When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Dawn McCarty-Hoppes | Mortgage Loan Officer

Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Dawn McCarty-Hoppes

VP | Branch Manager

NMLS: 82364

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio

Apply Now Call Dawn

99.73%

Customer Satisfaction Score.

Awards

Proudly serving Michigan

Meet our happy homeowners***

View All Testimonials

Cassandra F L.

Southgate, MI, Sep 2, 2026, 4:27 PM

5.0

Amazing communication and explanation during the entire process

Samantha Kay J.

Taylor, MI, Aug 26, 2026, 5:21 PM

5.0

From day one, Dawn and Austin were GREAT to work with. Both were wonderful with communication, explaining the process and steps, and overall just very helpful throughout my whole journey. I'd definitely recommend Ruoff to others. Thanks guys!!

Ronald R.

Westland, MI, Jul 29, 2026, 5:07 PM

5.0

Very good experience, everything went smoothly. AAA+

Krystine Terese C.

Lake Orion, MI, Jul 30, 2026, 3:17 PM

5.0

Dawn is the best!

Penni Marie S.

Dearborn Heights, MI, Jul 28, 2026, 3:31 PM

5.0

Dawn was very communiactive and helpfu. the process was very smooth and fast. We were able to close in 20 days. she was on top of everything and kept me on task. Highly recommen.

David F.

Brownstown, MI, Jul 6, 2026, 6:00 PM

5.0

Dawn was so informative with us. She always answered all our questions. She was very friendly and knowledgeable. Would do business with her again if we needed a mortgage.

Cassandra F L.

Southgate, MI, Sep 2, 2026, 4:27 PM

5.0

Amazing communication and explanation during the entire process

Samantha Kay J.

Taylor, MI, Aug 26, 2026, 5:21 PM

5.0

Ronald R.

Westland, MI, Jul 29, 2026, 5:07 PM

5.0

Very good experience, everything went smoothly. AAA+

Krystine Terese C.

Lake Orion, MI, Jul 30, 2026, 3:17 PM

5.0

Dawn is the best!

Penni Marie S.

Dearborn Heights, MI, Jul 28, 2026, 3:31 PM

5.0

Dawn was very communiactive and helpfu. the process was very smooth and fast. We were able to close in 20 days. she was on top of everything and kept me on task. Highly recommen.

David F.

Brownstown, MI, Jul 6, 2026, 6:00 PM

5.0

Dawn was so informative with us. She always answered all our questions. She was very friendly and knowledgeable. Would do business with her again if we needed a mortgage.

Anne J D.

Milan, MI, Jun 29, 2026, 1:23 PM

5.0

We bothered Dawn alot and really appreciate her taking the time to answer our questions.

James L.

Romulus, MI, Jun 27, 2026, 5:23 PM

5.0

Communication was excellent

Terra S.

Taylor, MI, Jun 6, 2026, 3:29 PM

5.0

Dawn was so amazing! I had so many questions and changed my mind on refinance amounts more than once and she never once got annoyed or frustrated with me. She was always professional and courteous.

Jennifer L T.

Southgate, MI, Apr 14, 2026, 3:05 PM

5.0

Dawn was amazing and kept us up to date and well informed every step of the process!

Catherine F.

Taylor, MI, Apr 2, 2026, 2:41 PM

5.0

Dawn is my go-to for all of mine & my client's mortgage needs!

Tammy J W.

Romulus, MI, Mar 24, 2026, 3:07 PM

5.0

talk me kept me updated. She always made sure I understood exactly what was going on ye

Kyle W A.

Woodhaven, MI, Mar 3, 2026, 11:06 PM

5.0

Dawn was excellent; she helped walk me through the process easily.

Anne J D.

Milan, MI, Jun 29, 2026, 1:23 PM

5.0

We bothered Dawn alot and really appreciate her taking the time to answer our questions.

James L.

Romulus, MI, Jun 27, 2026, 5:23 PM

5.0

Communication was excellent

Terra S.

Taylor, MI, Jun 6, 2026, 3:29 PM

5.0

Dawn was so amazing! I had so many questions and changed my mind on refinance amounts more than once and she never once got annoyed or frustrated with me. She was always professional and courteous.

Jennifer L T.

Southgate, MI, Apr 14, 2026, 3:05 PM

5.0

Dawn was amazing and kept us up to date and well informed every step of the process!

Catherine F.

Taylor, MI, Apr 2, 2026, 2:41 PM

5.0

Dawn is my go-to for all of mine & my client's mortgage needs!

Tammy J W.

Romulus, MI, Mar 24, 2026, 3:07 PM

5.0

talk me kept me updated. She always made sure I understood exactly what was going on ye

Kyle W A.

Woodhaven, MI, Mar 3, 2026, 11:06 PM

5.0

Dawn was excellent; she helped walk me through the process easily.

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Property Tax

/mo.

Homeowners Insurance

/mo.

HOA Fees

/mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

Apply Now

A Bit About Me

Hi, I’m Dawn McCarty Hoppes, Branch Manager at Ruoff Mortgage, and I’ve been proudly serving clients in the mortgage industry since 1994. With decades of experience as a loan officer, manager, and trainer, I’ve seen it all—and what’s never changed is my passion for helping first-time homebuyers achieve their dreams of homeownership. I stay in close contact with my clients throughout the entire process. I specialize in first-time homebuyer programs and thrive on helping clients find the right solution for their unique needs. If you’re looking for a lender who combines experience, determination, and a bit of competitive grit, I’d be honored to help you reach your homeownership goals. Let’s make it happen!

Awards & Achievements

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

My Latest Blogs

First Time Homebuyer Mistakes

Jun 16, 2026

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Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

42

Years of helping homeowners like you

15 DAY

Average Clear to Close**

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Meet our happy homeowners***

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Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

My Latest Blogs

Experience the Ruoff Advantage

42

15 DAY

98.5%

42

15 DAY

98.5%