval through to the closing.
Mortgage programs are constantly changing and you need someone with a full understanding whether it's FHA, VA, Conventional, USDA, first time homebuyer or an investment property. As a lending professional, I will make that process quick, uncomplicated and will put you into the mortgage that best fits all your needs.
I have enjoyed helping customers purchase many different homes time and time again. Now those clients are referring their children and that has been especially rewarding.
When I am not in the office, I enjoy spending time with my wife Vici. We have 3 children and 1 grandchild. I have been a member Pleasantview Bible Church for over 30 years. I am also an affiliate member of the Kosciusko Board of Realtors.
You may contact me anytime via phone or email for personalized service and expert advice.
Always Returned phone calls quick.
He did a great at communicating with me. Responded back fast to emails along with answered any question I had, never did I have to wait for him to get back with me. It was our first time buying a home and he made it so easy for us.
Being first time home buyers we really felt like Ruoff did a good job of walking us through the process. Any time we had questions we got answers.