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Picture of Cyndi Handley
Picture of Cyndi Handley

Hi, I'm Cyndi!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Cyndi!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

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.
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What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

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*

  • 5.0
    Rating source icon

    Cyndi was great to deal with. As a first time homeowner there is a lot of unknown going through this process for the first time. Cyndi was great with answering my calls and clearing up any question or concern I had. Greatly appreciated. Highly recommend going through ruoff!

    Joseph R. K.

    Elkhart, IN, July 2nd, 2024 03:23 PM

  • 5.0
    Rating source icon

    Cyndi made this process bearable for me. She held my hand and led me through the process with such grace and understanding. She has gained a forever customer. Thank you so much, Cyndi. I am forever grateful! You are truly awesome.

    Tricia Isieni A.

    Mishawaka, IN, April 30th, 2024 03:13 PM

  • 5.0
    Rating source icon

    Very clear and quick communication. Kindly answered all of my questions.

    Christa J S.

    Elkhart, IN, May 23rd, 2024 11:07 AM

  • 5.0
    Rating source icon

    Cyndi Hartley is awesome and made my experience stress free.

    Dena D L.

    Elkhart, IN, June 9th, 2024 11:39 AM

  • 5.0
    Rating source icon

    From the start of the process, Cyndi was amazing to work with! She handled the pre-approval process with ease & was always available to talk when we wanted to see what different numbers would look like. We must have asked her run at least 10 different scenarios, and she always did so quickly, kindly, & with such patience. All of our questions were answered in a timely manner throughout the entire process. Our previous house buying experience with a different lender several years ago was a nightmare and I was honestly dreading doing it again. But I'm just shocked at how easy everything was with Cyndi! She made the whole process a breeze & we will gladly use her again in the future. 15/10 stars to Cyndi!

    Rachel E M.

    Bristol, IN, June 29th, 2023 12:13 PM

  • 5.0
    Rating source icon

    Everything went great! Cyndi made the entire process easy and quick.

    Monica A.

    ELKHART, IN, July 2nd, 2023 01:12 PM

  • 5.0
    Rating source icon

    No stress. Knew we were in good hands from the start. Trusted the pros and landed our dream home. The American Dream ain't dead yet.

    Peter J N.

    Cassopolis, MI, April 6th, 2024 08:35 PM

  • 5.0
    Rating source icon

    Cyndi was a pleasure to work with from start to finish! She had a positive attitude, was very responsive and transparent in her thoughtful advice and I always looked forward to our phone calls.

    Diana C N.

    Cassopolis, MI, April 6th, 2024 07:12 PM

  • 5.0
    Rating source icon

    Cyndi explained everything thoroughly to make sure we understood since we were first time homebuyers. She kept constant communication with updates and needs.

    Michael P W.

    Goshen, IN, March 11th, 2024 11:24 AM

  • 5.0
    Rating source icon

    Cyndi, Cyndi, Cyndi....where to start. Such an incredible human being. She walked us through the entire process with easy navigation. She was always available for questions and concerns and responded super promptly when messages were sent. Her professionalism, expertise of the entire loan process, and attention to detail made her such a great privilege and blessing to work with. ♡

    Christian J A.

    Elkhart, IN, March 18th, 2024 10:09 PM

  • 5.0
    Rating source icon

    Cyndi was extremely helpful when it came to being new home buyers! She made sure to answer any questions we had and went in depth with what to expect! She always had a great attitude, even bearing bad news. I would recommend her to anyone and everyone who is looking to buy a home! 10/10 :)

    Megan E W.

    Goshen, IN, March 22nd, 2024 11:23 AM

  • 5.0
    Rating source icon

    Cyndi went out of her way to keep me from a situation where I’d have to pay rent and the mortgage in the same month. And on the same day As I didn’t realize the apartment complex required a 2 month notice to move out. In that regard I feel she went above and beyond. She was also quick to answer questions I had along the way. Will 100% recommend her if someone starts looking for a house!

    Matthew J J.

    South Bend, IN, March 5th, 2024 01:17 PM

  • 5.0
    Rating source icon

    Everything went great and actually exceeded my expectations. The loan process was smooth and rapid and closing happened much earlier than I anticipated. I am very please with Ruoff and my loan officer and will not be reluctant to recommend Ruoff to all of my family and friends that are in the market to purchase a new home.

    Darrell R E.

    Niles, MI, November 25th, 2023 11:20 AM

See More

Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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I would love to hear from you!

Call me at 574.206.1177 or message me below!

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