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

John Periatt

Senior Loan Officer

NMLS: 757310 | KY: MC701552 | OH: MLO-OH.757310

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
John

98.48%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerRuoff Experience Award Winner

Awards

Proudly serving Florida, Indiana, Kentucky, Michigan, Ohio

Meet our happy homeowners***

View All Testimonials

Nicole R M.

Oxford, OH, Nov 22, 2023, 11:02 PM

We're incredibly grateful for John's exceptional support during our home buying journey. His expertise and dedication shone through for the third time, making the mortgage process smooth and stress-free. John's professionalism, attention to detail, and prompt communication make him an invaluable asset. We highly recommend his services to anyone seeking a knowledgeable and reliable mortgage loan officer.

Deborah S S.

Loveland, OH, Mar 23, 2024, 11:46 PM

Keeping us informed of the progress and having everything accessible made the process less stressful than we’ve had before.

Anthony C Z.

Middletown, OH, Apr 3, 2024, 8:58 PM

John was able to help make our dream come true in buying our first home. My wife and I did not qualify for many of the benifits for first time home buyers however John had the perfect financing option that for our circumstances.

Chloe A P.

Cincinnati, OH, Jul 14, 2026, 4:20 PM

Quick responses, extremely helpful, explained everything that was confusing for us as first time homebuyers.

Stephen G F.

Cincinnati, OH, Jul 17, 2026, 5:05 PM

Amazing attention to detail

Dakota C C.

Cincinnati, OH, Jul 15, 2026, 8:33 PM

Made buying a house easy

Katherine A P.

Milford, OH, Jan 27, 2026, 4:07 PM

John was a pleasure to work with from beginning to end of the process!

Kristina G D.

Cincinnati, OH, Jan 25, 2026, 8:19 PM

Absolutely outstanding experience from start to finish. Working with John Periatt and his team was one of the best decisions I made during my home buying process. From the very first conversation, John made me feel informed, supported, and genuinely cared for, not just as a client but as a person. John was incredibly responsive, transparent, and knowledgeable. He took the time to explain every step, answered questions promptly no matter how small, and made what can be a stressful process feel seamless and manageable. His attention to detail and proactive communication gave me complete confidence throughout the entire loan process. What truly sets John apart is his dedication and integrity. He worked tirelessly to find the best possible option for my situation and never made me feel rushed or pressured. It is clear that he genuinely loves what he does and takes pride in helping people reach their goals. I would recommend John Periatt without hesitation to anyone looking for professionalism, efficiency, and exceptional service. Five stars truly are not enough.

Nicole R M.

Oxford, OH, Nov 22, 2023, 11:02 PM

We're incredibly grateful for John's exceptional support during our home buying journey. His expertise and dedication shone through for the third time, making the mortgage process smooth and stress-free. John's professionalism, attention to detail, and prompt communication make him an invaluable asset. We highly recommend his services to anyone seeking a knowledgeable and reliable mortgage loan officer.

Deborah S S.

Loveland, OH, Mar 23, 2024, 11:46 PM

Keeping us informed of the progress and having everything accessible made the process less stressful than we’ve had before.

Anthony C Z.

Middletown, OH, Apr 3, 2024, 8:58 PM

John was able to help make our dream come true in buying our first home. My wife and I did not qualify for many of the benifits for first time home buyers however John had the perfect financing option that for our circumstances.

Chloe A P.

Cincinnati, OH, Jul 14, 2026, 4:20 PM

Quick responses, extremely helpful, explained everything that was confusing for us as first time homebuyers.

Stephen G F.

Cincinnati, OH, Jul 17, 2026, 5:05 PM

Amazing attention to detail

Dakota C C.

Cincinnati, OH, Jul 15, 2026, 8:33 PM

Made buying a house easy

Katherine A P.

Milford, OH, Jan 27, 2026, 4:07 PM

John was a pleasure to work with from beginning to end of the process!

Kristina G D.

