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Picture of Emily Hughes
Picture of Emily Hughes

Hi, I'm Emily!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Emily!

Senior Loan Officer

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

99.00% 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.
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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*

  • We started the journey with Emily back in July 2021 in the process to buy our second mortgage. There has been multiple challenges that came our way until we finally could close on a house in April , 2022. All throughout Emily has been patient and been with us and guiding us through the thick and thins to a point where we almost built a personal relationship with a Loan Officer over the phone. She is extremely knowledgeable and resourceful and great at her job. She will go out of her way to be helpful and provide us with the best of information. Another thing about Emily is her availability.. she is available all the time, even when she is gone skiing up in the mountains, which I advised that she should stop doing :D I would highly recommend Emily Hughes to anyone with any kind of Mortgage Loan related services.

    Prabuddha K, happy client
  • I worked with Emily, she was very patient in explaining every detail of the loan to me, she was also quick and very efficient in getting it done. She would always answer the phone and give me updates of the process. Working with Emily was great because she always had a great attitude So big thanks to Emily for making this process easy and fast!

    Jose S, happy client
  • Best service, professionalism and customer commitment! Emily Hughes made the process of buying a house easier than what we could have ever imagine. She help us every step of way, answer all of our questions over and over, and went above and beyond to help us buy our house. I would highly recommend giving them a call if you plan to buy within the next few months, they will set up for success once you have find your home.

    Frances L, happy client
  • My wife and I had the pleasure of working with Emily. She helped us end to end with our first home purchase. The experience was unbelievably smooth. Emily made it her mission to reach out whenever needed and did everything in her power to make sure we got the property we desired. I would definitely work with her again and highly recommend her and her team. Bravo Emily. If I could offer 10 Stars I would!!!!!!

    Chris B, happy client
  • Emily was extremely easy to work with and she 100% cares for her clients. She kept us in the loop every step of the way and continued to check in not leaving us hanging even when she was getting married we still felt like her number one priority. Fast response time and extremely caring with her work and others.

    Andrew F, happy client
  • Emily has been such a great help with purchasing our second home. Emily would always take out calls, day or night, and answer any questions we had. I would recommend Emily to anyone looking to purchase a new home.

    Nichole K, happy client
  • Emily is very dedicated to her clients, she was always available and answered my calls immediately. On a personal note, she is professional, and friendly. I think very highly of her!

    Paula V, happy client
  • Emily made our buying experience great and I would highly recommend to my family and friends for future purchases. She was very detailed and honest throughout the whole process. We were able to close on time!

    Gerardo R, happy client
  • As first-time homebuyers, my wife and I were petrified of this process and had approximately 10,000 questions. Emily Hughes answered (and continues to answer) every question we have had, and then some, with grace and humor. Her knowledge of everything mortgage related has made this a nearly effortless situation for us.

    D. Gale, happy client
  • She worked really hard and wouldn’t give up. She kept me well informed and updated with the whole process. Made sure I was educated in the things I was completely new in. Overall very courteous and extremely friendly. Very nice to work with.

    Danny D, happy client
  • I Had an amazing experience with Emily. I am a first time home buyer who knows nothing. She pointed me in all the right places to get answers and got my loan done in 4 DAYS.

    Eric T, 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 614.361.2420 or message me below!

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