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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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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.

100.00% Customer Satisfaction Rating

Hi, I'm Christi!

Senior Loan Officer

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

100.00% 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

  • This is the fifth house I have purchased and I wish I had had Christi for every one of them, she was so patient and helpful with every aspect of my purchase. With the market being so hot I had to get multiple pre-approval letters from her and had to call her so many times with all the questions I had about the purchase, and she always was very courteous and helpful in every aspect, a true professional at her work! I even had to withdrawal from a house I wanted after issues on the final inspection, and as usual, she helped me by getting my appraisal money on that house refunded to me!! Thanks, Christi, it was a true pleasure!

    Noel R, happy client
  • Christi Nichols did a fabulous job shepherding me through the process. She was clear in what I needed to provide and worked to troubleshoot when necessary to keep things on track - even during COVID and a holiday week!

    Beth K, happy client
  • All good, great experience

    Daniel B, happy client
  • Christi was a pleasure to work with. She kept us up to date every step of the way on the refinance process and answered any questions or concerns we had immediately. We felt supported throughout the entire process. Christi had great advice and was always looking out for our best interest. I would definitely recommend anyone that is refinancing to use Christi and her team. Given a chance in the future she would be my first choice to work with.

    Michael H, happy client
  • My husband and I were so thankful we found Christi to take care of the refinance of our home. She was very patient with us and answered all of our million questions, promptly. The entire process was quick and seamless and we couldn't be happier with her expertise. Thank you, Christi, for being so wonderful and taking good care of us!

    Erin S, happy client
  • Christy was so great. She was very patient with me and made sure I knew what every step entailed. Christy was so easy to work with it made the process very easy for someone like me who doesn't fully understand processes like this. She was amazing!

    John M, 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
  • I just bought my first home! It was scary and fun at the same time. Christi did such a good job getting me pre-approved and explaining just what she was asking for and why. It was a process for sure. So glad she walked me through it.

    Karen V, happy client
  • I think everything went great!

    Rachael M, happy client
  • I am so grateful to Christi for helping me refinance my home. She helped me understand my options and guided me through the steps that I needed to take to qualify. She is knowledgeable, professional, patient...I could go on and on. I recommend everyone to talk to her about any mortgage needs. Thank You Christi!

    Bozena U, happy client
  • Christi kept me informed of the whens and whys before they happened. This put my mind at ease through the refinancing process. It was so quick and easy with Christi as my guide!

    Tracy S, 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.

Stay connected.

I would love to hear from you!

Call me at 330.631.4181 or message me below!

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