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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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Your next step is to complete a full application.

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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Ellen Vance
Picture of Ellen Vance

Hi, I'm Ellen!

Senior Loan Officer

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

98.46% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Ellen!

Senior Loan Officer

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

98.46% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I’m proud of my ability to meet my clients where they are in their life, counsel them when wanted/needed, and help them get where they want to go. I love playing a key role in helping people through the excitement of becoming home owners, as well as assisting my refinance customers by making it possible to make their current home work for them.

“Wake up every day and do the right thing, so when you end your day, you can go to bed happy” is a philosophy I live by. I am driven, compassionate, hardworking, and honest. I have been married to my husband for 4 years, I have 3 sons and 1 boxer J. When I am not working (which isn’t often) I am in the stands at a basketball or baseball game…or chasing my toddler around which is way more exhausting now than it was when my teenagers were little!

I was born and raised in Fort Wayne, then moved away after high school as a military spouse, where we spent time stationed in Germany, Georgia and Hawaii before I moved back home. These life experiences have made helping other military families secure the benefits of a VA loan a passion of mine. I truly love coming full circle to help those who have served become home owners.

I get very connected to my borrowers so that I really have a feel for what is most important to them. My borrowers become my friends/family. I like to do the bulk of the work on the front end of the home finance process so that there is as smooth, stress-free process moving forward. I have been originating mortgages for 6 years. For two of those years I was the senior Loan Officer at a local credit union where I trained all of the incoming LO’s. I worked in a high volume time and was accustomed to doing 10-15 loans per month on average. Being that busy helped me learn the loan process inside and out, as well as learn what products are best for a variety of situations and needs.

I am a very direct person—beating around the bush is not for me, so you can be sure that I’ll be upfront when helping you come up with the plan that’s best for you. The mortgage process does not have to be stressful—it can actually be a little fun, so I should probably mention that sarcasm is my love language. I look forward to helping you reach your dreams of homeownership!

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President's Club Member

President's club seal 2020
President's club seal 2021
President's club seal 2022

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*

  • Ellen Vance and team did an exceptional job throughout the entire process of getting my mortgage set up. Ellen was always there whenever I needed to ask her all of my newbie questions (this was my first mortgage) and she answered them in ways that I would understand. She never talked over my head and always explained things in a way someone new to this process could understand. I truly appreciate everything her and her team has done for me in making the purchase of my first home as painless as possible. Down the road when I'm ready to make my next purchase, I will definitely be going straight to Ellen for help!

    Shaun S, happy client
  • Online portal was very easy to navigate, communication was enough but not too much, closing was scheduled in a timely fashion and everything went smoothly!

    Alison A, happy client
  • As a first time homebuyer, I had no clue what I was doing but thankfully I worked from the beginning to end with Ellen Vance. She went above and beyond for me. Ellen was able to answer every question or concern I had, she was even available via text and on weekends. She made the entire process so easy and comfortable! Ellen was very professional and you could just tell she loved her job and being there for me. Thank you, Ellen!

    Elaine H, happy client
  • This process was very simple and the online application was very user-friendly. Ellen Vance was attentive and clear in her processes as well. We will recommend her and this company to anyone.

    Jerome R, happy client
  • Ellen was excellent! She answered any question with haste, and professionalism. When there was any issues towards the process, she had a informative response on how to it needed to be handled.

    Jennifer N, happy client
  • We have to admit, this was the easiest home purchasing experience we ever had.

    Linda S, happy client
  • Ellen's communication throughout the process was amazing. She did a great job of answering all our questions, even when we were asking over the weekends!

    Benjamin G, happy client
  • Ellen was top notch to work with. She definitely had our best interest in mind at all times.

    Ronald F, happy client
  • Ellen is wonderful to work. She kept me well I firmed, guided me through the process and helped complete it quickly. She is the best!!

    Gennifer R, happy client
  • Ellen is a Rock star- in the last 18months we refinanced. Then decided to sell and bought two more homes. Wouldn’t trust anyone but Ellen referred her to friends frequently.

    Deirdra W, happy client
  • Ellen was great from the first phone call. A quick introduction and then a "let's get to work" effort by her and the team were a great way to welcome us back to FtW. No sense in beating around the bush, I felt welcomed and knew that working with a local lender was the ticket for our success here. Many thanks to you and the entire team who helped close the loan.

    Jeremey K, 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.

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I would love to hear from you!

Call me at 260.760.6476 or message me below!

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