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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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Are you working with a loan officer?

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Your next step is to complete a full application.

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reaching out!
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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Keith Luken
Picture of Keith Luken

Hi, I'm Keith!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Hi, I'm Keith!

Senior Loan Officer

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

99.00% 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.
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President's Club Member

President's club seal 2017
President's club seal 2018
President's club seal 2020
President's club seal 2021

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

  • Very fast, responsive, and friendly. No problems with anything on his end. I really liked the updates I received by email and being able to quickly upload docs as required. The process went as smoothly as could be--from the day I looked at my home with my agent to closing was only three weeks! I've told many people about how it went so quickly and so well!

    Chris B, happy client
  • Keith was an absolute blessing to my family. He worked very hard and was very thorough. Perhaps the most important thing was that he was always available and explained things very carefully.

    Stephen S, happy client
  • Keith was a rock star from the start! Being a first-time future home owner I had about 20 questions a day. Keith was very responsive, respectful and always took the time to walk me through each step of the process. I'd highly recommend Keith to anyone - the process couldn't have gone much smoother!

    Brittany (Bri) B, happy client
  • Keith laid out all of the information that would be needed from us for completing the loan application. This made it very easy to provide the team with all of the info prior to being under contract on a house. Since we were so prepared, we were able to provide a 3 week close in our offer, which helped make our offer very attractive to the seller.

    Anna H, happy client
  • As first-time homebuyers, we really didn't know what we were doing. Keith took the time to go through and explain everything so it made sense to us. He made everything very easy and the process went really smooth. We can't thank Keith and the Ruoff staff enough for all of their help.

    Zach P, happy client
  • In my life we have passed through seven homes. We have never had an equally care free experience. From our perspective every step was perfectly executed with care and completely clear we never, through the entire process, had a worrisome moment. Keith & Denise are our Super Stars.

    Michael G, happy client
  • I have bought and sold several houses over the last 10 years and this was one of the fastest and smoothest transactions I have ever done. Closed in 2 weeks. Very impressed!!

    Michael B, happy client
  • Every question I had was treated as though it was a wonderful question and not a stupid question. Even if I had asked it before, it was explained again to help me understand and the willingness to be patient with a new home buyer such as myself made it very comfortable to work with Keith and Becca at Ruoff.

    Corey S, happy client
  • This is the second loan we have done with Keith and he was our first contact when we wanted to buy again. The entire process from inquiry to closing was smooth and easy. Keith and his team were out in front of the process, incredibly responsive, and communicated with us every step of the way! So appreciative of their expertise and excellent service!

    Jan K, happy client
  • Keith was willing to drive up to Indy to help me out. He was always available to help me in this process to make sure I had everything in line for closing. He went above and beyond.

    Abby P, happy client
  • Every experience we've had with Keith Luken and Ruoff Mortgage has been tremendous. We have always felt well-informed and confident in the process.

    Thomas W, happy client
  • I was completely satisfied with Keith and my home buying experience. Keith explained the process to me and walked me through the entire process. Keith was prompt at returning all my call and emails. I had a lot of questions and Keith was patient and gave me excellent answered. Nothing was a surprise. I will recommend Keith to all of my friends and family.

    Lisa P, 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 812.350.2708 or message me below!

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