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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!

SVP Retail Production Manager

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

100.00% Customer Satisfaction Rating

Hi, I'm Adam!

SVP Retail Production 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 you 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

President's Club Member

President's club seal 2018
President's club seal 2019
President's club seal 2020
President's club seal 2021
President's club seal 2022

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 and his team including Melissa Montes took time to make sure I understood the process with Loan Butler and the process at Ruoff. Adam and Melissa were so responsive and always there if I had a question. I don’t have any areas of improvement to recommend and I highly recommend Ruoff to everyone because you make the process so easy.

    Thomas T, happy client
  • Just the attitude and urgency of the team, from Adam and Jon to both Mel’s. They were all on top of things through the whole process.

    Brandon S, happy client
  • I appreciated that Adam was able to remember specific details about my mortgage process, and was as helpful as I needed him to be.

    Kierra W, happy client
  • Adam was very kind in the explaining process of everything. This was all so new to me and I didn’t know what anything meant. He was very clear and understanding.

    Courtney S, happy client
  • Everything was easily done online and we were informed every step of the way.

    Collin S, happy client
  • The communication thru the emails and Butler portal made reviewing documents and signing stress-free. When I had questions they were answered quickly and thoroughly.

    Eric C, happy client
  • We had to move quickly on finding a new lender that could process a pre-approval as well as handling our loan. Adam and the Ruoff team went above and beyond in getting everything taken care of from starting the application to even after the closing.

    Randy W, happy client
  • I really liked how available Adam made himself to us. It was very helpful because I'm a nurse and my work schedule varies all the time so it was nice he was available during non-business hours.

    Sara C, happy client
  • I really like the team at Ruoff, I thought the customer service provided was above and beyond. Thank you Melissa Mercer and Adam.

    Rusty D, happy client
  • everything went really well pertaining to the Ruoff team! they did everything they said they would and more :)

    Marci P, happy client
  • Everything went as Adam explained it would, and I couldn't have imagined anything going differently.

    Howard J, happy client
  • Ya'll know how to get things done and in a reasonable manner too.

    Jason P, happy client
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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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