When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What are the benefits of a VA loan?

A VA loan is a government-backed loan that allows eligible veterans, active-duty service members, and certain military families to purchase a home with no down payment and competitive interest rates. It’s designed to make homeownership more accessible for those who have served, and I’ll help you take full advantage of those benefits.

How can an FHA loan help me get a lower down payment?

An FHA loan allows you to purchase a home with a lower down payment while also offering more flexible credit requirements. This makes it a popular option for first-time buyers or anyone looking to get into a home sooner without needing a large upfront investment.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What are closing costs, and how much should I expect to pay?

Closing costs typically range from 2-5% of the home’s purchase price and cover fees like appraisals, title insurance, and loan processing.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

How much mortgage can I afford?

To determine how much mortgage you can afford, use the Ruoff Mortgage Affordability Calculator, which estimates your maximum home price based on income, debt, and down payment. Generally, lenders recommend keeping your total monthly housing payment (principal, interest, taxes, insurance) between 25% and 36% of your income.

What makes up my monthly mortgage payment?

Your monthly mortgage payment typically consists of PITI: Principal, Interest, Taxes, and Insurance. This combined payment often includes an escrow account to manage property taxes and homeowner's insurance, along with potential mortgage insurance, ensuring your payments are simplified and covered.

Jenny Rutledge | Mortgage Loan Officer

Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Jenny Rutledge

VP | Branch Manager

NMLS: 724686 | KY: MC937950

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

Read full bio

Apply Now Text Jenny

100%

Customer Satisfaction Score.

Awards

Years of helping homeowners like you.

Proudly serving Indiana, Kentucky

Meet our happy homeowners***

View All Testimonials

Christopher Michael L.

Crawfordsville, IN, Jun 6, 2025, 3:06 PM

5.0

Jenny was very knowledgeable and helpful.

Chad E B.

Indianapolis, IN, Jul 25, 2025, 3:12 PM

5.0

Everything

PAUL M B.

Crawfordsville, IN, Sep 28, 2026, 3:40 PM

5.0

Jenny is great to work with she explained everything and walked us through the home buying proces.

Susan M M.

Crawfordsville, IN, Aug 19, 2026, 9:57 AM

5.0

Jenny was so helpful and communicated clearly about the entire process

Ryan Stanley H.

Brazil, IN, Aug 19, 2026, 4:15 PM

5.0

Communication

Terri M.

Crawfordsville, IN, Aug 19, 2026, 5:26 PM

5.0

Jenny is so easy to work with! I was able to stop by her office without an appointment and she was happy to help me. The entire staff was super nice. Jenny is very knowledgeable!

Corey Lynee H.

Brazil, IN, Aug 17, 2026, 3:06 PM

5.0

Jenny was amazing throughout the entire buying process! She always answered all of our questions quickly and explained everything great! She made everything very easy!

Christopher Michael L.

Crawfordsville, IN, Jun 6, 2025, 3:06 PM

5.0

Jenny was very knowledgeable and helpful.

Chad E B.

Indianapolis, IN, Jul 25, 2025, 3:12 PM

5.0

Everything

PAUL M B.

Crawfordsville, IN, Sep 28, 2026, 3:40 PM

5.0

Jenny is great to work with she explained everything and walked us through the home buying proces.

Susan M M.

Crawfordsville, IN, Aug 19, 2026, 9:57 AM

5.0

Jenny was so helpful and communicated clearly about the entire process

Ryan Stanley H.

Brazil, IN, Aug 19, 2026, 4:15 PM

5.0

Communication

Terri M.

Crawfordsville, IN, Aug 19, 2026, 5:26 PM

5.0

Jenny is so easy to work with! I was able to stop by her office without an appointment and she was happy to help me. The entire staff was super nice. Jenny is very knowledgeable!

Corey Lynee H.

Brazil, IN, Aug 17, 2026, 3:06 PM

5.0

Jenny was amazing throughout the entire buying process! She always answered all of our questions quickly and explained everything great! She made everything very easy!

Courtney K.

Crawfordsville, IN, Jun 3, 2026, 3:07 PM

5.0

Jenny was very easy to work with and made the process seamless. I would recommend others to her.

Chase Joshua Levi A.

Coatesville, IN, May 20, 2026, 3:30 PM

5.0

Jenny made the entire process easy and stress free

Stacey L L.

Crawfordsville, IN, Mar 27, 2026, 6:56 PM

5.0

Jenny was so easy to work with and walked me through the process step-by-step with kindness and patience. She helped me come up with the best solution for my situation! I am thankful to have worked with her and highly recommend Ruoff!

Melissa K S.

