I will work hard to help you achieve your homeownership goals.
98.88%Customer Satisfaction Rating
Hi, I'm
Fern!
Senior Loan Officer
I will work hard to help you achieve your homeownership goals.
98.88%Customer Satisfaction Rating
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.
From finding your perfect home to moving in, we've got you covered.
Refinance
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*
Review 1
5.0
Our situation was unique and Kelly and Fern were so patient and understanding. They were great to work with!
Holly M B.
Cassopolis, MI, August 3rd, 2024 11:17 AM
Review 2
5.0
She was very patient, polite and understanding.
Niki H.
Benton Harbor, MI, July 26th, 2024 10:23 AM
Review 3
5.0
Fern is so wonderful I just loved working with her. Highly recommend!
Jennifer B.
Buchanan, MI, August 1st, 2024 11:04 AM
Review 4
5.0
The Loan officers great attitude and positive reinforcement even when things looked questionable. I am a happy new home owner
Jason Allen P.
Niles, MI, September 12th, 2024 11:05 AM
Review 5
5.0
Very knowledgeable and very quick with responses and updates on the process. Also very friendly to work with.
Robert A.
Niles, MI, May 13th, 2024 11:03 AM
Review 6
5.0
Everything was absolutely fantastic, even when there were bumps in the road. Fern helped us keep moving and get this done.
Sara E S.
Saint Joseph, MI, November 25th, 2023 11:05 AM
Review 7
5.0
Fern was a delight to work with! She was always quick to answer any of my questions during the process of buying my first home. She went above and beyond explaining the process of every step and what to expect. She took her work to the next level and worked after hours keeping in touch with where the process was and what to expect for the following day!
Grace D.
Niles, MI, June 30th, 2023 09:00 PM
Review 8
5.0
We had a very easy loan and closing process.
Rick A S.
Niles, MI, July 2nd, 2024 12:26 PM
Review 9
5.0
Kelly and Fern are excellent!! We felt very confident in their skills and knowledge. They made the whole process smooth and worry free. They were very quick to respond to any questions. This whole process was simple because of them. We plan on working with them in the future and will be recommending them to everyone.
Janelle M S.
Berrien Springs, MI, October 28th, 2023 09:07 PM
Review 10
5.0
Finding a home has been an extremely frustrating five year journey that seemed like would never end. We closed almost immediately after switching to you guys.
*Based on 2023 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.
**
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.
Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit:
http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.
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