Adam Garman
SVP | Retail Production Manager
NMLS: 124792 | KY: MC769465 | OH: MLO.050586.000
Ready to help make your homeownership dreams come true through advocacy, guidance, and education.
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100%
Customer Satisfaction Score.
Awards
22
Years of helping homeowners like you.
Proudly serving Florida, Illinois, Indiana, Kentucky, Michigan, Ohio
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A Bit About Me
It's been a privilege to help families navigate homeownership for 22 years, whether you're a nervous first-time buyer, move-up client, investor, or refinancing. I focus on clear, proactive communication that cuts through the jargon so you always know the next step and feel supported. Seeing that moment when a first-time buyer realizes it's actually possible is what I love most, and I stay available long after closing as your trusted advisor whenever questions come up.
Outside the office, I recharge by taking my RZR out on the trails, hitting the links for a round of golf, or relaxing by the pool. If you're ready for straightforward guidance and a relationship that lasts, let's connect and get started on your goals.
I still originate loans myself while leading a team of 250 loan officers across four states, because leading by example never goes out of style.
I’ve played in a weekly billiards league for 20 years. It’s one of the best commitments I’ve ever made. I cherish the time with great friends and family, while playing a game I genuinely love.
I believe the best business relationships start as real friendships. That’s why I intentionally mix family, hobbies, and work whenever I can, the connections last longer that way.
When I’m outside the office, you’ll usually find me on the golf course, tearing up trails with friends in my RZR, or by the pool with family and friends.
I run on consistency and value-first thinking. If I can help someone win before I ever ask for business, that’s a good day.
Awards & Achievements
Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
President's Club
6x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.
After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.
If mortgage rates change before you lock your rate, your quoted rate can go up or down with the market. Once you lock your rate, you’re protected from increases during the lock period – but you also won’t benefit if rates drop. I’ll help you stay informed so you can make the best decision for your timing and goals.
Refinancing with Ruoff Mortgage is a straightforward process designed to help you meet your financial goals – whether that’s lowering your monthly payment, shortening your loan term, or accessing cash from your home’s equity. I’ll guide you through your options and help you decide if refinancing makes sense for you.
We offer a comprehensive suite of home loan products, including conventional, FHA, VA, USDA, jumbo, and reverse mortgages, for both purchases and refinances. We specialize in unique financing options like renovation loans, new construction loans, and specialized programs such as HomeNow™ down payment assistance.
The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.
PMI is insurance for the lender if you put less than 20% down on a home. It can be removed once you build enough equity.
With Ruoff Mortgage, the average time from application to clear to close is just 15 days.* That means from the moment you apply to the moment you're ready to close, the process can move quickly and efficiently.
You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.
Your monthly mortgage payment typically consists of PITI: Principal, Interest, Taxes, and Insurance. This combined payment often includes an escrow account to manage property taxes and homeowner's insurance, along with potential mortgage insurance, ensuring your payments are simplified and covered.
Have a question we didn't cover?
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My Latest Blogs
What Down Payment Do You Really Need for a Home Purchase in 2026?
Nov 6, 2026
Many buyers in Fort Wayne, Indiana start their search wondering exactly how much cash they need upfront. The truth is that the amount varies widely based on your situation, the loan type, and your goals. Understanding your options early removes the guesswork and helps you move forward with confidence.
Read More
Millions of Homeowners Are Sitting on Historic Equity That Could Help Lower Costs
Nov 3, 2026
Millions of Homeowners Are Sitting on Historic Equity That Could Help Lower Costs
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Mortgage Escrow in Fort Wayne, Indiana: Taxes and Insurance Made Simple
Oct 28, 2026
Buying a home marks one of the biggest steps many families take, and understanding every part of the process builds real confidence. Mortgage escrow in Fort Wayne, Indiana helps keep property taxes and homeowners insurance on track so you never face surprise bills. At Ruoff Mortgage, I work with buyers across the area to turn those details into clear, manageable steps that support long-term stability.
Read More
Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*