Cayuga, IN, Dec 2, 2025, 8:17 PM

5.0

Jenny was amazing to work with, im not sure I could of gottrn thru this without her! I have already recommended her to a couple friends!

Madison Marie S.

Crawfordsville, IN, Nov 28, 2025, 6:54 PM

5.0

Jenny is so wonderful! Makes getting a mortgage for a first time homebuyer exceptionally easy! Would recommend her to anyone!

Angela F.

Crawfordsville, IN, Nov 25, 2025, 5:20 PM

5.0

As first time home owners, the process was explained very well

Tyler M G.

Crawfordsville, IN, Nov 11, 2025, 4:09 PM

5.0

When you think of purchasing a home, it can become quite overwhelming when choosing a loan company. However, Jenny made the entire experience flow with ease. I was able to sign in and check the status of my loan immediately, and if I had any questions or concerns Jenny was quick to reply. This day in age many people do not want to make there way into an office to sign papers and not once did I have to do that! Everything was able to be completed online, through text, call, or email. I highly recommend using Jenny Rutledge at Ruoff!!

Angelina Reina Rashe L.

CRAWFORDSVILLE, IN, Oct 15, 2025, 3:04 PM

5.0

Jenny was absolutely amazing! I was so eager to buy my house and she kept me informed every step of the way! Love this company!

Courtney K.

Crawfordsville, IN, Jun 3, 2026, 3:07 PM

5.0

Jenny was very easy to work with and made the process seamless. I would recommend others to her.

Chase Joshua Levi A.

Coatesville, IN, May 20, 2026, 3:30 PM

5.0

Jenny made the entire process easy and stress free

Stacey L L.

Crawfordsville, IN, Mar 27, 2026, 6:56 PM

5.0

Melissa K S.

Cayuga, IN, Dec 2, 2025, 8:17 PM

5.0

Jenny was amazing to work with, im not sure I could of gottrn thru this without her! I have already recommended her to a couple friends!

Madison Marie S.

Crawfordsville, IN, Nov 28, 2025, 6:54 PM

5.0

Jenny is so wonderful! Makes getting a mortgage for a first time homebuyer exceptionally easy! Would recommend her to anyone!

Angela F.

Crawfordsville, IN, Nov 25, 2025, 5:20 PM

5.0

As first time home owners, the process was explained very well

Tyler M G.

Crawfordsville, IN, Nov 11, 2025, 4:09 PM

5.0

Angelina Reina Rashe L.

CRAWFORDSVILLE, IN, Oct 15, 2025, 3:04 PM

5.0

Jenny was absolutely amazing! I was so eager to buy my house and she kept me informed every step of the way! Love this company!

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Property Tax

/mo.

Homeowners Insurance

/mo.

HOA Fees

/mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

Apply Now

A Bit About Me

Hello! I'm Jenny Rutledge, Vice President and Branch Manager at Ruoff Mortgage. With over 35 years in finance and nearly 20 years in mortgage lending, I help individuals and families buy their first home, build a forever home, invest in real estate, or refinance. I specialize in Conventional, FHA, VA, USDA, Jumbo, Construction, Renovation, and refinance loans. My approach is simple: listen first, educate throughout the process, and provide personalized guidance every step of the way. I enjoy building long-lasting relationships with my clients and serving my community while making homeownership personal and possible.

Awards & Achievements

Top Mortgage Lenders

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

My Latest Blogs

Clear to Close: Final Steps Before Getting Your Keys

Sep 30, 2026

You’ve answered the questions, sent the documents, and waited through underwriting. Then the message arrives: you’re clear to close. For buyers in Crawfordsville and the surrounding Montgomery County communities, those three words feel like the light at the end of a long hallway. The house is almost yours.

Underwriting: What Lenders Check Behind the Scenes for Crawfordsville Homebuyers

Sep 23, 2026

You’ve found a home you love in Crawfordsville. The offer is accepted. Congratulations—that’s a big moment. Then the waiting starts, and a lot of buyers tell me they feel like their file disappeared into a black box.

Title Insurance: Why You Need It and What It Covers for Crawfordsville Homebuyers

Sep 16, 2026

Buying a home in Crawfordsville is a big, exciting step. Between finding the right house, making an offer, and getting through inspections, there’s a lot to keep track of. One item that often flies under the radar until closing is title insurance. Understanding why you need title insurance and what it covers helps protect the investment you’re making in a Montgomery County home.

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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*

42

Years of helping homeowners like you

15 DAY

Average Clear to Close**

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.*

Meet our happy homeowners***

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Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

My Latest Blogs

Experience the Ruoff Advantage

42

15 DAY

98.5%

42

15 DAY

98.5%