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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%
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Are you working with a loan officer?

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Your next step is to complete a full application.

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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Christi Nichols
Picture of Christi Nichols

Hi, I'm Christi!

Senior Loan Officer

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

96.80% Customer Satisfaction Rating

Hi, I'm Christi!

Senior Loan Officer

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

96.80% Customer Satisfaction Rating

Let me help you get pre-approved today!

As a loan officer with Ruoff, I like to think of my role as a facilitator. If I can be the link to a better life or financially improved circumstances, then I want to help them get there. In a way, I suppose my role is to simplify the process and make things as stress-free as possible. I work to put my clients’ minds at ease.  

So many people feel like getting a mortgage would be too complicated, too time-consuming, or expensive. I love walking them through the (sometimes) daunting process of refinancing and getting preapproved. I feel so thankful when I’m trusted with their personal information and the very roof over their heads. I take that responsibility seriously. I strive to be kind and helpful. I want to know that I have made a positive impact on someone every day.  

Working as a loan officer with Ruoff has given me this opportunity. Ruoff seems to have found a way to keep a loan flowing through a system seamlessly. The group goal of keeping that loan moving and getting it closed is so refreshing in an industry that can, at times, appear to be fighting amongst itself to prove why it shouldn’t close. I think the difference is in its people. We are genuinely passionate about our jobs, our work, and making things happen.  

The best advice I would give someone looking to buy or refinance is to ask if your lender makes you feel that they are in this with you and for you. If it feels like you and your loan are lost in the shuffle and your circumstances aren’t that important – you’re probably right.

Get Started

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

  • As a Real Estate Agent, I have worked along side a lot of lenders and I can say, without a doubt that Ruoff is one of the best there is! Christi Nichols is fantastic at helping my clients, always answers questions, is smart, on top of things, and is so great at communicating with me and my clients. What more could you ask for! I will continue to recommend her and Ruoff to my clients again and again.

    Rachel Hough, happy agent
  • I think everything went great!

    Rachael M, happy client
  • Christi Nichols was highly attentive, professional, and responsive to us during the loan process. We were buying a home private sale, without agents, and Christi really helped us get through some of the paperwork we would have otherwise struggled with. We came away with a competitive rate on the loan and a smooth experience.

    Michael & Katie D, happy client
  • Everything was quick and easy, every time something new came up with our loan we were able to resolve it in a fast and timely manner. Christi did a great job getting me through everything and explained everything great.

    Jason & Amber S., happy client
  • Christi Nichols is very professional and a great lender partner. She works hard to serve her customers and keep the transaction on track and running smoothly. Christi was a pleasure to work with!

    Erin J. , happy agent
  • Christi was on top of everything and made me feel really comfortable and not nervous about anything and I was completely nervous about doing this process and Christi made me forgot all about it! I would definitely recommend her and her company to anybody and everybody I know!

    Alex S. , happy client
  • Christi was absolutely wonderful! I was worried about how overwhelming the homebuying/mortgage process would be and everything she did made it so easy. Everything was explained so clearly and thoroughly. I wouldn’t change a thing!

    Allison T, happy client
  • Christi Nichols is one of the BEST! She goes above and beyond her duties as a Loan officer. Always professional, always available when you need a question answered, available when you need an on-the-spot preapproval letter. She is very attentive to her client's needs; Great at communicating with all parties, 100% does everything possible to problem solve and make a transaction go smoothly!

    Angela K., happy agent
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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.

Stay connected.

I would love to hear from you!

Call me at 330.631.4181 or message me below!

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