Ruoff Mortgage
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Heather Bozarth

Senior Loan Officer

NMLS: 427579

Helping homebuyers move faster with clear guidance, smart options, and a simpler path to closing.

Read full bio
Heather

97.43%

Customer Satisfaction Score.

Scotsman GuidePresident's Club

Awards

9

Years of helping homeowners like you.

Proudly serving Florida, Indiana, Tennessee

Meet our happy homeowners***

View All Testimonials

Jadrienne K F.

Bloomington, IN, Mar 25, 2026, 1:23 PM

As first time home buyers, we were very nervous and didn't know anything about the process. We are so thankful to our loan officer, Heather, for all the effort she put in to making this experience smooth and stress-free! Heather is an excellent communicator and never left us wondering what was going on or what the next steps were. We are incredibly happy with our very first home!

Gail G H.

Bloomington, IN, Jun 3, 2025, 3:17 PM

Heather was fantastic! My situation was unusual and Heather worked hard to get everything in place for my closing. She always kept me informed and always took time to explain things to me when I had questions.

Margaret L R.

Bloomington, IN, Apr 21, 2025, 11:45 AM

Heather remembered us from working with us on our first home four years ago, and has always impressed us with her professionalism and lightning fast response time. She and Ruoff work seamlessly with our realtor at 21 Century Sheetz. The communication at every step was really valuable.

George S K.

BLOOMINGTON, IN, Aug 5, 2026, 3:29 PM

Heather helped us every step of the way and made the whole process easy and stress free. She graciously also helped us out with another transaction which made things so much easier. We are very grateful to Heather for her professionalism and courtesy. It was a pleasure working with her.

Robert W B.

Bedford, IN, Jul 31, 2026, 11:21 PM

kept us informed during the whole process. She was very easy to work with and very helpful!

Amanda Elyse H.

Bloomington, IN, Jul 14, 2026, 3:04 PM

Heather was extremely easy and pleasant to work with - very transparent and communicative our entire process.

Kellie Kristine G.

Bloomington, IN, Jul 5, 2026, 2:19 AM

⭐️⭐️⭐️⭐️⭐️

Lesley G S.

Bloomington, IN, Jun 10, 2026, 6:56 AM

Professionail, Prompt, Informative and Kind!

Jadrienne K F.

Bloomington, IN, Mar 25, 2026, 1:23 PM

As first time home buyers, we were very nervous and didn't know anything about the process. We are so thankful to our loan officer, Heather, for all the effort she put in to making this experience smooth and stress-free! Heather is an excellent communicator and never left us wondering what was going on or what the next steps were. We are incredibly happy with our very first home!

Gail G H.

Bloomington, IN, Jun 3, 2025, 3:17 PM

Heather was fantastic! My situation was unusual and Heather worked hard to get everything in place for my closing. She always kept me informed and always took time to explain things to me when I had questions.

Margaret L R.

Bloomington, IN, Apr 21, 2025, 11:45 AM

Heather remembered us from working with us on our first home four years ago, and has always impressed us with her professionalism and lightning fast response time. She and Ruoff work seamlessly with our realtor at 21 Century Sheetz. The communication at every step was really valuable.

George S K.

BLOOMINGTON, IN, Aug 5, 2026, 3:29 PM

Heather helped us every step of the way and made the whole process easy and stress free. She graciously also helped us out with another transaction which made things so much easier. We are very grateful to Heather for her professionalism and courtesy. It was a pleasure working with her.

Robert W B.

Bedford, IN, Jul 31, 2026, 11:21 PM

kept us informed during the whole process. She was very easy to work with and very helpful!

Amanda Elyse H.

Bloomington, IN, Jul 14, 2026, 3:04 PM

Heather was extremely easy and pleasant to work with - very transparent and communicative our entire process.

Kellie Kristine G.

Bloomington, IN, Jul 5, 2026, 2:19 AM

⭐️⭐️⭐️⭐️⭐️

Lesley G S.

Bloomington, IN, Jun 10, 2026, 6:56 AM

Professionail, Prompt, Informative and Kind!

