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.
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99.39%
Customer Satisfaction Score.

Awards
Proudly serving Michigan
Meet our happy homeowners***
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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
Can I Use a MSHDA Loan in Michigan With Another Down Payment Assistance Mortgage?
Nov 10, 2026
Buyers in Downriver, Michigan often ask whether an MSHDA loan can be paired with a second down payment assistance program. The short answer is that most combinations are not allowed. There is one clear exception that works for certain households.
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First Time Homebuyer Mistakes
Jun 16, 2026
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At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*



