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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.

Thank you for
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 Dean Niepokoj
Picture of Dean Niepokoj

Hi, I'm Dean!

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 Dean!

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.
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*

  • I was surprised at how simple and fast the whole process was. I had complete trust in Dean. I was not looking forward to starting the refinance process because I had doubt that my best interests would be considered, but I am completely confident that Dean was looking out for what was best for my situation.

    Ann H, happy client
  • I bought a house from a friend with no realtor. I didn't know how any of it worked. Dean wore all hats. He took the time to explain it all and he did so directly and without dragging on or talking over my head. He made it easy.

    Bobby H, happy client
  • Dean really moved the process along and made everything easy.

    Miles T, happy client
  • I was very impressed with the speed of approval and closing. Dean was FANTASTIC. I have been telling everyone I know.

    Jane S, happy client
  • Great communication! I appreciate the time spent with us and willingness to answer questions. Everyone we interacted with was kind and delivered great customer service.

    Kristin P, happy client
  • I cannot single out one thing because EVERYTHING was perfect! In fact, I have already recommended Ruoff and Dean to a friend.

    Sandi E, happy client
  • We left the mortgage company that we had for years based on Dean's quick responses and attentiveness to our concerns. Ruoff matched the competitor's interest rate and the process went very smooth. Dean made me feel confident that we made the right choice.

    Amber J, happy client
  • Dean went out of his way to meet me before or after work and at places that were convenient for me. I did not have to use vacation time at all during the process. He explained everything well and took care of everything I asked for. He responded very quickly.

    Rhonda W, happy client
  • Dean went above and beyond to move this along. He made it fast and easy.

    Doug V, happy client
  • The knowledge and professionalism were second to none. You have a great employee in Dean Niepokoj! Went above and beyond his duty!

    Gus T, happy client
  • It was the easiest, smoothest closing we have ever had!

    Shelly S, happy client
  • Everything from start to finish was great! I have no complaints!

    Sarah M, 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 219.775.3383 or message me below!

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