Ruoff Mortgage Logo

Beth Garrett

Senior Loan Officer

NMLS: 782760 | KY: MC921765

Helping homebuyers move faster with clear guidance, smart options, and a simpler path to closing.

Read full bio
Beth

95.78%

Customer Satisfaction Score.

Scotsman Guide AwardRuoff Experience Award Winner AwardPresident's Club Award

Awards

Proudly serving Indiana, Kentucky

Meet our happy homeowners***

View All Testimonials

Review 1

Dakota D W.

Brookston, IN, May 18, 2023, 1:33 AM

5.0

Beth was absolutely wonderful to work with! My husband and I were first time home buyers so we had a lot of questions. She didn't make me feel dumb for not knowing anything and she was truly there to make this the best experience possible! Anytime I needed anything no matter what time or day she always was quick to respond! I would absolutely recommend Beth at Ruoff!!

Review 2

Noah E C.

Attica, IN, Aug 13, 2023, 5:52 PM

5.0

Beth was always very responsive and attentive to all our questions and concerns

Review 3

Michael Richard M.

MONTICELLO, IN, Sep 19, 2023, 3:52 AM

5.0

Beth was amazing and so helpful through the process. She made it super easy and if I had questions she was available thru email or phone to get the questions answered. I would recommend her to anyone I come across every time.

Review 4

Lithica L.

Lafayette, IN, Aug 25, 2026, 8:04 PM

5.0

Beth was amazing, I was really nervous going into this process that we would be confused or would be taken advantage of but beth was very communicative and made the entire experience very stress free for us

Review 5

Charles B. T.

FRANKFORT, IN, Aug 24, 2026, 9:53 AM

5.0

Throughout the whole process, Beth was very communicative and was on top of everything. We had some hiccups along the way, none of which were due to Beth or Ruoff, but even with all the roadblocks and potholes, Beth made sure to communicate and do everything possible to keep the process running smoothly.

Review 6

Nathaniel Dale S.

Crawfordsville, IN, Aug 13, 2026, 6:00 PM

5.0

Beth and ruoff are amazing at what they do , I couldn't recommend them more .

Review 7

William Andrew E.

Delphi, IN, Jul 31, 2026, 3:25 PM

5.0

Overall quick to answer calls and questions

Review 8

Savannah Belle R.

RENSSELAER, IN, Jul 22, 2026, 3:18 PM

5.0

Beth was fantastic to work with and made the process of buying a home smooth. She was very responsive to text, calls, and email, and went above and beyond for us . We highly recommend working with her and will be working with her again in the future.

Review 1

Dakota D W.

Brookston, IN, May 18, 2023, 1:33 AM

5.0

Beth was absolutely wonderful to work with! My husband and I were first time home buyers so we had a lot of questions. She didn't make me feel dumb for not knowing anything and she was truly there to make this the best experience possible! Anytime I needed anything no matter what time or day she always was quick to respond! I would absolutely recommend Beth at Ruoff!!

Review 2

Noah E C.

Attica, IN, Aug 13, 2023, 5:52 PM

5.0

Beth was always very responsive and attentive to all our questions and concerns

Review 3

Michael Richard M.

MONTICELLO, IN, Sep 19, 2023, 3:52 AM

5.0

Beth was amazing and so helpful through the process. She made it super easy and if I had questions she was available thru email or phone to get the questions answered. I would recommend her to anyone I come across every time.

Review 4

Lithica L.

Lafayette, IN, Aug 25, 2026, 8:04 PM

5.0

Beth was amazing, I was really nervous going into this process that we would be confused or would be taken advantage of but beth was very communicative and made the entire experience very stress free for us

Review 5

Charles B. T.

FRANKFORT, IN, Aug 24, 2026, 9:53 AM

5.0

Throughout the whole process, Beth was very communicative and was on top of everything. We had some hiccups along the way, none of which were due to Beth or Ruoff, but even with all the roadblocks and potholes, Beth made sure to communicate and do everything possible to keep the process running smoothly.

Review 6

Nathaniel Dale S.

Crawfordsville, IN, Aug 13, 2026, 6:00 PM

5.0

Beth and ruoff are amazing at what they do , I couldn't recommend them more .

Review 7

William Andrew E.

Delphi, IN, Jul 31, 2026, 3:25 PM

5.0

Overall quick to answer calls and questions

Review 8

Savannah Belle R.

RENSSELAER, IN, Jul 22, 2026, 3:18 PM

5.0

Beth was fantastic to work with and made the process of buying a home smooth. She was very responsive to text, calls, and email, and went above and beyond for us . We highly recommend working with her and will be working with her again in the future.

Review 9

Darrell Franklin R.

Lafayette, IN, Jul 21, 2026, 3:37 PM

5.0

Beth answered all of my questions super quick and was very knowledgeable. She has helped me in the past as well and has been fantastic each and everytime I work with her.

Review 10

John A S.

West Lafayette, IN, Jul 7, 2026, 4:13 PM

5.0

The overall experience was made simple and stress free. Simply amazing!

