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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
Please complete all fields.
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Picture of John Periatt
Picture of John Periatt

Hi, I'm John!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Hi, I'm John!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

I am a Senior Mortgage Loan Officer with Ruoff Mortgage. I like using my knowledge and creativity to help my clients achieve their goals. Every customer is a new experience.

I’ve been happily married for 34 years. My only son just graduated from law school and works in New York City. I enjoy tour biking. For the past 10 years, my brother and I have traveled the country on our bicycles. We carry our clothes, tent, sleeping bags, and other necessities we need with us on our bikes. We have traveled from San Francisco to Los Angeles, Tacoma to Seattle, and Key West to Washington, DC.

It’s important to work with a mortgage loan professional that you can trust to give you honest advice. With my 30 year history in the mortgage industry, I am able to give advice on any mortgage loan products. We will work together to find the right product and solution to all of your financial needs.

Get Started

What is your goal?

Buy a Home

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


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

  • John was very professional and had all the answers to my questions. Everything went exactly as he promised it would! The whole process was seamless and even surpassed my expectations. From start to finish we closed in only 3 weeks. John was calm and made me feel relaxed throughout the whole process. I was surprised how quickly the underwriters responded to my loan app. Thank you to the whole Ruoff team who contributed to completing my mortgage! Great Job!

    Kenneth R, happy client
  • When John contacted me he had already done all the preliminary analysis and was able to tell me right away what my monthly savings would be if I refinanced. I have worked with John previously and find him to be very knowledgeable and very easy to work with.

    Outi C, happy client
  • John and his team are exceptionally efficient at what they do. After having unsuccessfully struggled with another bank for a refinance over two months, we could not be happier with how easy the process was through Ruoff!

    Paul S, happy client
  • This was the second time we've worked with John. The first was when we bought our house 3 years ago, and this time when we refinanced the mortgage. Once again, John was fabulous to work with. He explained how refinancing would work, from start to finish, and always kept us aware of where we were in the process and what we needed to do next. I would highly recommend John and Ruoff Mortgage to anyone looking to buy a house or refinance a mortgage.

    Nicole M, happy client
  • John had great customer service and timeliness and was very organized.

    Teresa E, happy client
  • Decided to refi and the process went very smoothly. Was efficient and clear on what had to be done. John and his processor Djoni are amazing!

    Melissa F, happy client
  • John was great to work with on top of every step.

    Martha E, happy client
  • Everything went so smoothly that I was able to move my closing date up and move in sooner.

    Stanley H, happy client
  • Great communication.

    Joshua , happy client
  • I am keen on "follow through and follow up" so I did notice that went very well.

    Edward O, happy client
  • We were very pleased and had no complaints.

    Ann B, happy client
  • John did not just treat me as a mere customer but instantly built a family type of relationship with me. I really appreciate all his advice and breaking down the numbers to me way ahead of time for me to understand each figure on my contract. John was also readily available to talk to me via phone or through email at any time.

    Thomas H, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

Stay connected.

I would love to hear from you!

Call me at (513) 382-4319 or message me below!

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