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Cheryl Wooster

Senior Loan Officer

NMLS: 205826

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Cheryl

98.34%

Customer Satisfaction Score.

Scotsman Guide AwardPresident's Club Award

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Christina L C.

Peru, IN, Dec 29, 2023, 12:39 PM

5.0

Cheryl made the loan experience extremely easy and quick. Her expertise and knowledge were superb. I couldn’t have asked for a better loan officer.

Review 2

Sheila R H.

INDIANAPOLIS, IN, Feb 19, 2024, 4:11 PM

5.0

At one of the most stressful, exciting, times in life ( buying a house) I was blessed to have a loan officer (Cheryl) that was not only great at her job she was great at calming my fears, explaining everything to me,and listening to me! Best person to work with! Also said although we closed I could still contact her with any questions or concerns! Who does that these days! Thank you for everything

Review 3

Patti S M.

Rushville, IN, Jul 20, 2026, 1:22 PM

5.0

Cheryl has a great network of service providers that I could choose from to work with in the buying process. She was very accommodating with my circumstance of being an out-of-state resident while going through the purchase of a home to move to in Indiana.

Review 4

Emilio A.

Whiteland, IN, Jun 19, 2026, 6:09 PM

5.0

Cheryl was knowledgeable and walked us through the whole process in detail

Review 5

Tracy F E.

Whiteland, IN, Jun 18, 2026, 10:43 PM

5.0

We initially applied for a new home loan online and had instant results. Then we spoke with Cheryl, who was very helpful all along the way. She never let anything fall through the cracks. With this being our very first home purchase, she explained things very clearly and patiently and probably more than once.

Review 6

Valerie L W.

Morgantown, IN, Jun 3, 2026, 3:11 PM

5.0

The entire process from beginning to end was very simple and easy! I would highly recommend Cheryl and Ruoff Mortgage!

Review 7

Kristene L R.

Indianapolis, IN, Jun 9, 2026, 1:16 PM

5.0

Cheryl was attentive to my needs and kept me informed. She found solutions and opportunities that made the process easier and affordable. I am so grateful to work with Cheryl and her team.

Review 1

Christina L C.

Peru, IN, Dec 29, 2023, 12:39 PM

5.0

Cheryl made the loan experience extremely easy and quick. Her expertise and knowledge were superb. I couldn’t have asked for a better loan officer.

Review 2

Sheila R H.

INDIANAPOLIS, IN, Feb 19, 2024, 4:11 PM

5.0

At one of the most stressful, exciting, times in life ( buying a house) I was blessed to have a loan officer (Cheryl) that was not only great at her job she was great at calming my fears, explaining everything to me,and listening to me! Best person to work with! Also said although we closed I could still contact her with any questions or concerns! Who does that these days! Thank you for everything

Review 3

Patti S M.

Rushville, IN, Jul 20, 2026, 1:22 PM

5.0

Cheryl has a great network of service providers that I could choose from to work with in the buying process. She was very accommodating with my circumstance of being an out-of-state resident while going through the purchase of a home to move to in Indiana.

Review 4

Emilio A.

Whiteland, IN, Jun 19, 2026, 6:09 PM

5.0

Cheryl was knowledgeable and walked us through the whole process in detail

Review 5

Tracy F E.

Whiteland, IN, Jun 18, 2026, 10:43 PM

5.0

We initially applied for a new home loan online and had instant results. Then we spoke with Cheryl, who was very helpful all along the way. She never let anything fall through the cracks. With this being our very first home purchase, she explained things very clearly and patiently and probably more than once.

Review 6

Valerie L W.

Morgantown, IN, Jun 3, 2026, 3:11 PM

5.0

The entire process from beginning to end was very simple and easy! I would highly recommend Cheryl and Ruoff Mortgage!

Review 7

Kristene L R.

Indianapolis, IN, Jun 9, 2026, 1:16 PM

5.0

Cheryl was attentive to my needs and kept me informed. She found solutions and opportunities that made the process easier and affordable. I am so grateful to work with Cheryl and her team.