Review 11

Claud Ernest F.

Lafayette, IN, May 26, 2026, 3:15 PM

5.0

Everything! Beth and team did everyting excellent. Beth always returned my calls, if she didn't take them as they came in! Beth and team made this the easiest home loan I have ever recieved! Beth kept me informed along the way and more than exceeded my expectations! There were no surprises and anytime I asked a question (believe there were a few lol) Beth took the time to address them expedisousley! Beth and team were a real pleasure to work with and I will certainly call upon them again!!!

Review 12

Mary Frances M.

Kokomo, IN, May 1, 2026, 3:08 PM

5.0

Communication was amazing. If I had any questions she would answer them and quickly!

Review 13

Colton Lee P.

Sheridan, IN, May 8, 2026, 4:00 PM

5.0

Beth is very knowledgeable and great to work with!

Review 14

Austin C.

Lafayette, IN, May 8, 2026, 3:30 PM

5.0

Beth is great and makes the process a breeze. Thank you!

Review 15

Keeley H.

Mulberry, IN, May 5, 2026, 3:06 PM

5.0

Beth was very friendly and worked with us through all the hurtles and "problems". She never gave up on us and we finally reached our goal with her help!

Review 16

Caleb W.

Lafayette, IN, Apr 19, 2026, 4:38 PM

5.0

Beth was incredibly helpful and knowledgeable about the whole process. We would recommend her to anyone!

Review 9

Darrell Franklin R.

Lafayette, IN, Jul 21, 2026, 3:37 PM

5.0

Beth answered all of my questions super quick and was very knowledgeable. She has helped me in the past as well and has been fantastic each and everytime I work with her.

Review 10

John A S.

West Lafayette, IN, Jul 7, 2026, 4:13 PM

5.0

The overall experience was made simple and stress free. Simply amazing!

Review 11

Claud Ernest F.

Lafayette, IN, May 26, 2026, 3:15 PM

5.0

Everything! Beth and team did everyting excellent. Beth always returned my calls, if she didn't take them as they came in! Beth and team made this the easiest home loan I have ever recieved! Beth kept me informed along the way and more than exceeded my expectations! There were no surprises and anytime I asked a question (believe there were a few lol) Beth took the time to address them expedisousley! Beth and team were a real pleasure to work with and I will certainly call upon them again!!!

Review 12

Mary Frances M.

Kokomo, IN, May 1, 2026, 3:08 PM

5.0

Communication was amazing. If I had any questions she would answer them and quickly!

Review 13

Colton Lee P.

Sheridan, IN, May 8, 2026, 4:00 PM

5.0

Beth is very knowledgeable and great to work with!

Review 14

Austin C.

Lafayette, IN, May 8, 2026, 3:30 PM

5.0

Beth is great and makes the process a breeze. Thank you!

Review 15

Keeley H.

Mulberry, IN, May 5, 2026, 3:06 PM

5.0

Beth was very friendly and worked with us through all the hurtles and "problems". She never gave up on us and we finally reached our goal with her help!

Review 16

Caleb W.

Lafayette, IN, Apr 19, 2026, 4:38 PM

5.0

Beth was incredibly helpful and knowledgeable about the whole process. We would recommend her to anyone!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

Apply Now

HomeNow™

Down Payment Assistance

Our most inclusive down payment assistance program!

This unique program offers 100% financing* for qualified FHA borrowers, plus up to 5% down payment assistance, and closing cost options!

*Restrictions apply. See website for details. The Ruoff Mortgage HomeNow™ Down Payment Assistance program is currently available in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, and Ohio. Please check with your loan officer for more information regarding state availability.

Beth Garrett

A Bit About Me

For 11 years I've helped first-time homebuyers, veterans, self-employed borrowers, credit-challenged clients, and families using down payment assistance or navigating new construction and life transitions throughout Indiana and Kentucky. I especially enjoy guiding new buyers and supporting repeat clients as their lives change through upsizing, refinancing, or divorce transitions. My relationship-first style means same-day replies, text-friendly communication, and availability evenings and weekends. I deliver fast clear pre-approvals, explain options without jargon, and creatively solve problems. Born and raised locally, I stay connected through Foodfinders. Outside work I love golf, watching football and baseball, and time with my family.

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

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

Ruoff Customer Experience Award Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

President's Club Award

President's Club

5x Winner

Awarded 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.

A couple looking at a phone smiling.

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. 

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

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.

Yes, you can buy a home while paying off student loans, even with significant debt, as long as you meet credit, income, and debt-to-income (DTI) requirements. Ruoff Mortgage assesses your total monthly payments, not just the total loan balance, to determine affordability. 

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.

Using the equity you have in your home, cash-out refinancing allows you to take out a new mortgage for more than you owe and receive the difference in cash to use for expenses like home improvements or paying off debt.

Have a question we didn't cover?

Ask me directly.

Text Beth

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, Kentucky

My Operating Hours

Available 24/7

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

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

Fair Housing Logo White

******†††‡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.