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Beth Garrett

Senior Loan Officer

NMLS: 782760 | KY: MC921765

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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Beth

95.78%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerPresident's Club

Awards

Proudly serving Indiana, Kentucky

Meet our happy homeowners***

View All Testimonials

Dakota D W.

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

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!!

Noah E C.

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

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

Michael Richard M.

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

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.

Savannah Belle R.

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

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.

William Andrew E.

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

Overall quick to answer calls and questions

Darrell Franklin R.

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

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.

John A S.

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

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

Claud Ernest F.

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

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!!!

Dakota D W.

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

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!!

Noah E C.

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

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

Michael Richard M.

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

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.

Savannah Belle R.

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

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.

William Andrew E.

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

Overall quick to answer calls and questions

Darrell Franklin R.

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

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.

John A S.

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

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

Claud Ernest F.

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

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!!!

Mary Frances M.

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

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

Colton Lee P.

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

Beth is very knowledgeable and great to work with!

Austin C.

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

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

Keeley H.

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

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!

Caleb W.

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

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

Richard G B.

FRANKFORT, IN, Apr 13, 2026, 9:30 AM

Beth is fantastic at what she does. We bought our first house with Beth, refinanced a house, and bought this second home with Beth. She is the only person I will deal with. She makes the process easy and understandable. She is quick to respond to any questons.

Daniel S P.

INGALLS, IN, Apr 8, 2026, 3:18 PM

You stayed consistent with the process!

Janet F.

Lafayette, IN, Apr 8, 2026, 11:40 AM

Prompt, friendly service - willing to assist in any way.

Mary Frances M.

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

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

Colton Lee P.

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

Beth is very knowledgeable and great to work with!

Austin C.

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

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

Keeley H.

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

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!

Caleb W.

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

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

Richard G B.

FRANKFORT, IN, Apr 13, 2026, 9:30 AM

Beth is fantastic at what she does. We bought our first house with Beth, refinanced a house, and bought this second home with Beth. She is the only person I will deal with. She makes the process easy and understandable. She is quick to respond to any questons.

Daniel S P.

INGALLS, IN, Apr 8, 2026, 3:18 PM

You stayed consistent with the process!

Janet F.

Lafayette, IN, Apr 8, 2026, 11:40 AM

Prompt, friendly service - willing to assist in any way.

Calculate Based on Your Individual Needs


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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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Beth Garrett

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

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.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

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

President's Club

President's Club

5x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

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

Beth Garrett

Senior Loan Officer

NMLS: 782760

KY: MC921765

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.

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.