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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.

Thank you for
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
Please complete all fields.
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Picture of Beth Garrett
Picture of Beth Garrett

Hi, I'm Beth!

Senior Loan Officer

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

99.68% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Beth!

Senior Loan Officer

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

99.68% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

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 them sound and reliable advice.
Get Started

President's Club Member

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*

  • Beth was great to work with from day one. She was very helpful and made the home buying process a breeze! She always kept us up to date and was always available whenever we had any questions. She made us feel at ease throughout our home buying journey! We would definitely work with Beth again!

    Justin O, happy client
  • Beth and her staff worked closely with my Realtor and the Title company, keeping the Title company on task

    Ricky B, happy client
  • I liked the real-time updates. I knew exactly where I was and could ask questions if needed. Beth was beyond awesome.

    Denona P, happy client
  • Beth was exceptional to work with...very knowledgeable and always friendly. It's a tough market out there and we couldn't have asked for a better mortgage broker.

    Benny L, happy client
  • We were on a short timeline and Beth was phenomenal in getting things done quickly. It was such an easy process with her. She was so quick to get back with any questions we had. Definitely would recommend Ruoff and Beth Garrett. We’ve never had a loan go so quickly and seamlessly.

    Mark P, happy client
  • Beth is absolutely amazing to work with. This is my third time using her for buying and refinancing. She has been honest, upfront, quick to respond, and extremely fast at getting the process done. I would highly recommend her to anyone in need of a loan officer.

    Steffi R, happy client
  • The communication and kindness was noteworthy. Keep doin what you're doin, I wouldn't change a thing! Beth Garrett was truly a blessing to work with.

    Marc B, happy client
  • Beth was absolutely amazing. She always kept us informed of situations. Her attention to detail was spot on. Beth is so good at what she does. She truly cares about her clients!

    Jonathan G, happy client
  • Beth and her team made this a very quick and easy process for me! It was nice being on this side of the loan for a change in order to learn how it works for my clients. I am 100% satisfied!

    Belinda S, happy client
  • Everything about my refinance went so smoothly and now I’m saving almost $300 a month! Everyone was so nice and Beth kept me up to date on all the ins and outs. I will always recommend Ruoff and Beth to others.

    Megan G, happy client
  • Beth was so pleasant and everything went smooth. She treated me so well!

    Patricia K, happy client
  • Beth was so personable and friendly that I immediately felt at ease when I talked to her on the phone. I was so nervous about the process and just her presence helped me!

    Brianna C, 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 765.427.7213 or message me below!

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