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Picture of Joel Scheer
Picture of Joel Scheer

Hi, I'm Joel!

VP | Branch Manager

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

99.56% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Joel!

VP | Branch Manager

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

99.56% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

As a lending professional with nearly 20 years of mortgage experience, I can meet a wide range of real estate lending needs, whether it is your first time purchase or the refinance of your current home loan.

The very first rule, in my opinion, is to always be mindful that I too am a consumer. Therefore, I pride myself on making sure you fully understand the features associated with the loan program that best fits your needs and that it does, in fact, meet your unique financial situation. My goal is to provide you with the best home loan options, as well as, doing my very best to ensure your loan is closed smoothly and on time. I encourage your referrals and pledge to extend the same professional service to your friends, family members, work colleagues or neighbors who may be in need of my assistance.

I first started with Ruoff Mortgage in August of 2001 as a mortgage loan originator. In September 2009, I was appointed the Branch Manager position when Ruoff established our southwest Fort Wayne location. Ruoff Mortgage has been providing home loans to the good people of Indiana since 1984. The Ruoff Mortgage team has much to offer clients who are looking for low costs, competitive rates, a wide variety of loan programs, sound advice, and that hometown bank feeling!

I enjoy spending quality time and vacationing with my beautiful wife of over 20 years and my two awesome adult children. Traveling to a variety of different locations on spring break and the long weekends spent annually in the Big Apple are the family favorites. I also enjoy hanging out at the pool house in the summer, playing golf, and watching Colts games on Sunday's (and yes, my pool has a 10 ft. x 10 ft. Colts horseshoe on the bottom). Hey , you only live once right?

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President's Club Member

President's club seal 2018
President's club seal 2019
President's club seal 2020
President's club seal 2021
President's club seal 2022
President's club seal 2023

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

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*

  • 5.0
    Rating source icon

    Joel was a true professional and very knowledgeable throughout the entire process. He made my first home-buying experience a very positive one, and I am so grateful for that!

    Aaron L C.

    Huntington, IN, September 14th, 2023 02:33 PM

  • 5.0
    Rating source icon

    Joel was amazing and really helped us as first time home buyers. He was attentive, responsive, and answered all of our questions. We formed a great relationship with him and will always keep in touch!

    Katie Suezann S.

    Fort Wayne, IN, June 18th, 2023 12:10 PM

  • 5.0
    Rating source icon

    I enjoy working with Joel. He always has his clients best interests in mind. He make sure they understand he process and what to expect.

    Carol M F.

    Woodburn, IN, October 17th, 2023 06:08 PM

  • 5.0
    Rating source icon

    Joel is very knowledgeable, friendly, and efficient! He goes way above and beyond the whole experience. Always available 24/7 for my every question. There were absolutely no surprises. He explained every detail in great depth in all aspects. You do not find his level of customer service just anywhere anymore. I felt secure in every decision and detail of this transaction because of him. There were a lot pieces to this mortgage and he crossed every t and dotted every I and explained everything as it was happening and what was forth-coming. A excellent experience all around!

    Joetta M B.

    Huntington, IN, July 12th, 2024 11:39 AM

  • 5.0
    Rating source icon

    Joel was very helpful every step and answered all of my questions, even if it was something that wasn’t part of his job but he could give me an idea of what I would be looking at. Which to me, was very helpful to either have an answer or at least be pointed in the right direction

    Jordan T R.

    Wabash, IN, June 24th, 2024 01:04 PM

  • 5.0
    Rating source icon

    Joel is the benchmark of what a knowledgeable professional should strive to be. He will always be my first call for our mortgage needs.

    Daniel E R.

    Angola, IN, May 24th, 2024 11:07 AM

  • 5.0
    Rating source icon

    Joel was knowledgeable and was exceptionally helpful in making my understanding of the process as clear and informed as possible. Couldn't have been any better.

    Logan C.

    Fort Wayne, IN, April 12th, 2024 12:13 PM

  • 5.0
    Rating source icon

    Joel was amazing! He made us feel like family during the whole experience! Buying a home is stressful but Joel made the experience stress-free!

    Emma E W.

    Huntington, IN, April 8th, 2024 11:07 AM

  • 5.0
    Rating source icon

    Joel is hands down the easiest guy to work with! He gets back to you so fast and he stays on top of things so you don’t have to worry! He helped my wife and I find our forever home!! I’d recommend Joel to anyone that is looking for a home!

    Dylan J W.

    Huntington, IN, April 8th, 2024 11:07 AM

  • 5.0
    Rating source icon

    Joel was super easy to work with, and answered every question we had quickly. He explained every step of the way from our first application to our closing date. Couldn’t recommend Joel and Ruoff more!

    Drew S.

    Fort Wayne, IN, April 15th, 2024 11:46 AM

  • 5.0
    Rating source icon

    There is a reason Joel is the Branch Manager. I was clueless on buying a house and he answered each and every one of my many questions. He even told me things I didn't even think of. If I would call or text he always responded right away. Thank you Joel!

    Staci H.

    Berne, IN, May 6th, 2024 01:22 PM

  • 5.0
    Rating source icon

    Joel was knowledgeable and reachable by phone and kept me up to date on the whole process

    Moaz Z.

    Fort Wayne, IN, May 11th, 2024 12:36 PM

  • 5.0
    Rating source icon

    Joel was a rockstar through the whole process. He somehow got us funded and closed in under 2 weeks! He kept us informed throughout the process and was clearly an expert in all things mortgage. He was honest, available, and a pleasure to work with. I couldn’t have asked for a better experience.

    Richard M S.

    New Haven, IN, April 1st, 2024 11:46 AM

  • 5.0
    Rating source icon

    Excellent service

    Andrew K.

    Fort Wayne, IN, March 25th, 2024 11:13 AM

  • 5.0
    Rating source icon

    Joel was absolutely excellent. I felt like I was in good hands the whole time!

    Nicholas M M.

    Fort Wayne, IN, March 25th, 2024 12:03 PM

  • 5.0
    Rating source icon

    Joel was fantastic! From start to finish he was friendly, knowledgeable, and a joy to work with! As a first time home buyer he made this experience exciting and thoroughly explained every step along the way! I will recommend Joel and Ruoff to any and everyone for all their home-buying needs!

    Shelby L J.

    Fort Wayne, IN, January 22nd, 2024 11:04 AM

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Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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I would love to hear from you!

Call me at 260.402.9832 or message me below!

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