
Heather Bozarth
Senior Loan Officer
NMLS: 427579
Helping homebuyers move faster with clear guidance, smart options, and a simpler path to closing.
Read full bio97.43%
Customer Satisfaction Score.


Awards
9
Years of helping homeowners like you.
Proudly serving Florida, Indiana, Tennessee
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Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.


A Bit About Me
Heather Bozarth is a Senior Mortgage Loan Officer at Ruoff Mortgage, serving clients in Indiana, Tennessee, and Florida. With over 16 years of finance experience, she prioritizes elite execution and client-first accessibility, rejecting 9-to-5 constraints to be available when real estate happens. A consistent industry leader and President’s Club member, Heather averages just 14 days to close. She is a dedicated advocate for housing policy as a board member for the Indiana Mortgage Bankers Association and Co-Chair of the IURA Government Affairs Committee. Whether you are a first-time buyer or an experienced investor, Heather delivers unparalleled local market insight and seamless financing solutions. #HappyLending
Awards & Achievements

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

President's Club
3x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
My Latest Blogs
Common Credit Errors Preventing Your Approval
Jul 23, 2026
Common Credit Report Errors That Block Approvals in Bloomington, Indiana
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Do You Really Need a Buyer's Agent? (Spoiler... yes you do)
Jul 9, 2026
Why a Buyer Realtor Makes All the Difference When Buying a Home in Bloomington
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How Taylor Swift's Wedding Will Shake Up Home Buying
Jul 1, 2026
Listen, I’ve been a Senior Mortgage Loan Officer for 16 years. I’ve seen recessions, I’ve seen booms, and I’ve seen people try to use magic crystals to time the market. But nothing—and I mean nothing—has prepared the financial world for the sheer, unadulterated economic power of the Great Taylor Swift Wedding of July 4th.
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At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*



