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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.

98.40% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Christi!

Senior Loan Officer

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

98.40% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Hello there! I’m Christi Nichols, your dedicated guide to the hassle-free home financing experience you have been looking for. With a rich background in media and a passion for making dreams of homeownership come true, I bring a distinctive blend of expertise and personal touch to mortgage lending.

Whether you're a first-time homebuyer embarking on this exciting journey or a seasoned homeowner seeking a new space, I specialize in tailoring solutions to fit your unique needs. From conventional mortgages to FHA, VA, and USDA options, I will guide you through a spectrum of choices, such as down payment assistance, community grants, and specialized programs like the Ohio Heroes initiative. I'm here to make it happen for you. Together, we'll navigate your budget and comfort levels, ensuring a seamless and empowering experience.

Before I stepped into the world of mortgage lending, I spent an incredible 27 years as the voice behind your local morning radio shows. Having seen over 700 concerts, being the first voice of Siri in its planning stages, soothing guests with my on-hold voice at Hilton Hotels, and even lending my voice to vehicle notifications, my journey has been quite diverse. Why Mortgages, you ask? Having encountered my share of rough financing experiences while buying and selling homes, I made a conscious decision to become a Loan Officer. My goal is clear. I help my borrowers not only understand the lending process but also embrace it. I act as their advocate, ensuring confidence every step of the way.

As a single mom to a vivacious daughter, family is at the heart of everything I do. Beyond mortgages, my passions extend to the great outdoors, daily walks, hiking, kayaking, rock climbing, cooking, tending to my garden, and reading in the shade or a simple craft project in my free time. I'm not just a mortgage professional, I'm someone who values the security and safety of a home.

I have also hosted foreign exchange students, which has been a transformative experience for me, adding layers of cultural richness to my life. Having a place to call my own has given me the profound joy of rescuing plants, animals, and anyone else who needs a loving home. My personal experiences drive my commitment to helping borrowers achieve their homeownership goals. Join me in this journey, where securing your dream home isn't just a transaction — it's a personalized experience guided by expertise, empathy, and a genuine love for the place we call home.

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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
  • 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
  • I think everything went great!

    Rachael M, 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 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 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 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
  • 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
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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.

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I would love to hear from you!

Call me at 330.631.4181 or message me below!

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