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I will work hard to help you achieve your homeownership goals.
I will work hard to help you achieve your homeownership goals.
Hello there, I'm Heather, your not-so-typical senior loan officer with Ruoff Mortgage. I've been navigating the mortgage world since 2010, and trust me, I've seen it all! From first-time buyers to seasoned homeowners, I've got you covered like a warm, cozy blanket on a chilly day. I firmly believe that anyone who works with me ends up better off. After all, who doesn't want a new home, a lower interest rate, or some extra cash from the equity in their home? If you're dreaming of a perfect home, I'm dreaming of #HappyLending.
Right now, I'm strutting my stuff in the top 15% of lenders at Ruoff Mortgage this year. Not to brag, but it's not every day you meet a numbers wizard with a sense of humor, is it? At home, my partner-in-crime is my hubby. We're the proud parents of three amazing daughters who keep us on our toes. Oh, and let's not forget our feline overlord and a four-legged goofball pittie in the mix. When I'm not crunching numbers or wrangling the family zoo, you'll find me chasing that perfect exercise high. Weightlifting is my jam, and sunshine is my secret ingredient for happiness. You could say I'm a sun-worshipping fitness enthusiast with a mortgage calculator on the side. While I might be a pro with numbers, my green thumb is a bit rusty. Gardening? Let's just say I've been in a long-term relationship with potted plants that, sadly, ended in heartbreak. Who knows, maybe one day I'll discover the secret to keeping plants alive – or maybe I'll just stick to helping you grow your equity instead.
Ready to take the next step toward your home dreams? Reach out to me, and let's make your mortgage journey as smooth as butter. I promise to bring my number-crunching expertise, a dash of humor, and a sprinkle of sunshine into the mix.
2023
2024
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.
Get your house on the market, and look for your next home!
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.
Margaret L R.Bloomington, IN, April 21st, 2025 07:45 AM
We had an outstanding experience working with Heather as our Loan Originator. Her dedication to service was exceptional; she consistently went above and beyond to ensure every detail of the loan process was handled with care and efficiency. Heather's communication skills stood out throughout our collaboration, keeping us informed every step of the way and always being available to answer questions, clarify details, or provide guidance. She excelled in handling paperwork, ensuring that every document was meticulously organized and submitted on time. Her attention to detail and proactive approach made what can be a complex and stressful process feel smooth and manageable. Heather’s professionalism, responsiveness, and commitment to excellence set a high standard in the industry. We highly recommend Heather to anyone seeking a reliable, skilled, and personable loan originator.
Ranjith E.Bedford, IN, October 28th, 2024 11:24 AM
What a pleasure to work with Heather and the entire team. Thanks for a wonderful experience!
Jesse L C.Bloomington, IN, April 19th, 2025 03:56 PM
Heather was very easy to work with and very relatable. This is the easiest house I have bough t and would recommend Heather to anyone
Tyler L.Bloomington, IN, March 31st, 2025 11:06 AM
Ruoff and Heather have always been great!
Konnor J G.Bloomington, IN, February 17th, 2025 11:17 AM
Easy and smooth, all I can ask for
Kaleb R.Springville, IN, February 9th, 2025 12:13 PM
Carly B.
February 12th, 2023 05:07 AM
Heather was very knowledgeable and answered many questions before we even knew we had them. She was extremely quick to respond with complete answers when we did have questions.
Cynthia C H.Spencer, IN, December 17th, 2024 12:46 PM
VVFVVVVery
Kristian C.Bloomington, IN, November 29th, 2024 11:15 AM
Heather was always on top of things and was kind when I would forget where we were in the process. I felt comforted during this hectic time in knowing that Heather had my back and knew exactly what she was doing. She and my real estate agent Kelly Murray are a great team!
Sheri L S.Ellettsville, IN, November 28th, 2024 01:38 PM
The process was timely and efficient. The technology was convenient and easy to use. Any questions were answered promptly and thoroughly.
Jennifer A.Solsberry, IN, November 18th, 2024 12:31 PM
Heather was Amazing.
Dean W B.Ellettsville, IN, November 4th, 2024 11:09 AM
Heather was amazing! She is very friendly, professional, and works quickly to help you complete the loan application process. I would absolutely recommend Heather to anyone!
Jocelyn T H.Columbus, IN, November 4th, 2024 11:20 AM
Great experience all around. Seamless transition to our new home
William T D.Bloomington, IN, October 31st, 2024 04:52 PM
Branches throughout
the US.
Customer Satisfaction Score.*
Days or less average
clear-to-close.**
Years of helping
homeowners like you.
Milestones updating you throughout the process.
Minutes at the closing
table on average.
*Based on
2024
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:
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**
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:
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.