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Kate Cusack

Senior Loan Officer

NMLS: 438675

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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

99.5%

Customer Satisfaction Score.

Scotsman Guide AwardRuoff Experience Award Winner AwardRuoff Experience Award Winner Award

Awards

Proudly serving Illinois, Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Review 1

Gisselle L.

Schererville, IN, Mar 10, 2026, 3:11 PM

5.0

Kate was extremely knowledgeable, empathetic, and overall a wonderful resource during our loan process. She was quick to get back to us whenever we had questions, and her good humor and upbeat demeanor made everything much less nerve-wracking. She completely put us at ease! She was also very open about what to expect during the loan process so we were never surprised. I would highly, highly recommend her to anyone looking for their first home.

Review 2

Mackenzie L D.

Cedar Lake, IN, Jul 8, 2025, 3:20 PM

5.0

Kate was absolutely wonderful! She was knowledgeable, helpful, and patient through the entire process! Any questions we had she was always there for us ☺️ we're so happy to have had her as our agent, she's become a good friend 🫶🏻

Review 3

Eric T.

Schererville, IN, Mar 10, 2026, 3:58 PM

5.0

Kate was fantastic to work with, start to finish. She was prompt, knowledgeable, and easy to communicate with. I would definitely refer my acquaintances to her should the occasion arise.

Review 4

Aaron R F.

Crown Point, IN, Oct 23, 2026, 3:05 PM

5.0

Made everything easy by communicating through text when needed and signing paperwork online

Review 5

Janet A.

Demotte, IN, Oct 19, 2026, 12:39 AM

5.0

Consistent communication on a regular basis. Very pleasant to work with

Review 6

Ethan S.

Saint John, IN, Oct 14, 2026, 3:25 PM

5.0

Kate of course!

Review 1

Gisselle L.

Schererville, IN, Mar 10, 2026, 3:11 PM

5.0

Kate was extremely knowledgeable, empathetic, and overall a wonderful resource during our loan process. She was quick to get back to us whenever we had questions, and her good humor and upbeat demeanor made everything much less nerve-wracking. She completely put us at ease! She was also very open about what to expect during the loan process so we were never surprised. I would highly, highly recommend her to anyone looking for their first home.

Review 2

Mackenzie L D.

Cedar Lake, IN, Jul 8, 2025, 3:20 PM

5.0

Kate was absolutely wonderful! She was knowledgeable, helpful, and patient through the entire process! Any questions we had she was always there for us ☺️ we're so happy to have had her as our agent, she's become a good friend 🫶🏻

Review 3

Eric T.

Schererville, IN, Mar 10, 2026, 3:58 PM

5.0

Kate was fantastic to work with, start to finish. She was prompt, knowledgeable, and easy to communicate with. I would definitely refer my acquaintances to her should the occasion arise.

Review 4

Aaron R F.

Crown Point, IN, Oct 23, 2026, 3:05 PM

5.0

Made everything easy by communicating through text when needed and signing paperwork online

Review 5

Janet A.

Demotte, IN, Oct 19, 2026, 12:39 AM

5.0

Consistent communication on a regular basis. Very pleasant to work with

Review 6

Ethan S.

Saint John, IN, Oct 14, 2026, 3:25 PM

5.0

Kate of course!

Review 7

Molly M.

Westville, IN, Oct 8, 2026, 3:20 AM

5.0

Kate was awesome!

Review 8

Kasey A H.

HIGHLAND, IN, Sep 21, 2026, 5:44 PM

5.0

Kate is so amazing! so quick to return calls and texts with the answers to my questions even when it was late at night! she made the home buying process so easy and stress free! This is the second time I have used her and my entire family has as well and we will continue to recommend her to everyone looking to purchase !

Review 9

Savannah D.

Munster, IN, Sep 19, 2026, 8:28 PM

5.0

We cannot say enough wonderful things about Kate! From start to finish, she was incredibly knowledgeable, responsive, and truly went above and beyond to make the entire process as smooth and stress-free as possible. She was always friendly, kind, patient, and willing to answer every question we had, no matter how small. Buying a home can be overwhelming, but having someone who genuinely cared about helping us made such a difference. We always felt like we were in great hands and that our best interests were a priority. We are so grateful for all of the time, effort, and guidance she gave us throughout the process. We would wholeheartedly recommend her to anyone looking for a loan officer who is knowledgeable, trustworthy, and genuinely wonderful to work with!

