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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?

Let's connect!

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Your next step is to complete a full application.

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reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Cindy Julian
Picture of Cindy Julian

Hi, I'm Cindy!

Senior Loan Officer

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

98.00% Customer Satisfaction Rating

Hi, I'm Cindy!

Senior Loan Officer

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

98.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
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

  • Cindy was absolutely amazing. This is my first time purchasing a house and on top of that going through a lot in life. She was very helpful throughout the whole process. Quick to return emails and phone calls. She answered all the questions I had. She even went as far as offering to pick up or drop off papers. Living a busy life with her own family, Cindy was able to make quick response times. She was very positive and understanding through it all. Cindy is a person who is so dedicated to her job and wants her clients to be as successful as possible during this process. I would 100% recommend everyone who is purchasing a house to go through Cindy. To me, there is absolutely NO other option.

    Curtni M, happy client
  • Cindy was amazing! She was there no matter what time of day with a quick response and was always so kind with my many questions! She was always 2 steps ahead & on top of everything. I will always refer her!

    Ronna D, happy client
  • Cindy is very prompt and responded to our questions quickly. She is very knowledgeable and helpful from application to closing - she even offered to help us move! That's just the type of person she is. We wouldn't use anyone else! Thanks Cindy Julian and Ruoff!

    Eric S, happy client
  • My experience was fantastic. Cindy was very personable and made me feel like more of a friend than a client. I felt very comfortable with her. I am a very anxious person and she was awesome at calming nerves and positive thinking!

    Amy C, happy client
  • Cindy was always prompt, knowledgeable and very patient with all of my many questions. I have recommended her to many friends. She is such an asset to your company in many ways.

    Kenisha S, happy client
  • Cindy was such a great help, and did a wonderful job of explaining everything to my husband and I as first time home buyers!! We appreciate every thing she did!

    Taylor S, happy client
  • Communication was excellent with Cindy. She did an amazing job keeping us informed on any changes. She was knowledgeable on with every question we had and was prompt with paperwork

    Adam M, happy client
  • Cindy Julian pretty much held our hand the whole time through the process!! She always stayed in touch with me and always made herself available for questions at any time! Cindy definitely went above and beyond for me!

    John , happy client
  • Everything went well! We were so pleased with how everything was handled! We will be telling everyone about Ruoff!

    Jayda G, happy client
  • I really wish everyone could work with Cindy Julian. She was fantastic and made everything super easy for us. I really appreciated how reassuring she was, that she took time to explain things so we could understand, and that she was available to us any time we needed her (no matter what we needed her for).

    Kaylin B, happy client
  • Cindy was excellent, she went above and beyond to help me turn things in and answered every question I had in a way that was easy for me to understand.

    Rachel B, happy client
  • Made us feel comfortable with the entire process. It had been years since I purchased a home and at my age I was a little skeptical, but Cindy was always reassuring and answered my questions.

    Twila C, 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 812.564.3556 or message me below!

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