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 preapproval 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."

- Brenda Zuniga

"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."

- Stefani Wuthrich

"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."

- Eric Squires