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Picture of Julie Chester
Picture of Julie Chester

Hi, I'm Julie!

Senior Loan Officer

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

98.91% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Julie!

Senior Loan Officer

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

98.91% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award
Julie Chester | NMLS: 798974 | OH: MLO.042581.001

Let me help you get pre-approved today!

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
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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

  • Review 1

    Source of Rating Icon

    Through the whole process Julie was on top of everything. If I had a question she knew the answer and what direction to point me in. There was not a single moment I felt alone in this process. Julie Chester communicated effectively and has a great personality. As a first homeowner I can say I feel confident in my decsion especially because of the guidance I had from Julie. I highly recommend working with Julie Chester and will make sure to tell anyone buying a house to reach out to her. Julie even took the time out of her day to come to my closing. It meant a lot to me having her there. Julie made my experience excellent!

    Olivia C.

    Mount Vernon, OH, September 11th, 2025 08:59 AM

  • Review 2

    Source of Rating Icon

    Everything about our experience was fantastic. Everything was clearly explained in detail, and there were no surprises, which is exactly what you want when purchasing a property. Julie and her team were very knowledgeable and went above and beyond to make the process quick and pain free.

    Charles J M.

    Fredericktown, OH, September 2nd, 2025 08:36 AM

  • Review 3

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    Great communication, very helpful uploading document and setting a proper budget and expectations so there were any surprises.

    Nathaniel J M.

    Gambier, OH, August 23rd, 2025 01:06 PM

  • Review 4

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    Clear rapid communication with and an eagerness to help me as a customer!

    Brady S S.

    Centerburg, OH, August 1st, 2025 11:16 AM

  • Review 5

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    Julie has done both my closings and shes great!

    Trey Austin S.

    MARENGO, OH, July 8th, 2025 08:10 PM

  • Review 6

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    great info and helping on details

    David B L.

    Howard, OH, June 30th, 2025 11:08 AM

  • Review 7

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    Everything!!!!!!

    Brenda K L.

    Howard, OH, June 30th, 2025 12:44 PM

  • Review 8

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    Great communication and a very excellent loan officer.

    Ethan E W.

    Howard, OH, June 24th, 2025 11:15 AM

  • Review 9

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    Julie was communicative, extremely knowledgeable, and efficient!

    Laura K D.

    Fredericktown, OH, March 3rd, 2025 05:19 PM

  • Review 10

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    Was always very prompt in returning my calls and responding to my emails and texts

    Gwendolyn L B.

    Mount Vernon, OH, October 21st, 2024 05:08 AM

  • Review 11

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    Julie was great to work with! She was able to answer all of our questions quickly and get us the information we needed!

    Laura S.

    Bellville, OH, October 20th, 2024 09:58 AM

  • Review 12

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    Julie is the very best at all aspects of the mortgage process, from applying to finalizing the purchase! I recommend her to everyone!

    tishavanhouten

    Fredericktown, OH, October 12th, 2024 05:45 PM

  • Review 13

    Source of Rating Icon

    Fast knowledgeable easy to work with staff and software and went above and beyond to get me in a house

    Steven M.

    Mansfield, OH, September 9th, 2024 11:04 AM

See More

Why should you choose Ruoff?

65

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

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

41

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2024 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.

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 740.398.5114 or message me below!

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