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 bio95.78%
Customer Satisfaction Score.



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

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

President's Club
5x WinnerAwarded 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.


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.
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