When will I know my mortgage rate?

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.

What does a mortgage calculator do?

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.

What credit score do I need to qualify for a mortgage?

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.

What documents do I need to apply for a mortgage?

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.

Charlie Morgan | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Edward R. B.

Westerville, OH, Jun 9, 2026, 4:17 PM

Charlie's communicaion and knowledge kept us prepared for everything. No surprises. He and the team keep up moving and on task; went above and beyond to ensure positive experience.

Kelly L. B.

Westerville, OH, Jun 9, 2026, 3:11 PM

Working with Charlie was more like working with family. He was very responsive kind and respectful. You don't move every day so making these life decisions with a trusted partner is essential. I would recommend him to everyone I know.

Evangeline G.

Asheville, NC, May 18, 2026, 1:09 AM

Always a pleasure working Charlie!

Conley B.

Dublin, OH, Mar 31, 2026, 3:02 PM

Charlie is the man! Very timely with our deadlines and made the whole process very simple!

Hadley B.

Dublin, OH, Mar 30, 2026, 4:49 PM

Charlie was great during the entire experience! was so easy to communicate with and guided us along our mortgage journey with ease! Grateful to have worked with him during our home buying experience! was very pleasant :)

Zoe C.

Columbus, OH, Mar 24, 2026, 3:40 PM

Ruoff was great to work with! They made everything such a seamless experience and were very responsive and helpful with any questions!

Edward R. B.

Westerville, OH, Jun 9, 2026, 4:17 PM

Charlie's communicaion and knowledge kept us prepared for everything. No surprises. He and the team keep up moving and on task; went above and beyond to ensure positive experience.

Kelly L. B.

Westerville, OH, Jun 9, 2026, 3:11 PM

Working with Charlie was more like working with family. He was very responsive kind and respectful. You don't move every day so making these life decisions with a trusted partner is essential. I would recommend him to everyone I know.

Evangeline G.

Asheville, NC, May 18, 2026, 1:09 AM

Always a pleasure working Charlie!

Conley B.

Dublin, OH, Mar 31, 2026, 3:02 PM

Charlie is the man! Very timely with our deadlines and made the whole process very simple!

Hadley B.

Dublin, OH, Mar 30, 2026, 4:49 PM

Charlie was great during the entire experience! was so easy to communicate with and guided us along our mortgage journey with ease! Grateful to have worked with him during our home buying experience! was very pleasant :)

Zoe C.

Columbus, OH, Mar 24, 2026, 3:40 PM

Ruoff was great to work with! They made everything such a seamless experience and were very responsive and helpful with any questions!

Braden P.

Worthington, OH, Mar 11, 2026, 3:46 PM

Smoothest loan experience I could imagine - Charlie was wonderful to work with.

Natasha Krystofik P.

Worthington, OH, Mar 8, 2026, 6:22 PM

Clear & efficient communication and instruction

Christopher P B.

Columbus, OH, Mar 3, 2026, 4:03 PM

Charlie was quick and thorough. He took a heavy task of 16 day closing and made sure everything went smooth! I couldnt imagine a better experience than what Charlie provided and would recommend him to anyone.

Jenna M P.

Columbus, OH, Mar 2, 2026, 12:42 AM

Charlie was consistently communicative and very timely.

Daniel James W.

Asheville, NC, Dec 1, 2025, 7:55 PM

I've never had a loan experience go so smoothly and everyone we worked with at Ruoff was extremely friendly and helpful for all of our questions. Thanks for making the experience feel so smooth.

Jacob H.

Dublin, OH, Dec 2, 2025, 4:05 PM

Charlie is the best loan officer I've eve

Crystal R.

Clyde, NC, Oct 14, 2025, 2:03 AM

Charlie was super nice.... even when I was not as nice as i should be!!!

Braden P.

Worthington, OH, Mar 11, 2026, 3:46 PM

Smoothest loan experience I could imagine - Charlie was wonderful to work with.

Natasha Krystofik P.

Worthington, OH, Mar 8, 2026, 6:22 PM

Clear & efficient communication and instruction

Christopher P B.

Columbus, OH, Mar 3, 2026, 4:03 PM

Charlie was quick and thorough. He took a heavy task of 16 day closing and made sure everything went smooth! I couldnt imagine a better experience than what Charlie provided and would recommend him to anyone.

Jenna M P.

Columbus, OH, Mar 2, 2026, 12:42 AM

Charlie was consistently communicative and very timely.

Daniel James W.

Asheville, NC, Dec 1, 2025, 7:55 PM

I've never had a loan experience go so smoothly and everyone we worked with at Ruoff was extremely friendly and helpful for all of our questions. Thanks for making the experience feel so smooth.

Jacob H.

Dublin, OH, Dec 2, 2025, 4:05 PM

Charlie is the best loan officer I've eve

Crystal R.

Clyde, NC, Oct 14, 2025, 2:03 AM

Charlie was super nice.... even when I was not as nice as i should be!!!

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

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

Apply Now

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.