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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.

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reaching out!
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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Gene Cooney
Picture of Gene Cooney

Hi, I'm Gene!

Senior Loan Officer

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

98.00% Customer Satisfaction Rating

Hi, I'm Gene!

Senior Loan Officer

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

98.00% 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.
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

  • The communication was awesome. I felt like I could ask Gene any questions, no matter how silly they may have sounded, and he answered in a professional manner. He was very knowledgeable about the process. He was quick to respond and I felt like I knew exactly what was going on throughout the whole process. I could not be happier with my experience! Gene has helped myself, and two of my siblings receive loans on our homes, and I would refer him and Ruoff to any friends or family I know, without hesitation!

    Katrina E, happy client
  • I had been warned by many people how daunting and stressful the home buying process would be, however it really was not at all!! Gene made things very easy and relaxed!! He took care of everything! I just provided the requested information and he did all the work!! It was the best experience I could have hoped for!!

    Amanda J, happy client
  • Very organized, prompt, knowledgeable, and helpful. Gene is Fantastic, as a professional and person! Triple A+. I am a retired Public School Superintendent. Gene earned this rating!!!

    Patrick L, happy client
  • Gene was clear and concise on letting us know what documents were needed and keeping us up to date on timelines. We were first-time buyers and he really helped us out. Another bank did not provide us with an opportunity to get approved through them, but Gene was confident he could help us and got us preapproved and got us a letter minutes later that allowed us to put an offer on our dream home that we recently closed on. He was great!

    Adrienne M, happy client
  • Gene took the time to explain things to me. His passion and enthusiasm were infectious. He made this process enjoyable and helped us achieve our goal of homeownership.

    Amanda M, happy client
  • Communication was just absolutely incredible and the amount of time and effort put forth in helping me get the loan I needed and in the time I needed. I have never worked with such incredible people who genuinely cared as much as Gene and Lori did in purchasing my very first home. They both went above and beyond what was needed and I will forever be grateful.

    Beth D, happy client
  • When I started this home buying process, I had no idea about how any of it worked. I was pretty clueless. Gene helped me understand everything and always gave me really good insight and information.

    Richard M, happy client
  • Gene was able to create a plan for us financially that allowed us the ability to purchase our home. No other bank/lender was able to do that for us. And he did it in such a timely manner. Very impressed with his knowledge and professionalism.

    Allyson M, happy client
  • Everything was done in an awesome manner. Gene was very helpful in everything. And answered our questions very quickly. Loved working with Gene. Would like to thank you all for such a great experience.

    Douglas G, happy client
  • Gene was quick to pick up the phone and explain anything that might have been confusing before I even had the chance to be confused. He was really on top of things!

    Valerie S, happy client
  • Gene was awesome! He pushed and made amazing things happen to get the closing completed on time. He went so far above and beyond. Gene is truly an asset to the Ruoff Team. Impressed is an understatement.

    Jennifer M, happy client
  • Gene worked his tail off for me. I felt he went above and beyond what he needed. I appreciated his work ethic so very much.

    Lynn M, happy client

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 (812) 593-1693 or message me below!

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