Ruoff Mortgage
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Dennis Bobby

VP | Branch Manager

NMLS: 173918

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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Dennis

99.36%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award Winner

Awards

Proudly serving Michigan

Meet our happy homeowners***

View All Testimonials

Michael Robert T.

Roseville, MI, Jul 20, 2026, 3:26 PM

The overall experience

Felicia Jewell C.

Lincoln Park, MI, Jul 20, 2026, 3:07 PM

Dennis made what we thought was impossibl, possible! We really appreciate his help and hard work for our family, with buying our first home!

Masen Raymond V.

Rochester Hills, MI, Jul 3, 2026, 3:20 PM

id like to thank Dennis for all the help through this process as I was a first time home buyer with a unique situation , everything was clear and concise with no surprises. Very appreciative for Dennis and the team! I cannot thank you all enough!

Mark S R.

BATTLE CREEK, MI, Jun 10, 2026, 3:05 PM

You stayed right with it

Joshua Michael N.

Saint Clair Shores, MI, Jun 2, 2026, 3:11 PM

Communication was so great and fast, made this whole process so much easier and for first time homebuyers, it was a blessing to have them on our side.

Sualda L.

CLINTON TOWNSHIP, MI, May 27, 2026, 4:09 PM

Verh helpful through out the proces.

Michael Robert T.

Roseville, MI, Jul 20, 2026, 3:26 PM

The overall experience

Felicia Jewell C.

Lincoln Park, MI, Jul 20, 2026, 3:07 PM

Dennis made what we thought was impossibl, possible! We really appreciate his help and hard work for our family, with buying our first home!

Masen Raymond V.

Rochester Hills, MI, Jul 3, 2026, 3:20 PM

id like to thank Dennis for all the help through this process as I was a first time home buyer with a unique situation , everything was clear and concise with no surprises. Very appreciative for Dennis and the team! I cannot thank you all enough!

Mark S R.

BATTLE CREEK, MI, Jun 10, 2026, 3:05 PM

You stayed right with it

Joshua Michael N.

Saint Clair Shores, MI, Jun 2, 2026, 3:11 PM

Communication was so great and fast, made this whole process so much easier and for first time homebuyers, it was a blessing to have them on our side.

Sualda L.

CLINTON TOWNSHIP, MI, May 27, 2026, 4:09 PM

Verh helpful through out the proces.

Dorian L P.

Taylor, MI, Mar 30, 2026, 2:24 AM

Everything was well explained with nice and friendly staff Monica is coming to the BBQ

Mia S.

Redford, MI, Mar 16, 2026, 2:08 PM

Dennis and Monica are best they will go above and beyond to get you what you need. They will keep you updated every step of the way. They are very humble and kind poeple willing to get you what you need when do even know you need it,very encouraging and knowledgeable about there busines. Thank you Dennis and Monica for making dreams come tru.

Charles S.

Redford, MI, Mar 15, 2026, 8:52 PM

Everything done well

Marte C.

Wyandotte, MI, Feb 7, 2026, 8:36 PM

Communication was great, accomodating with every obstacle we had.

Tia A.

Wyandotte, MI, Feb 4, 2026, 9:12 PM

Dennis and Monica are reliable and thorough. During times of emotional hardship, Dennis and Monica ensured that they could help us through the process, and they did.

Jazmine Renice M.

Warren, MI, Feb 6, 2026, 5:00 PM

The whole experience was wonderful!

Tia R J.

HARRISON TOWNSHIP, MI, Dec 3, 2025, 4:11 PM

Dennis and Monica made the process so easy and simple. Explained everything in detail, constantly gave updates and advised on what to do every step of the way. Very friendly and knowledgeable and did everything to make sure I was getting the best loan for my situation.

Dorian L P.

Taylor, MI, Mar 30, 2026, 2:24 AM

Everything was well explained with nice and friendly staff Monica is coming to the BBQ

Mia S.

Redford, MI, Mar 16, 2026, 2:08 PM

Dennis and Monica are best they will go above and beyond to get you what you need. They will keep you updated every step of the way. They are very humble and kind poeple willing to get you what you need when do even know you need it,very encouraging and knowledgeable about there busines. Thank you Dennis and Monica for making dreams come tru.

Charles S.

Redford, MI, Mar 15, 2026, 8:52 PM

Everything done well

Marte C.

Wyandotte, MI, Feb 7, 2026, 8:36 PM

Communication was great, accomodating with every obstacle we had.

Tia A.

Wyandotte, MI, Feb 4, 2026, 9:12 PM

Dennis and Monica are reliable and thorough. During times of emotional hardship, Dennis and Monica ensured that they could help us through the process, and they did.

Jazmine Renice M.

Warren, MI, Feb 6, 2026, 5:00 PM

The whole experience was wonderful!

Tia R J.

HARRISON TOWNSHIP, MI, Dec 3, 2025, 4:11 PM

Dennis and Monica made the process so easy and simple. Explained everything in detail, constantly gave updates and advised on what to do every step of the way. Very friendly and knowledgeable and did everything to make sure I was getting the best loan for my situation.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now
Dennis Bobby

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

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

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

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*

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

Proudly serving Michigan

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.