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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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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Heather Bozarth
Picture of Heather Bozarth

Hi, I'm Heather!

Senior Loan Officer

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

98.60% Customer Satisfaction Rating

Hi, I'm Heather!

Senior Loan Officer

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

98.60% Customer Satisfaction Rating

Let me help you get pre-approved today!

With over a decade in the finance industry, I have fallen in love with helping fellow Hoosiers finance their homes. Over the years, I helped people buy both starter homes and dream homes, vacation homes on the beach, and investment properties downtown. Having a passion for new homes, I also find myself financing new builds quite often. Ultimately, my goal is simply provide #happylending to all my clients.

Originally from West Virginia, I’ve called Bloomington home for over 15 years. However, I often wonder when I can actually say that I’m from here…because everyone I meet has lived here so much longer than that! My husband, Matt, owns a business on the west side of town. Together, we have three amazing daughters, a nervous dog, and a tolerant cat. I am a member of Bloomington Rotary and enjoy training for a triathlon that I might never participate in.

Ruoff embraces both technology and customer service, and I couldn’t be happier to be part of the Ruoff family. You see, being at the forefront of technology with lending isn’t just exciting; it allows me to provide a streamlined and seamless process for all my clients because buying a home is complicated enough. The last thing you need is stress over a mortgage.

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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

  • Heather was a literal dream to work with and I could not have asked for a better person to navigate me through this process. As a first time home buyer, I had a ton of questions and she was super responsive, patient and helpful the whole time. She explained things to me in a way that made sense and made me feel very comfortable. I also applied for a loan through a local credit union at the same time I applied through Ruoff and the difference between Heather and the other loan officer was one of the main reasons I agreed to go with Ruoff instead. I never felt judged and I was treated as a customer and valued client instead of someone who had to explain why they deserved a loan, which was the experience I had with the credit union. Heather answered my calls quickly even with my odd work schedule and strange hours and she was funny and kind and made the process feel less daunting. She also worked super quickly and her associate Meghan was very easy to work with as well. She worked with me to figure out the best interest rate I could afford and I genuinely felt she and her team were on my side in this process. She and my real estate agent were such a rockstar team and if I ever have to buy another house, I know where I’m going!

    Sevanna S, happy client
  • This was my wife and I’s first time ever going through the home buying process. At first, we were nervous/scared but at no point did Heather or any other Ruoff member leave us in the dark. Everything was always explained in ways for us to understand and at no point in time did we have to wait for a response to our questions. We highly recommend and we can not thank Heather and the other Ruoff members enough!

    Bret M, happy client
  • Heather was extremely responsive and supportive of my needs as a customer.

    Andy Bosk, happy client
  • The lines of communication were excellent. Quick responses to questions, very timely correspondence, very organized.

    Paul W, happy client
  • From the beginning my loan officer Heather was very helpful and quick to respond to all of my questions. As a first time home buyer she made my experience very pleasant and took the time to explain all of the documents. I wouldn't change a thing!

    Linda V, happy client
  • Communication was great and personable! Heather was incredible to work with.

    Breanne B, happy client
  • We had the most positive experience we’ve ever had with the whole loan process! The team made this seamless and the most efficient closing ever! From the beginning to close! Ruoff rocks!

    Douglas U, happy client
  • Heather was very prompt in answering questions As an out-of-state buyer, this type of response provided a level of comfort in the process not so easily found today.

    Ben J, happy client
  • Utilizing Heather as our loan officer was one of the best decisions my husband and I made during our home buying process. Although we were not first time home buyers, we still had many questions and needed to talk through many scenarios. Heather was there for us every step of the way and always made me feel comfortable and confident in the decisions we were making. She never hesitated when I needed something repeated or broken down better so I could understand. Heather is professional, caring, and most definitely experienced. Home buying can be stressful, but with Heather as our loan officer, the experience was much more enjoyable. We truly appreciate Heather's hard work, and it means a lot to know we can always depend and trust in her. I know that we will always go to Heather with any future home buying or refinancing in the future.

    Brookelyn W, happy client
  • My loan officer Ms. Heather Bozarth was exceptional. She always tried to do the best for me as a client and communicated any changes/issues right away. She responded to texts/emails immediately even if it's off-hours or weekends and alleviated any concerns. Thank you, Heather!

    Vani K, happy client
  • Heather was amazing. She was quick to answer or return my call. We hadn’t moved in 30 years and she walked us through the entire process.

    Lori G, happy client
  • Heather was amazing! This was our first home buying experience my anxiety was through the roof and I could call her or Brittany at any time and they were there to give me peace of mind. Truly wonderful women!

    Koleman G, happy client
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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.

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I would love to hear from you!

Call me at 812.361.6667 or message me below!

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