Review 10

James E J.

Hobart, IN, Aug 31, 2026, 4:54 PM

5.0

She walked me through everything any time I asked

Review 11

Edward H.

Crown Point, IN, Aug 25, 2026, 3:11 PM

5.0

was very excellent easy to talk to very kept me in the loop at all times, even when I had dumb questions, she even helped me out more excellent work from her

Review 12

Grant H.

Odon, IN, Aug 16, 2026, 4:36 PM

5.0

Kate is the best loan office there is!

Review 13

William P E.

Dyer, IN, Aug 5, 2026, 3:04 PM

5.0

Kate was fantastic. We were moving across the country and this part of our move was never something we were worried about because of our trust of Kate and her care for our home buying experience. Thank you!

Review 7

Molly M.

Westville, IN, Oct 8, 2026, 3:20 AM

5.0

Kate was awesome!

Review 8

Kasey A H.

HIGHLAND, IN, Sep 21, 2026, 5:44 PM

5.0

Kate is so amazing! so quick to return calls and texts with the answers to my questions even when it was late at night! she made the home buying process so easy and stress free! This is the second time I have used her and my entire family has as well and we will continue to recommend her to everyone looking to purchase !

Review 9

Savannah D.

Munster, IN, Sep 19, 2026, 8:28 PM

5.0

We cannot say enough wonderful things about Kate! From start to finish, she was incredibly knowledgeable, responsive, and truly went above and beyond to make the entire process as smooth and stress-free as possible. She was always friendly, kind, patient, and willing to answer every question we had, no matter how small. Buying a home can be overwhelming, but having someone who genuinely cared about helping us made such a difference. We always felt like we were in great hands and that our best interests were a priority. We are so grateful for all of the time, effort, and guidance she gave us throughout the process. We would wholeheartedly recommend her to anyone looking for a loan officer who is knowledgeable, trustworthy, and genuinely wonderful to work with!

Review 10

James E J.

Hobart, IN, Aug 31, 2026, 4:54 PM

5.0

She walked me through everything any time I asked

Review 11

Edward H.

Crown Point, IN, Aug 25, 2026, 3:11 PM

5.0

was very excellent easy to talk to very kept me in the loop at all times, even when I had dumb questions, she even helped me out more excellent work from her

Review 12

Grant H.

Odon, IN, Aug 16, 2026, 4:36 PM

5.0

Kate is the best loan office there is!

Review 13

William P E.

Dyer, IN, Aug 5, 2026, 3:04 PM

5.0

Kate was fantastic. We were moving across the country and this part of our move was never something we were worried about because of our trust of Kate and her care for our home buying experience. Thank you!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

Apply Now
Kate Cusack

A Bit About Me

Buying a home is one of life’s biggest financial decisions, and I’m committed to making the process as smooth and stress-free as possible. I take the time to understand your goals and find financing solutions that fit both your current needs and long-term plans. Known for clear communication, responsiveness, and personalized service, I work closely with my clients from application to closing and beyond.

As an Indiana native who has proudly called Northwest Indiana home for over a decade, I’m passionate about helping individuals and families achieve homeownership. When I’m not helping clients, you’ll find me spending time with my husband and our dogs—Jake, Juno, and Jinx—traveling, reading, baking, or enjoying the outdoors.

I'm a Lake County Fair 3 time blue ribbon winner for blackberry cheesecake

I'm a big reader with a love of WWII fiction and nonfiction

Name a murder podcast and I've listened to it

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.

Ruoff Customer Experience Award Award

Ruoff Customer Experience Award

Recognizes Ruoff loan officers who consistently create memorable experiences, demonstrated through outstanding customer satisfaction scores and feedback from their clients.

Ruoff Customer Experience Award Award

Ruoff Customer Experience Award

Recognizes Ruoff loan officers who consistently create memorable experiences, demonstrated through outstanding customer satisfaction scores and feedback from their clients.

Top 500 for Customer Satisfaction Award

Top 500 for Customer Satisfaction

Recognized by Experience.com among the Top 1% of loan officers nationwide for delivering exceptional customer experiences, based on verified client feedback and customer satisfaction results.

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 Illinois, Indiana, Michigan

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

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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.