Ruoff Mortgage Logo
Year started: 2011. Years of experience: 15.
Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Karan Rastall

Senior Loan Officer

NMLS: 763395

Ready to help make your homeownership dreams come true through advocacy, guidance, and education.

Read full bio
Karan

99.2%

Customer Satisfaction Score.

Scotsman Guide Award

Awards

15

Years of helping homeowners like you.

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Jessika M M.

Bloomfield, IN, Jun 7, 2025, 4:06 PM

5.0

Karan gave me amazing advice and service from day one. She took time to answer all of my questions and helped educate me about the whole process before I even decided to apply. I really appreciate her energy, enthusiasm and support! Thank you for helping me feel confident purchasing my first home.

Review 2

Lea H.

BLOOMINGTON, IN, Aug 3, 2026, 10:32 PM

5.0

Karan went above and beyond to make this experience memorable for me. She is kind, communicative, and put in so much work to get me the best rate possible. I will be recommending her in the future!

Review 3

Kelsey Lynn O.

ELLETTSVILLE, IN, Jul 11, 2026, 10:58 PM

5.0

Karan is a rockstar! If sure she does this with all of her clients, but she went above and beyond for us and and we will be forever greatful! This is the second time we have ever used her and we ever go through this process again she will be my go to! I highly recommend her and Jennifer!

Review 4

Frank C M.

Bloomington, IN, Jun 9, 2026, 4:06 PM

5.0

Keep us updated at all times with movement in the process.

Review 5

Karen Bernice M.

Bloomington, IN, Jun 9, 2026, 3:08 PM

5.0

Karen Rastall was absolutely wonderful- knowledgeable and professional, cordial.

Review 6

Mitchell M.

Ellettsville, IN, Jun 9, 2026, 3:06 PM

5.0

Karan was friendly, knowledgeable, and quick to respond!

Review 7

Benjamin C S.

Bloomington, IN, Apr 22, 2026, 12:04 PM

5.0

Karan made the entire process painless and was immediate to any task that needed to be complete.

Review 1

Jessika M M.

Bloomfield, IN, Jun 7, 2025, 4:06 PM

5.0

Karan gave me amazing advice and service from day one. She took time to answer all of my questions and helped educate me about the whole process before I even decided to apply. I really appreciate her energy, enthusiasm and support! Thank you for helping me feel confident purchasing my first home.

Review 2

Lea H.

BLOOMINGTON, IN, Aug 3, 2026, 10:32 PM

5.0

Karan went above and beyond to make this experience memorable for me. She is kind, communicative, and put in so much work to get me the best rate possible. I will be recommending her in the future!

Review 3

Kelsey Lynn O.

ELLETTSVILLE, IN, Jul 11, 2026, 10:58 PM

5.0

Karan is a rockstar! If sure she does this with all of her clients, but she went above and beyond for us and and we will be forever greatful! This is the second time we have ever used her and we ever go through this process again she will be my go to! I highly recommend her and Jennifer!

Review 4

Frank C M.

Bloomington, IN, Jun 9, 2026, 4:06 PM

5.0

Keep us updated at all times with movement in the process.

Review 5

Karen Bernice M.

Bloomington, IN, Jun 9, 2026, 3:08 PM

5.0

Karen Rastall was absolutely wonderful- knowledgeable and professional, cordial.

Review 6

Mitchell M.

Ellettsville, IN, Jun 9, 2026, 3:06 PM

5.0

Karan was friendly, knowledgeable, and quick to respond!

Review 7

Benjamin C S.

Bloomington, IN, Apr 22, 2026, 12:04 PM

5.0

Karan made the entire process painless and was immediate to any task that needed to be complete.

Review 8

Nancy R B.

BLOOMINGTON, IN, Apr 2, 2026, 5:29 PM

5.0

and competent help is what I received. The process was very well executed.

Review 9

Leigh M S.

Bloomington, IN, Mar 6, 2026, 4:52 PM

5.0

Karan is great to work with! She's great with answering questions and providing clarifications, quick to relpy to messages, and fun to chat with. She put us at ease through the whole process.

