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Picture of Cathe Music
Picture of Cathe Music

Hi, I'm Cathe!

Senior Loan Officer

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

99.94% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Cathe!

Senior Loan Officer

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

99.94% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I have worked in the real estate and housing business since 1985. My goal has always been to put the buyers that I work with into the right home that makes their individual ownership dream a reality. My partnership with Ruoff Mortgage has allowed me to keep doing just that.

There are many mortgage options available to buyers, or current homeowners, and the process can be very confusing without proper guidance. Available programs are changing all the time and you need someone who can narrow it down to what works for you and your circumstances. I will help make the process quick and uncomplicated for you and get you the mortgage product that is the best fit for your situation!

I realize that business hours are not real life hours! I am available to you at any time--your schedule is my schedule. You can reach me after hours and weekends by contacting me on my cell phone or by email. You can also contact me through the website and apply online at any time. You can be assured your information is secure and will come directly to me.

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President's Club Member

President's club seal 2018
President's club seal 2020
President's club seal 2021
President's club seal 2022
President's club seal 2023

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*

  • This was the second time I had used Cathe to buy a house & she was just as great as the first time. Whenever I had a question she would get me an answer right away. She always made the process so simple & easy. From the time we let her know our offer was accepted by the sellers she had all our paperwork done & ready to close 2 weeks later - the sellers of the house even mentioned how on top of everything Cathe was & how quick she got everything done at closing. I will always recommend Ruoff & Cathe to anyone who is looking for a lender!

    Brittney E, happy client
  • Cathe was absolutely amazing!! She cares. I didnt feel like it was just a job for her. I would recommend her and Ruoff to anyone and everyone! Thank you so much!

    Mistie P, happy client
  • Cathe was AMAZING! I was buying a property from out of state and using the VA loan. Through her compassion and professional approach we were able to buy the home of our dreams and all virtually. Thank you very much!

    Teresa C, happy client
  • Cathe Music has stepped up for my wife and I on so many occasions. We started purchasing investment properties this year and she has helped us close on 5 properties within a 4 month period. As new investors, we are grateful for her level of service and the the depth of knowledge she has shared with us. We view Cathe as a member of our team and are looking forward to working with her for years to come.

    Justin W, happy client
  • Cathe was terrific. She was always very quick to respond and thorough in her communication. I would recommend her to anyone. The app and technology made it very easy as well.

    Bryan H, happy client
  • Nancy and I was very shocked on how everything fell in place and so quick. Everything went so well, great communication, super nice, and very professional. Thanks Ruoff.

    Harold C, happy client
  • Cathe went over and beyond on helping me through the process. She had multiple days off and still helped me with whatever I needed.

    Arden H, happy client
  • Communication was great. We were notified of all our possible options and able to pick the best option for us!

    Chase M, happy client
  • Working with Cathe at Ruoff was wonderful. She helped us every step of the way on our year long journey of purchasing a new build. Cathe is a great communicator and made our home buying experience a pleasant one. Cathe helped us every step of the way. She is extremely knowledgeable and an absolute pleasure to work with. We can't thank her and her staff enough.

    Cristina A, happy client
  • Complete trust of Cathe Music. Excellent experience. She really worked hard for us. Highest regard and respect for her.

    Mikel T, happy client
  • The entire experience working with Cathe was amazing. She was absolutely amazing..

    Shaun B, happy client
  • Cathe was incredibly quick to respond any time we needed anything. She was so helpful throughout the entire process and explained things very clearly. She was great about keeping us informed and guiding us through the process.

    Caitlin W, 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.

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I would love to hear from you!

Call me at 260.438.6707 or message me below!

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