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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

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reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Adam Garman
Picture of Adam Garman

Hi, I'm Adam!

VP Branch Manager

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating

Hi, I'm Adam!

VP Branch Manager

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

I love spending my free time with my friends and family. I am a huge sports fan and enjoy rooting for the Indianapolis Colts and New York Yankees. In addition to sports I also enjoy playing card games, golf, as well as participating in a weekly pool league with some family members and close friends through the North American Poolshooters Association.

I first began in the financing industry back in 2004 with a local mortgage company. In May of 2010 I was given the opportunity to work here are Ruoff Home Mortgage. My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering sound and reliable advice.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and Conventional lending. Everything is in house, once your begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing home to save you money!!

Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you

  • Adam was always incredibly helpful in explaining the process as we went along. Adam also helped us decide what our best course of action was for the money we got back from our house we sold. He was so thorough and helpful that we ended up buying a new more expensive home and having more money at the end of the month than we did before. With Adams help we were able to utilize our money to pay off debt and put down a down payment on the new house.

    Tiffany M, happy client
  • Adam was kind, honest, and very trustworthy. He showed us respect and showed us that he really cared. That meant the world to us.

    Robert S, happy client
  • Adam was super easy to work with! Not only was he available practically anytime I had any questions, he took the time to actually make sure I understood the information! I would highly recommend him.

    Milica M, happy client
  • Adam was amazing. To say he went above and beyond was an understatement. We have recommended Ruoff and especially Adam to many of our family and friends.

    Jef S, happy client
  • Adam was extremely patient and informative, as we are first-time homeowners and very little knowledge of the process. Adam stuck with us for over 2 years, taking it all step by step with us!

    Allison G, happy client
  • Adam was really great with answering all my questions and calming me down if I felt overwhelmed with information. He always returned my texts/ calls immediately and wasn’t so formal that a 23 year old couldn’t understand. He was fantastic to work with!

    Chloe Z, happy client
  • I've dealt with Adam for a while now and not only consider him to be extremely sharp but also just a friendly, caring man. I feel extremely at ease knowing he will get the job done efficiently and keep me informed. I appreciated your email progress reports also. EVERYONE I have dealt with at Ruoff has been friendly and professional - you all as a group should be very proud of how you do business!

    Bob T, happy client
  • I felt like I was their only client and a team of people were working for me! I was always informed, never felt like I was "out-of-the-loop" or left wondering what was going on. Everyone was so friendly and easy to work with!

    Leslie H, happy client
  • Adam's attention to detail allowed us to be prepared in advance for every step of the process, and his charm and humor made it not only stress-free, but enjoyable. Who says that about spending large amounts of money?

    Jody L, happy client
  • Adam made sure that we understood everything related to the mortgage, terms, payments, etc., and he was always available and ready to answer any questions we had. We also really appreciated the status updates along the way. We never had to worry about if things were progressing smoothly.

    Abbey P, happy client
  • Adam Garman was on top of everything! Things went very smoothly and truly could not have gone any better than it did. I would recommend Adam with Ruoff to all my friends and family.

    Whitney L, happy client
  • Adam put hard to understand contracts into something easy to understand and follow. Something that is very important when signing papers and committing to the largest purchase of my life.

    James R, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

Stay connected.

I would love to hear from you!

Call me at (260) 348-0905 or message me below!

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