Connie Nell B.

Ellettsville, IN, Jun 9, 2026, 3:08 PM

Heather consistently went above and beyond to make sure my mortgage process went smoothly and quickly. I appreciated her meticulous attention to detail, and her ability to put me at ease during the stress of obtaining a mortgage. She is the absolute best!

Nicole Denice S.

Bloomington, IN, May 28, 2026, 4:45 PM

Heather was absolutely wonderful throughout my mortgage process. What initially felt overwhelming and anxiety-inducing became so much more manageable because of her calm presence, confidence, and guidance every step of the way. She took the time to answer my questions, explain things clearly, and made me feel supported throughout the entire experience. Heather has a way of bringing ease to a process that can feel very stressful, and I’m so grateful for her professionalism, kindness, and reassurance. I truly couldn’t have asked for a better loan officer and would highly recommend her to anyone going through the home-buying process.

Neil R C.

Martinsville, IN, May 27, 2026, 3:52 PM

Communication was great and everything was very clear. they got everything done very fast and was very smooth process. Very informative and helped through multiple offers we put in.

Mark William K.

Bloomington, IN, May 18, 2026, 4:49 PM

Kept us on schedule!

Irene Helen K.

Bloomington, IN, May 17, 2026, 7:14 PM

Upon meeting Heather, we felt we had known her for a long time. She was patient with us and explained if we were a little "lost". I would highly recommend Heather!

Christopher L M.

Bloomington, IN, May 10, 2026, 9:05 PM

Heather was very responsive and helped me accomplish my goal to finance my new home.

Daniel G L.

Unionville, IN, May 7, 2026, 5:00 PM

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Joshua M.

Bloomington, IN, Apr 8, 2026, 3:36 PM

Heather was amazing and was able to do everything she promised. She was timely, communicative, courteous, and allowed us to close quickly and efficiently.

Connie Nell B.

Ellettsville, IN, Jun 9, 2026, 3:08 PM

Heather consistently went above and beyond to make sure my mortgage process went smoothly and quickly. I appreciated her meticulous attention to detail, and her ability to put me at ease during the stress of obtaining a mortgage. She is the absolute best!

Nicole Denice S.

Bloomington, IN, May 28, 2026, 4:45 PM

Heather was absolutely wonderful throughout my mortgage process. What initially felt overwhelming and anxiety-inducing became so much more manageable because of her calm presence, confidence, and guidance every step of the way. She took the time to answer my questions, explain things clearly, and made me feel supported throughout the entire experience. Heather has a way of bringing ease to a process that can feel very stressful, and I’m so grateful for her professionalism, kindness, and reassurance. I truly couldn’t have asked for a better loan officer and would highly recommend her to anyone going through the home-buying process.

Neil R C.

Martinsville, IN, May 27, 2026, 3:52 PM

Communication was great and everything was very clear. they got everything done very fast and was very smooth process. Very informative and helped through multiple offers we put in.

Mark William K.

Bloomington, IN, May 18, 2026, 4:49 PM

Kept us on schedule!

Irene Helen K.

Bloomington, IN, May 17, 2026, 7:14 PM

Upon meeting Heather, we felt we had known her for a long time. She was patient with us and explained if we were a little "lost". I would highly recommend Heather!

Christopher L M.

Bloomington, IN, May 10, 2026, 9:05 PM

Heather was very responsive and helped me accomplish my goal to finance my new home.

Daniel G L.

Unionville, IN, May 7, 2026, 5:00 PM

Bf try I J ftuu

Joshua M.

Bloomington, IN, Apr 8, 2026, 3:36 PM

Heather was amazing and was able to do everything she promised. She was timely, communicative, courteous, and allowed us to close quickly and efficiently.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Loans Designed to Meet Your Individual Needs

Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.

Man and Woman laughing and smiling as being handed keys to their new home.
Heather Bozarth

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

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

President's Club

3x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Florida, Indiana, Tennessee

My Operating Hours

Available 24/7

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

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******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.