Ruoff Mortgage
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Jeff Lichtenstein

Senior Loan Officer

NMLS: 235950 | OH: MLO.036456.000

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Jeff

97.64%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerRuoff Experience Award Winner

Awards

Proudly serving Ohio

Meet our happy homeowners***

View All Testimonials

Angel D C.

Columbus, OH, Oct 10, 2023, 3:43 PM

Great communication and updates. Jeff is very helpful and easy to work with

Beverly A J.

Bellefontaine, OH, Oct 19, 2023, 4:06 PM

Everything went as promised

Roseandier L W.

Columbus, OH, Nov 4, 2023, 5:57 PM

Jeff was friendly and knowledgeable

Kyle David N.

Baltimore, OH, Jul 18, 2026, 3:05 PM

Everyone involved was professional and answered our questions/concerns in a timely manner. This made the whole process quick, easy, and comfortable to manage .

Traci Celeste T.

Blacklick, OH, Mar 27, 2026, 3:14 PM

The whole experience with Jeff and his team at Ruoff Mortgage was wonderful from start to finish! We couldn't have asked for a better team supporting us throughout the home buying process! Thank you so very much!

Clayton P P.

Columbus, OH, Mar 16, 2026, 11:34 AM

We have been waiting for our refinance to align to a specific target fo a long while. Jeff was very patient with us, discussing several times and helping us evaluate when the right time would be.

Andrew Charles T.

Blacklick, OH, Mar 23, 2026, 4:54 PM

Jeff showed his experience and expertise when he solved a frustrating problem with the VA with speed and professionalism. We were in great hands throughout the entire process and it was both surprisingly smooth and painless. Debbie was also speedy, helpful, and kind. Top notch over all!

Barry K W.

Lancaster, OH, Mar 4, 2026, 9:03 PM

Jeff was very responsive and questions I had he explained clearly and concisely

Angel D C.

Columbus, OH, Oct 10, 2023, 3:43 PM

Great communication and updates. Jeff is very helpful and easy to work with

Beverly A J.

Bellefontaine, OH, Oct 19, 2023, 4:06 PM

Everything went as promised

Roseandier L W.

Columbus, OH, Nov 4, 2023, 5:57 PM

Jeff was friendly and knowledgeable

Kyle David N.

Baltimore, OH, Jul 18, 2026, 3:05 PM

Everyone involved was professional and answered our questions/concerns in a timely manner. This made the whole process quick, easy, and comfortable to manage .

Traci Celeste T.

Blacklick, OH, Mar 27, 2026, 3:14 PM

The whole experience with Jeff and his team at Ruoff Mortgage was wonderful from start to finish! We couldn't have asked for a better team supporting us throughout the home buying process! Thank you so very much!

Clayton P P.

Columbus, OH, Mar 16, 2026, 11:34 AM

We have been waiting for our refinance to align to a specific target fo a long while. Jeff was very patient with us, discussing several times and helping us evaluate when the right time would be.

Andrew Charles T.

Blacklick, OH, Mar 23, 2026, 4:54 PM

Jeff showed his experience and expertise when he solved a frustrating problem with the VA with speed and professionalism. We were in great hands throughout the entire process and it was both surprisingly smooth and painless. Debbie was also speedy, helpful, and kind. Top notch over all!

Barry K W.

Lancaster, OH, Mar 4, 2026, 9:03 PM

Jeff was very responsive and questions I had he explained clearly and concisely

Stephen Richard M.

Galloway, OH, Mar 2, 2026, 4:51 PM

From the outset, expectations were clearly established. We consistently understood the next steps, required documentation, and anticipated timelines. At no point did we feel uncertain or uninformed. Jeff did not simply respond to questions; he anticipated them. That proactive approach significantly reduced stress and created confidence throughout the process. Transparency was another defining strength. Every financial detail was explained thoroughly, and each available option was presented with context and strategic guidance. We were empowered to make informed decisions because the information was communicated clearly and comprehensively. Equally important was the precision of execution. Milestones were met on schedule, communication remained consistent, and the overall process was structured and well managed from application through closing. There were no unexpected obstacles or last minute complications, only steady and professional leadership. The combination of expertise, responsiveness, transparency, and genuine commitment to client success is what elevated this experience to an exceptional standard.

Mary W.

North Lewisburg, OH, Feb 7, 2026, 5:58 PM

This whole process was in the middle of a difficult time for me. They made this process easy and I felt completely confident in the process. would recommend and use them again. thank tou you so much

Russell L C.

Dresden, OH, Feb 17, 2026, 4:27 PM

Jeff, Debbie and everyone else involved was very helpful in this process

Edmund C.

Columbus, OH, Feb 6, 2026, 4:44 PM

The process was easy and understandable.

Christine H D.

Grove City, OH, Nov 24, 2025, 1:16 PM

Communication about my loan was excellent

Sue A E.

Columbus, OH, Nov 2, 2025, 12:17 AM

Communication with you and Debbie was outstanding. I knew any questions I might have about my loan would be handled promptly.

Scott S.

Columbus, OH, Nov 3, 2025, 4:13 PM

Jeff and Debbie were f wondwrful

Ravin F.

Westerville, OH, Sep 20, 2025, 4:49 PM

Everything about my experience was excellent.

Stephen Richard M.

Galloway, OH, Mar 2, 2026, 4:51 PM

From the outset, expectations were clearly established. We consistently understood the next steps, required documentation, and anticipated timelines. At no point did we feel uncertain or uninformed. Jeff did not simply respond to questions; he anticipated them. That proactive approach significantly reduced stress and created confidence throughout the process. Transparency was another defining strength. Every financial detail was explained thoroughly, and each available option was presented with context and strategic guidance. We were empowered to make informed decisions because the information was communicated clearly and comprehensively. Equally important was the precision of execution. Milestones were met on schedule, communication remained consistent, and the overall process was structured and well managed from application through closing. There were no unexpected obstacles or last minute complications, only steady and professional leadership. The combination of expertise, responsiveness, transparency, and genuine commitment to client success is what elevated this experience to an exceptional standard.

Mary W.

North Lewisburg, OH, Feb 7, 2026, 5:58 PM

This whole process was in the middle of a difficult time for me. They made this process easy and I felt completely confident in the process. would recommend and use them again. thank tou you so much

Russell L C.

Dresden, OH, Feb 17, 2026, 4:27 PM

Jeff, Debbie and everyone else involved was very helpful in this process

Edmund C.

Columbus, OH, Feb 6, 2026, 4:44 PM

The process was easy and understandable.

Christine H D.

Grove City, OH, Nov 24, 2025, 1:16 PM

Communication about my loan was excellent

Sue A E.

Columbus, OH, Nov 2, 2025, 12:17 AM

Communication with you and Debbie was outstanding. I knew any questions I might have about my loan would be handled promptly.

Scott S.

Columbus, OH, Nov 3, 2025, 4:13 PM

Jeff and Debbie were f wondwrful

Ravin F.

Westerville, OH, Sep 20, 2025, 4:49 PM

Everything about my experience was excellent.

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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Jeff Lichtenstein

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

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.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

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 Ohio

Jeff Lichtenstein

Senior Loan Officer

NMLS: 235950

OH: MLO.036456.000

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

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

Fair Housing Logo White

******††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.