Review 8

Kalyssa Marie G.

Anderson, IN, Apr 10, 2026, 5:21 PM

5.0

Communication was great! The whole process went fast and smooth!

Review 9

Bonnie G.

Fountaintown, IN, Mar 10, 2026, 2:51 PM

5.0

Cheryl was phenomenal and we will recommend her to anyone as someone recommended her to us!

Review 10

Brandon Thomas N.

Fountaintown, IN, Mar 5, 2026, 5:01 PM

5.0

Cheryl was very helpful during the whole process.

Review 11

Baylee C.

Greenwood, IN, Mar 5, 2026, 3:00 PM

5.0

My wife and I are first-time home buyers and didn't have a lot of knowledge about the home-buying process. We chose Cheryl because right away we knew she was going to walk us through every step, answer any questions in a thorough manner, and be there whenever we had any questions. She made this entire process very easy and we learned a lot as well! We are very thankful for her service.

Review 12

Sotiria N.

Greenwood, IN, Mar 4, 2026, 10:13 PM

5.0

Responding to all of our questions and making us understand the process as a first time home owners

Review 13

Bailey Catherine M.

Indianapolis, IN, Feb 14, 2026, 4:06 AM

5.0

Cheryl was wonderful and so responsive!

Review 14

Phillip E O.

Whiteland, IN, Feb 3, 2026, 4:27 PM

5.0

The best in communication with me and how easy the process was

Review 15

Sandra D.

Greenwood, IN, Feb 2, 2026, 4:25 PM

5.0

Explained every step, Have used Cheryll before alway. Excellent Job.

Review 8

Kalyssa Marie G.

Anderson, IN, Apr 10, 2026, 5:21 PM

5.0

Communication was great! The whole process went fast and smooth!

Review 9

Bonnie G.

Fountaintown, IN, Mar 10, 2026, 2:51 PM

5.0

Cheryl was phenomenal and we will recommend her to anyone as someone recommended her to us!

Review 10

Brandon Thomas N.

Fountaintown, IN, Mar 5, 2026, 5:01 PM

5.0

Cheryl was very helpful during the whole process.

Review 11

Baylee C.

Greenwood, IN, Mar 5, 2026, 3:00 PM

5.0

My wife and I are first-time home buyers and didn't have a lot of knowledge about the home-buying process. We chose Cheryl because right away we knew she was going to walk us through every step, answer any questions in a thorough manner, and be there whenever we had any questions. She made this entire process very easy and we learned a lot as well! We are very thankful for her service.

Review 12

Sotiria N.

Greenwood, IN, Mar 4, 2026, 10:13 PM

5.0

Responding to all of our questions and making us understand the process as a first time home owners

Review 13

Bailey Catherine M.

Indianapolis, IN, Feb 14, 2026, 4:06 AM

5.0

Cheryl was wonderful and so responsive!

Review 14

Phillip E O.

Whiteland, IN, Feb 3, 2026, 4:27 PM

5.0

The best in communication with me and how easy the process was

Review 15

Sandra D.

Greenwood, IN, Feb 2, 2026, 4:25 PM

5.0

Explained every step, Have used Cheryll before alway. Excellent Job.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Cheryl Wooster

A Bit About Me

I have been helping individuals and families achieve their homeownership goals since 1993. I am passionate about providing exceptional service and educating clients so they can make informed mortgage financing decisions. By staying current on lending guidelines, programs, and market trends, I provide personalized solutions for home purchases, refinances, renovation loans, and programs for first-time homebuyers. My goal is to make the mortgage process smooth and stress-free while delivering trusted guidance every step of the way. Outside of work, I enjoy spending time with my family, spoiling my dog, traveling, and staying involved in my community. Helping families achieve homeownership is one of the most rewarding parts of my career.

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

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

President's Club Award

President's Club

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Indiana

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

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******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.