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Jim Luana

Senior Loan Officer

NMLS: 2403351 | OH: MLO-OH.2403351

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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Jim

99.37%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana, Michigan, Ohio

Meet our happy homeowners***

View All Testimonials

Paige K K.

Celina, OH, Jul 29, 2026, 5:09 PM

Helped get the loan I needed, super friendly, great service.

Bronson Lee B.

DELAWARE, OH, Jul 27, 2026, 6:02 PM

Jim and his assistant, Aubrey, demonstrated excellent communication and kept us informed throughout the entire process, which greatly eased the stress that comes with buying a home. We truly appreciated their professionalism, responsiveness, and dedication every step of the way. We couldn’t be more grateful for everything Jim and Aubrey did to help us through the homebuying process.

Kiarra K.

Sidney, OH, Jun 29, 2026, 9:07 PM

Jim was very easy to work with ,and he did a great job explaining everything we did not understand and answering our questions. We will definitely recommend him to friends and family, and we plan to use him for any future moves.

Amber J.

Wapakoneta, OH, Feb 25, 2026, 1:14 PM

James did a great job at explaining things, checking our options, and reviewing our information. He was friendly and personable and very easy to work with. he went above and beyond to answer questions even after hours. Thank you Jim!

Isaiah J.

Lima, OH, Feb 17, 2026, 12:56 PM

The communication was very clear and smooth. I was very pleased with the way Jim steered my wife and I in the right direction even when things were tough to figure out. Thank you guys again for all of your effort into getting us a home both her and I love.

Carter P.

New Knoxville, OH, Dec 28, 2025, 10:39 AM

James was there every step of the way through the house buying process taking calls latter then office hours and answerd all the questions I had

Paige K K.

Celina, OH, Jul 29, 2026, 5:09 PM

Helped get the loan I needed, super friendly, great service.

Bronson Lee B.

DELAWARE, OH, Jul 27, 2026, 6:02 PM

Jim and his assistant, Aubrey, demonstrated excellent communication and kept us informed throughout the entire process, which greatly eased the stress that comes with buying a home. We truly appreciated their professionalism, responsiveness, and dedication every step of the way. We couldn’t be more grateful for everything Jim and Aubrey did to help us through the homebuying process.

Kiarra K.

Sidney, OH, Jun 29, 2026, 9:07 PM

Jim was very easy to work with ,and he did a great job explaining everything we did not understand and answering our questions. We will definitely recommend him to friends and family, and we plan to use him for any future moves.

Amber J.

Wapakoneta, OH, Feb 25, 2026, 1:14 PM

James did a great job at explaining things, checking our options, and reviewing our information. He was friendly and personable and very easy to work with. he went above and beyond to answer questions even after hours. Thank you Jim!

Isaiah J.

Lima, OH, Feb 17, 2026, 12:56 PM

The communication was very clear and smooth. I was very pleased with the way Jim steered my wife and I in the right direction even when things were tough to figure out. Thank you guys again for all of your effort into getting us a home both her and I love.

Carter P.

New Knoxville, OH, Dec 28, 2025, 10:39 AM

James was there every step of the way through the house buying process taking calls latter then office hours and answerd all the questions I had

Noah H.

Sidney, OH, Nov 20, 2025, 7:57 PM

James was awesome through the entire Process especially as being a first time home buyer, he throughly explained everything i had questions about and was by my side through the entire process. I would recommend anybody looking at buying a house to get ahold of james and allow Him to guide you through The process as he did me he made things very simple and effortless through the entire process . Im very thankfull that i was recommended to reach out to James and i hope many more first time homebuyers do also . I will definitely be working with James on my future real estate needs .

Courtney P.

Saint Marys, OH, Nov 5, 2025, 1:42 PM

GREAT communication - GREAT explanation on all of my questions - OVERALL AMAZING EXPERIENCE with Jim!

Matthew C.

Sidney, OH, Oct 15, 2025, 12:02 PM

Easy and responsive

Lisa M.

Port Jefferson, OH, Sep 27, 2025, 11:08 AM

Jim and his staff were great to work with .

Joshua B.

Sidney, OH, Sep 8, 2025, 1:06 PM

It was a great experience working with Western Ohio Mortgage they went above and beyond super helpful super nice very respectful

Lauretta S.

Delaware, OH, Jul 15, 2025, 3:50 PM

Jim Luana was outstanding to work with! He made sure the process was painless & seamless and did all he could to make it happen! He was extremely professional, responsive, & explained everything in detail! Highly recommend!!!

Mark S.

Jackson, OH, Jun 18, 2025, 10:40 PM

James was always very helpful and knowledgeable.

Noah H.

Sidney, OH, Nov 20, 2025, 7:57 PM

James was awesome through the entire Process especially as being a first time home buyer, he throughly explained everything i had questions about and was by my side through the entire process. I would recommend anybody looking at buying a house to get ahold of james and allow Him to guide you through The process as he did me he made things very simple and effortless through the entire process . Im very thankfull that i was recommended to reach out to James and i hope many more first time homebuyers do also . I will definitely be working with James on my future real estate needs .

Courtney P.

Saint Marys, OH, Nov 5, 2025, 1:42 PM

GREAT communication - GREAT explanation on all of my questions - OVERALL AMAZING EXPERIENCE with Jim!

Matthew C.

Sidney, OH, Oct 15, 2025, 12:02 PM

Easy and responsive

Lisa M.

Port Jefferson, OH, Sep 27, 2025, 11:08 AM

Jim and his staff were great to work with .

Joshua B.

Sidney, OH, Sep 8, 2025, 1:06 PM

It was a great experience working with Western Ohio Mortgage they went above and beyond super helpful super nice very respectful

Lauretta S.

Delaware, OH, Jul 15, 2025, 3:50 PM

Jim Luana was outstanding to work with! He made sure the process was painless & seamless and did all he could to make it happen! He was extremely professional, responsive, & explained everything in detail! Highly recommend!!!

Mark S.

Jackson, OH, Jun 18, 2025, 10:40 PM

James was always very helpful and knowledgeable.

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.
Jim Luana

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.

Calculate Based on Your Individual Needs


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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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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 Indiana, Michigan, Ohio

Jim Luana

Senior Loan Officer

NMLS: 2403351

OH: MLO-OH.2403351

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

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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.

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.