Joel was very thorough in explaining things throughout the whole process, even when needing to explain the same things a few different times before it made sense to us; since this was our first time ever purchasing a house. Joel was very personable and professional in assisting us with his many years of experience and expertise. He kept the process moving along as quickly and as smoothly as we could on our part and he remained transparent with us through it all.

Great communication by Joel and his team. Very quick to respond to calls or emails plus he did an excellent job of setting proper expectations throughout the whole process.

Keeping me informed of what was going on near closing time. Explaining everything to me in terms that I could understand was a big help in keeping me calm during the end when things didn’t go as planned due to the seller's end.

Joel was very thorough with timely follow up and detailed explanations. In addition, Joel went above and beyond with discovering a few issues and contacted us immediately to resolve and stay on time. He was very friendly and had everything under control!

Joel made each step easy! My stress level went down the more I worked with his staff!

Everything went well. Joel was always on top of things and was ready to answer any questions I had as soon as I had them. He would check in periodically to let me know things were moving along smoothly, which was very helpful. He was very honest and upfront about what challenges may lie ahead, which we found refreshing. We like to be prepared for everything, and we definitely felt like we were with Joel.

Joel took time to explain every aspect of the loan process and when we had difficulty, he helped me work through a solution. I really liked his way of making it easy and understandable.

Joel was an awesome guy, he explained everything very well and made the process go very smoothly especially with being a first time home buyer.

I never had second thoughts about my mortgage situation. Everything was very organized, communication was on point, and I was treated even better than I expected. I was beyond satisfied with my decision to leave the first mortgage company I talked to and seal the deal with Ruoff Mortgage.

The communication was excellent. The willingness to work with crazy schedules was superb. The ability to explain various aspects of the process in concise and understandable terms was fantastic. The speed of processing impressive. The friendliness of the loan officer(s) was top-notch. In short, we could not have asked for a more pleasant and professional experience.

Joel was a fantastic loan officer who took a great deal of time and care to explain the process and make sure there were no surprises or discrepancies. I would recommend him to other potential homebuyers without hesitation.