Toby stood by us as we trudged through 2020. It was a heck of a ride but we made it with the help of Toby. We sold our house 5 times and put offers on 3 different houses. He was there for us through all of it. I cannot praise Toby enough for all of his help support and his response time to everything we went through buying and selling a home. You have no other employee who beats his customer service. We should know about working with him for about 6 months straight. He responds to you even on a day off and holidays when he should be enjoying time off with family. Toby is the best.

Amy J, happy client

I was really impressed with how Toby handled my situation and was able to keep me apprised of all things. Especially going out of the way to make sure certain things weren’t shown to me from my gift donor.

Michael S, happy client

We really appreciate Toby's availability even during evenings and weekends. He explained details thoroughly and guided us every step of the way. We are happy with our rate and found the esignatures incredibly convenient. Everything went really smoothly and we would highly recommend Toby and Ruoff Mortgage!

Hillary M, happy client

We were most impressed with the personalized service that we received from Toby, he was informative and explained our questions in a way that we could understand. Toby always helped us feel as though we were in control of our loan management, We feel that this kind of service is rare in business these days, and we appreciate this kind of personal touch thank you.

Charles S, happy client

From my first call to Toby Lagle to final call he was always available to help with questions and concerns. I felt Toby always had our best interest in the whole process from start to closing. He was available during off-hours, weekends and during the holidays. He was patient with helping me getting documents to him electronically, as that process was new to us seniors! I will have no hesitation in referring him to all those that might need his services. The journey was so smooth and we couldn't be any more satisfied with the experience we had with Ruoff Mortgage!

James L, happy client

Toby was awesome....I'm so glad he helped me purchase my home and then to help me with the referencing. I have recommended him to several people!

Julie M, happy client

Toby is always so helpful and gets the job done efficiently. He is so personable.

Debra U, happy client

Toby made the entire process incredibly painless. I literally never had to leave my home. Having two jobs and two kids doesn't leave a ton of free time. He was sympathetic to my time restraints and very accommodating. He actually came to my work site to help me sort out documents and answer questions. Very mobile and committed. This all occurred during the Coronavirus scare and the process was completely uninterrupted...Highly Recommend!

Clyde P, happy client

Toby did an excellent job handling our loan. We appreciate his availability for questions even in the evenings and weekends. He worked hard to get us a great rate and explained all of the financial details thoroughly. We are very satisfied!

Hillary M, happy client

My first time buying a home, I knew nothing about it. Toby walked us through every step, he was a pleasure to work with.

Rick H, happy client

Toby works well into the evening and I found this to be very helpful because I am not available during the daytime. During refinancing, managing my department kept me way too busy to concern myself with personal business. Toby did an awesome job in keeping us informed and he was determined to get this to go through. Thank you, Toby.

Jeffrey E, happy client

Our experience with Toby was excellent! He provided extra fast response times, quick and thorough answers to questions and super friendly interactions throughout the whole process. Toby worked hard to make sure that everything went smoothly, and nailed our goal of getting everything together for a quick close. He made the mortgage process as easy and stress-free as possible. I would definitely work with Toby again.

B. Singh , happy client