Ruoff Mortgage
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Amy Helmen

Senior Loan Officer

NMLS: 234556

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Amy

99.44%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Michael C.

Elkhart, IN, Aug 6, 2026, 5:02 PM

Our loan officer was always on top of it! She was great at communicating everything!

George E M.

Granger, IN, May 22, 2023, 3:22 PM

Amy provided an excellent experience! One of the best professionals we have encountered in the overall home buying experience. Thank you!

COURTNEY N M.

Elkhart, IN, Jun 5, 2023, 3:56 PM

Amy was extremely transparent and assisted with all questions I had throughout the home-buying process!

Ilysa L R.

South Bend, IN, Jul 23, 2023, 10:09 PM

Thank you Amy! You were a pleasure to work with!

Patricia C O.

Granger, IN, Jul 24, 2023, 4:13 PM

Amy Helmen was fantastic to work with. She made the whole loan process very easy to navigate!

Joseph M S.

Granger, IN, Jul 25, 2023, 4:07 PM

Everything was great!

Michael C.

Elkhart, IN, Aug 6, 2026, 5:02 PM

Our loan officer was always on top of it! She was great at communicating everything!

George E M.

Granger, IN, May 22, 2023, 3:22 PM

Amy provided an excellent experience! One of the best professionals we have encountered in the overall home buying experience. Thank you!

COURTNEY N M.

Elkhart, IN, Jun 5, 2023, 3:56 PM

Amy was extremely transparent and assisted with all questions I had throughout the home-buying process!

Ilysa L R.

South Bend, IN, Jul 23, 2023, 10:09 PM

Thank you Amy! You were a pleasure to work with!

Patricia C O.

Granger, IN, Jul 24, 2023, 4:13 PM

Amy Helmen was fantastic to work with. She made the whole loan process very easy to navigate!

Joseph M S.

Granger, IN, Jul 25, 2023, 4:07 PM

Everything was great!

Brian O.

Plymouth, IN, Aug 1, 2023, 8:57 AM

Amy did an amazing job of communicating and shepherding the mortgage process through until the very end. Incredibly easy to work with and highly professional.

Sarah C B.

South Bend, IN, Aug 7, 2023, 4:49 PM

Amy’s expertise was invaluable throughout my home-buying/loan-securing process. She is so helpful, knowledgeable, and organized, and handled every step of the process so professionally and efficiently, going above and beyond to make the process as easy as possible. Working with her made what could have been a very stressful endeavor very clear and straightforward, and saved me so much time and stress! I highly recommend Amy and Ruoff Mortgage.

Jared B.

Granger, IN, Aug 15, 2023, 2:02 PM

Amy is the best in the business and there is no one I would trust more!

Chad R B.

Goshen, IN, Sep 2, 2023, 5:34 PM

The process went flawlessly, and Amy was amazing to work with!

Ian G.

Elkhart, IN, Sep 4, 2023, 3:02 PM

Easy to work with and was always quick to help with anything I needed! Would recommend to anyone :)

Harry G.

South Bend, IN, Oct 9, 2023, 4:45 PM

Amy was there for us from the very first phone call, while we were on the other side of the country, in a different time zone. She answered every single question timely, often within a minute, and kept us appraised as to the process, what to expect next. She greeting us as we flew in to be present during the home inspection, and asked if there is anything else she can offer to do to assist us, which she did. She coordinated with the broker, as they have done business together, and was sensitive to our Holiday schedule needs as well. Amy gave us referrals, of vendors that she had experience with locally. There isn’t anything that we could have dreamed of going smoother. I will, without promising gladly refer her to assist any other home purchaser in the future. Amy’s professional ability and friendliness is the best. Thank you, Harry and Karena Green

Elizabeth O.

MISHAWAKA, IN, Nov 13, 2023, 1:59 PM

Honestly, everything was so easy and understandable. Amy did an incredible job explaining every step and was so patient with us (first-time home buyers). She has really strong communication skills and made everything easy to understand.

Brian O.

Plymouth, IN, Aug 1, 2023, 8:57 AM

Amy did an amazing job of communicating and shepherding the mortgage process through until the very end. Incredibly easy to work with and highly professional.

Sarah C B.

South Bend, IN, Aug 7, 2023, 4:49 PM

Amy’s expertise was invaluable throughout my home-buying/loan-securing process. She is so helpful, knowledgeable, and organized, and handled every step of the process so professionally and efficiently, going above and beyond to make the process as easy as possible. Working with her made what could have been a very stressful endeavor very clear and straightforward, and saved me so much time and stress! I highly recommend Amy and Ruoff Mortgage.

Jared B.

Granger, IN, Aug 15, 2023, 2:02 PM

Amy is the best in the business and there is no one I would trust more!

Chad R B.

Goshen, IN, Sep 2, 2023, 5:34 PM

The process went flawlessly, and Amy was amazing to work with!

Ian G.

Elkhart, IN, Sep 4, 2023, 3:02 PM

Easy to work with and was always quick to help with anything I needed! Would recommend to anyone :)

Harry G.

South Bend, IN, Oct 9, 2023, 4:45 PM

Amy was there for us from the very first phone call, while we were on the other side of the country, in a different time zone. She answered every single question timely, often within a minute, and kept us appraised as to the process, what to expect next. She greeting us as we flew in to be present during the home inspection, and asked if there is anything else she can offer to do to assist us, which she did. She coordinated with the broker, as they have done business together, and was sensitive to our Holiday schedule needs as well. Amy gave us referrals, of vendors that she had experience with locally. There isn’t anything that we could have dreamed of going smoother. I will, without promising gladly refer her to assist any other home purchaser in the future. Amy’s professional ability and friendliness is the best. Thank you, Harry and Karena Green

Elizabeth O.

MISHAWAKA, IN, Nov 13, 2023, 1:59 PM

Honestly, everything was so easy and understandable. Amy did an incredible job explaining every step and was so patient with us (first-time home buyers). She has really strong communication skills and made everything easy to understand.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Amy Helmen

A Bit About Me

My customer service philosophy is rooted in respect, honesty, and clear communication. I understand that buying or refinancing a home—especially for first-time homebuyers—is a major life decision, and I’m committed to making the process as smooth and stress-free as possible. Whether you're purchasing your first home or refinancing an existing one, I provide reliable guidance every step of the way. Licensed in both Indiana and Michigan, I'm proud to help clients navigate their home financing journey with confidence and clarity

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Indiana, Michigan

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

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******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.