Cincinnati, OH, Jan 25, 2026, 8:19 PM

Absolutely outstanding experience from start to finish. Working with John Periatt and his team was one of the best decisions I made during my home buying process. From the very first conversation, John made me feel informed, supported, and genuinely cared for, not just as a client but as a person. John was incredibly responsive, transparent, and knowledgeable. He took the time to explain every step, answered questions promptly no matter how small, and made what can be a stressful process feel seamless and manageable. His attention to detail and proactive communication gave me complete confidence throughout the entire loan process. What truly sets John apart is his dedication and integrity. He worked tirelessly to find the best possible option for my situation and never made me feel rushed or pressured. It is clear that he genuinely loves what he does and takes pride in helping people reach their goals. I would recommend John Periatt without hesitation to anyone looking for professionalism, efficiency, and exceptional service. Five stars truly are not enough.

Charles Linwood Y.

Cincinnati, OH, Jan 12, 2026, 6:36 PM

John was absolutely on top of everything! If I need another mortgage, John will absolutely get my business again.

Benjamin R.

OXFORD, OH, Jan 2, 2026, 4:11 PM

John helped to walk me through the first time homebuying process with ease. He was great to work with and clearly explained different options and considerations regarding my loan. He also was able to adjust my mortgage late notice to ensure a timely and organized closing day. Shout out to DJ who helped me collect necessary documents and helped with my requests.

Patrick J A.

Cincinnati, OH, Dec 9, 2025, 4:49 PM

The whole process was well handled by my loan officers! I had no issues and evrything was communicated immediately. Thankd for the great service!!

Joel M E.

Hamilton, OH, Nov 7, 2025, 3:14 AM

John was always on top of the information needed. I felt like I was in very good hands throughout the entire process.

Nicole R. M.

Oxford, OH, Oct 6, 2025, 3:07 PM

We had a great experience refinancing our home. John Periatt was knowledgeable, responsive, and worked to get us a much lower interest rate. The whole process was smooth and stress-free.

Kyle S D.

Hamilton, OH, Sep 16, 2025, 4:33 PM

John was once incredibly detail oriented & explained things in explicit detail so that we understood the process. He was timely and effective. We were so grateful to have him to guide us through this process.

Katherine L J.

Somerville, OH, Sep 12, 2025, 3:56 PM

Quick replies, explained everything great, friendly and knowledgeable! John was great to work with!

William F. W.

Cincinnati, OH, Sep 12, 2025, 3:04 PM

Hiring John Periatt

Charles Linwood Y.

Cincinnati, OH, Jan 12, 2026, 6:36 PM

John was absolutely on top of everything! If I need another mortgage, John will absolutely get my business again.

Benjamin R.

OXFORD, OH, Jan 2, 2026, 4:11 PM

John helped to walk me through the first time homebuying process with ease. He was great to work with and clearly explained different options and considerations regarding my loan. He also was able to adjust my mortgage late notice to ensure a timely and organized closing day. Shout out to DJ who helped me collect necessary documents and helped with my requests.

Patrick J A.

Cincinnati, OH, Dec 9, 2025, 4:49 PM

The whole process was well handled by my loan officers! I had no issues and evrything was communicated immediately. Thankd for the great service!!

Joel M E.

Hamilton, OH, Nov 7, 2025, 3:14 AM

John was always on top of the information needed. I felt like I was in very good hands throughout the entire process.

Nicole R. M.

Oxford, OH, Oct 6, 2025, 3:07 PM

We had a great experience refinancing our home. John Periatt was knowledgeable, responsive, and worked to get us a much lower interest rate. The whole process was smooth and stress-free.

Kyle S D.

Hamilton, OH, Sep 16, 2025, 4:33 PM

John was once incredibly detail oriented & explained things in explicit detail so that we understood the process. He was timely and effective. We were so grateful to have him to guide us through this process.

Katherine L J.

Somerville, OH, Sep 12, 2025, 3:56 PM

Quick replies, explained everything great, friendly and knowledgeable! John was great to work with!

William F. W.

Cincinnati, OH, Sep 12, 2025, 3:04 PM

Hiring John Periatt

Calculate Based on Your Individual Needs


Purchase Calculator

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

Apply Now
John Periatt

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.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

President's Club

President's Club

2x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

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 Florida, Indiana, Kentucky, Michigan, Ohio

John Periatt

Senior Loan Officer

NMLS: 757310

KY: MC701552

OH: MLO-OH.757310

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

Ruoff Mortgage Logo White

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.