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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%
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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Kathy Bowman
Picture of Kathy Bowman

Hi, I'm Kathy!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Hi, I'm Kathy!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

I, a long time Bloomington resident, graduated from Bloomington High School North in 1986, and attended both Indiana State University and Indiana University. I began my banking career with Monroe County Bank in 1991 and have been a mortgage lender ever since.

Being a mortgage lender is very rewarding for me in many ways. I enjoy educating clients in the beginning stage of home buying, assisting buyers during the loan process, and especially seeing the excitement on families' faces on closing day.

When I'm not originating loans, I love spending time with my family, my husband of 30 years, Don, and our two children, Matt and Katie. I also enjoy caring for my aging father. In my spare time, I enjoy shopping, reading a good book, playing with my dog Jack and grand-dog Jake and relaxing weekends at Lake Monroe.

Get Started

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

  • Everything! This went so quickly that I had the keys to my forever home in my hand in a month, and that was over the Christmas holiday too. Kathy really made sure that I was informed of the loan process all the way through and it couldn't have gone any smoother. I would definitely recommend Ruoff Mortgage to any friends that may be looking to purchase a home in the future. Great job!

    Debbi A, happy client
  • Kathy was terrific. She made the entire process transparent, she was very responsive and incredibly knowledgeable. For someone on the outside of the lending industry, I really wanted someone who would keep me informed, explain the steps in normal language and make me feel comfortable. Kathy did all that (bonus points for bringing the mug of candy to the closing - !)

    Jim M, happy client
  • Everything went well with Kathy, buying a home is stressful and she made our process for getting a home loan as smooth as could be. She went above and beyond, I would recommend her to anyone I know in the market for a home.

    Mallory S, happy client
  • Everything was excellent. Going forward, I will only work with Kathy Bowman at Ruoff. I will also be recommending both Kathy Bowman and Ruoff to everyone that I know.

    Allison F, happy client
  • This is my 5th purchase and this is by far the best service I have ever had. Kathy is truly the best loan person I have ever worked with.

    Arlin T, happy client
  • Kathy was very honest and upfront from the beginning of the process which made getting the loan a stress-free process.

    Alex S, happy client
  • Kathy is outstanding! She has helped me with several transactions and I have sent her many friends. She has always provided the best service.

    Warren C, happy client
  • Kathy was always very prompt to answer our questions or concerns. Highly knowledgeable about the entire process. Made the entire process as easy as it could be on us. Very appreciative of our business. Eager to go the extra step to make the closing as smooth as possible.

    Laci C, happy client
  • Great communication all the way through! Both Kathy and Meghan were great at making me feel comfortable during my first home buying experience! I was so nervous at first, but every step of the way they made me feel at ease!

    Pharyne S, happy client
  • Kathy was exceptional and this is our third time working with her. We have recommended her to others.

    Cathleen W, happy client
  • Kathy was very well informed and kindly and professionally walked me through all of my different options to help me select the best one for me.

    Jana R, happy client
  • Everything went well from our initial meeting to our closing. Kathy did an excellent job of explaining the process and checking that we completed the necessary steps to successfully close. It was a pleasure to work with Kathy and I would definitely recommend her to future home buyers.

    Donald W, 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 812.322.2157 or message me below!

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