Review 10

Nicole B H.

Ellettsville, IN, Dec 23, 2025, 12:14 AM

5.0

Karan and Jennifer were wonderful to work with. They communicated clearly and went above and beyond helping us gather necessary information.

Review 11

Lanson W. W.

Bloomington, IN, Nov 17, 2025, 4:14 PM

5.0

You all treated Kim and I like family and it was the easiest house buying experience we have had. Thank you for all your help!

Review 12

Todd F.

Bloomington, IN, Oct 14, 2025, 3:07 PM

5.0

Karen did a great job of keeping me informed and looking out for me. Karen also has an incredible team she works with everyday!

Review 13

Mindy R.

Bloomington, IN, Sep 20, 2025, 7:03 PM

5.0

Katan was very knowledgeable and professional throughout the entire process! She is excellent In her role within your company!!

Review 14

Stephen B.

Bloomington, IN, Sep 8, 2025, 1:34 PM

5.0

Karan is absolutely fantastic to work with! I will recommend her to anyone looking to buy a home or refinance. Karan and Jennifer were quick to respond to any questions I had and made sure I knew what I needed to complete to keep the process moving. Just an absolutely fantastic and stress free experience.

Review 8

Nancy R B.

BLOOMINGTON, IN, Apr 2, 2026, 5:29 PM

5.0

and competent help is what I received. The process was very well executed.

Review 9

Leigh M S.

Bloomington, IN, Mar 6, 2026, 4:52 PM

5.0

Karan is great to work with! She's great with answering questions and providing clarifications, quick to relpy to messages, and fun to chat with. She put us at ease through the whole process.

Review 10

Nicole B H.

Ellettsville, IN, Dec 23, 2025, 12:14 AM

5.0

Karan and Jennifer were wonderful to work with. They communicated clearly and went above and beyond helping us gather necessary information.

Review 11

Lanson W. W.

Bloomington, IN, Nov 17, 2025, 4:14 PM

5.0

You all treated Kim and I like family and it was the easiest house buying experience we have had. Thank you for all your help!

Review 12

Todd F.

Bloomington, IN, Oct 14, 2025, 3:07 PM

5.0

Karen did a great job of keeping me informed and looking out for me. Karen also has an incredible team she works with everyday!

Review 13

Mindy R.

Bloomington, IN, Sep 20, 2025, 7:03 PM

5.0

Katan was very knowledgeable and professional throughout the entire process! She is excellent In her role within your company!!

Review 14

Stephen B.

Bloomington, IN, Sep 8, 2025, 1:34 PM

5.0

Karan is absolutely fantastic to work with! I will recommend her to anyone looking to buy a home or refinance. Karan and Jennifer were quick to respond to any questions I had and made sure I knew what I needed to complete to keep the process moving. Just an absolutely fantastic and stress free experience.

Dining Perks ImageBowl of Food Image

Save on your closing costs with our new loyalty program! Learn all about the mortgage process and earn points that can be converted to cash toward your closing costs.

Sign Up
Bowl of Popcorn ImageMoving Discounts Image

HomeNow

Down Payment Assistance

Our most inclusive down payment assistance program!

This unique program offers 100% financing* for qualified FHA borrowers, plus up to 5% down payment assistance, and closing cost options!

*Restrictions apply. See website for details. The Ruoff Mortgage HomeNow™ Down Payment Assistance program is currently available in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, and Ohio. Please check with your loan officer for more information regarding state availability.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

Loans Designed to Meet Your Individual Needs

Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.

Man and Woman laughing and smiling as being handed keys to their new home.
Karan Rastall

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 Award

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

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 Indiana

My Operating Hours

Mon: 8:00 AM - 8:00 PM

Tue: 8:00 AM - 8:00 PM

Wed: 8:00 AM - 8:00 PM

Thu: 8:00 AM - 8:00 PM

Fri: 8:00 AM - 8:00 PM

Sat: 10:00 AM - 2:00 PM

Sun: 10:00 AM - 2:00 PM

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.