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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%
Please complete all fields.

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 Karen Zank
Picture of Karen Zank

Hi, I'm Karen!

VP Branch Manager

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

96.00% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Hi, I'm Karen!

VP Branch Manager

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

96.00% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

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.
Get Started

President's Club Member

President's club seal 2020

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

  • We have purchased many properties and this was easiest of them all. Karen Zank and Ruoff have taken over the #1 ranking in our shortlist of preferred mortgage firms. Karen was knowledgeable and on top of every detail throughout the process. We look forward to the next opportunity to work with the Ruoff team.

    Timothy H, happy client
  • Everything went perfectly.

    Joseph B, happy client
  • Karen did an exceedingly good job. Would recommend her to anyone.

    Neal , happy client
  • Karen was amazing to work with! She helped me through the entire way. I highly recommend Karen. No complaints

    Kyle F, happy client
  • Every thing was quick and perfect and thorough. Will certainly use them again.

    Jamie P, happy client
  • The communication was top notch! If something changed or something else was needed, Karen let me know right away. She was very friendly and we would definitely recommend her.

    MEGAN M, happy client
  • The amount of effort that Karen and Lacey put into helping us with this process was truly impressive. Thank you for all the hard work.

    Luke F, happy client
  • Karen has absolutely the best communication style! She's easily reached whenever you need her (including on a few Sundays that I didn't expect an answer until Monday!) and is just a fabulous person to work with.

    Ashlee H, happy client
  • Karen was very professional and personable. The process went smoother than I had anticipated. The convenience of signing documents online made the process easy and I was able to submit my information later in the evenings when it was convenient for me.

    Mallory A, happy client
  • Everything went right on schedule like Karen said it would.

    Carol E, happy client
  • Everything went surprisingly quickly and smoothly!

    Rebecca J, happy client
  • As a first time home buyer, Karen Zank was amazing with me! She answered all my questions so I knew exactly what was happening and what was needed. It was an amazingly easy process with Karen by my side.

    Jodie G, 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.

Stay connected.

I would love to hear from you!

Call me at 260.243.1473 or message me below!

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