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Picture of Josh Cranfill
Picture of Josh Cranfill

Hi, I'm Josh!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Josh!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Hello! I'm not your average Mortgage Loan Officer. With 9 years of experience under my belt, I've come to understand that it's not just about mortgages; it's about people's lives and dreams. I genuinely care about my clients, and that's not just a tagline – it's the core of how I operate. I take the time to delve into your unique circumstances because I believe that each story is different and deserves a tailor-made solution. Whether you're stepping into homeownership for the first time or seeking to refinance, I'm here to guide you through the process with expertise and empathy. 

My track record speaks for itself – I don't settle for anything less than excellence. Competitive rates are a given, but what truly sets me apart is my dedication to ensuring a smooth and transparent mortgage journey. Your trust is paramount, and I'm committed to being your reliable partner from start to finish. I'm not just about transactions; I'm about relationships. Let me earn your business, not just as a Mortgage Loan Officer, but as someone who's genuinely invested in your financial well-being and success. Together, let's make your homeownership dreams a reality.

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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*

  • Josh and Alex were both amazing to work with! They helped a stressful process not be so stressful. I was always in the loop and up to date with the status of everything! If I ever had questions or concerns they both got back with me quickly and explained things if I was unsure. I’d recommend them to anyone. They’re both great!

    Zoe S, happy client
  • Josh felt more like a friend than a loan officer. He was very knowledgeable and answered any question I had. He was very committed and his response was always something positive.

    Nick E, happy client
  • The communication was phenomenal. It was also nice that Josh was able to tell that I had done my homework and research, and helped me understand things better.

    Ethan N, happy client
  • Josh was very personable and comfortable to work with, and communication was great.

    Jessica P, happy client
  • Everything was so smooth! Josh was amazing to work with!

    Elizabeth G, happy client
  • I applied with another company at the same time I applied with Ruoff. The other company only talked to me once then it was intermittent e-mails and then nothing.. Josh was the most amazing person I could have asked for. He would crunch numbers after every house I liked no matter what time of day it was.

    Steven S, happy client
  • Josh was so friendly and kind. He never made us feel like any of our questions were silly. Also made us feel very informed going through this process.

    Katelynn A G, happy client
  • Josh and everyone went above and beyond to make sure everything went smooth. We closed on a USDA loan in 14 days start to finish.

    Wayne D, happy client
  • Josh was so easy to talk to and answered all of our questions in a timely manner. He went out of his way for us and was great to work with.

    Carl L, happy client
  • Josh was great. I’m new to the home purchasing world and Josh did a great job explaining everything to me so that I understood where my money was going. Everything he told me was correct and he was all around very informative and helping.

    Ryan P, happy client
  • The communication throughout the process was amazing, Josh answered calls, texts, and emails at all hours and even on the weekends.

    Josh S, happy client
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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.

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I would love to hear from you!

Call me at 260.409.0808 or message me below!

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