Picture of

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%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

Please complete all fields.

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.
High Contrast:
Get Started
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.

99.20% Customer Satisfaction Rating

Hi, I'm Cathe!

Senior Loan Officer

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

99.20% Customer Satisfaction Rating

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.

Get Started

President's Club Member

President's club seal 2018
President's club seal 2020

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

  • Cathe is top-notch at her job. knowledgeable, professional, efficient, timely, organized, personal, detail-oriented, patient, and funny. Her requests for information were clear,and she always acknowledged receipt. It was an excellent experience and unexpectedly straightforward given the stories you hear.

    Barbara S, happy client
  • We closed on our house in 16 days, and everything went well. Cathe was amazing and answered all of our questions quickly and made sure we had all of the documents necessary to speed to process along.

    Chris and Janelle T, happy client
  • Cathe really cared for me as I had been mortgage shopping for quite a while. I was never satisfied with the results while trying to work with another bank. I really appreciated the personal assistance I experienced with Cathe!

    Jeanne C, happy client
  • She kept me informed and made it seem like my loan was her first priority.

    Colton A, happy client
  • This process went so well and it was because of Cathe Music. She was always there to guide us through the mortgage loan process. Cathe was there whenever we had questions and did not understand something. It made this process a lot easier.

    Jamie F, happy client
  • Cathe was amazing! We had a few obstacles to getting a mortgage and she helped get us through them. We would not have our beautiful home without her!

    Danielle Z, happy client
  • The communication with Cathe was awesome. Anytime I ever had a question, she would respond within minutes. I'm kind of sorry the experience is over because Cathe was amazing and made the process painless!

    Jessica C, happy client
  • Cathe was always ready and available for us and she loves her job and she made us feel like family we couldn't have done it without her.

    Ashlie B, happy client
  • Cathe was on the ball and moved the process along for us in a timely fashion. When we had issues with getting information from the sellers Cathe was quick to lend a hand and send emails to get our questions answered!

    Shaun C, happy client
  • Very organized, prompt answers to the questions asked and I closed in 4 weeks, fantastic job!

    Cynthia C, happy client
  • All I can say is Cathe was THE best person I could ever have wanted to work with. She was totally there "with" me all the way!! Cathe is truly a great asset to Ruoff!!

    Darlene C, happy client
  • Every time I had a question or concern, Cathe replied within minutes and explained everything in concise and understanding terms that made me think everything was moving along as planned.

    Rachel Y, happy client
See More

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 260.438.6707 or message me below!

Download our !