Kelly and I had discussed doing a recast when I did my first mortgage. When I contacted her about the recast, she suggested re-financing instead. She felt like I could get a much lower interest rate and she was correct. My goal was to decrease my monthly payment and I was able to do that as well as pay off some major debt from credit cards. Kelly is awesome to work with and very responsive.

We couldn’t have asked for a more personable experience. Kelly’s people skills are the epitome of customer service. Day or night, Kelly answered questions by phone call and text. We knew we were in good hands.

Kelly made the process seamless both times I've worked with her. Being newly divorced (and never having gone through this process on my own before) she took the time to answer all of my many questions and made sure that I fully understood each step of the process.

The most helpful part of the process was the assistance in getting our credit to the place it needed to be. Kelly and the Ruoff team gave us a solid game plan to get us pre-approved. From there, Kelly and Catherine were incredible - when an offer was needing to be higher than our preapproval, Kelly stepped up and got our higher preapproval letter in minutes even though it was a Friday night.

Kelly was an incredible force to work with. She was prompt with every question we had and she made our mortgage application process a breeze.

Kelly is amazing! I have worked with her several times and she is always the first person I contact. She is quick to respond to emails, always helpful, and will do whatever she can to help me! She is a true asset to Ruoff!

Kelly made this process simple and easy to understand. As a first time home buyer this can be daunting but Ruoff overall made this less so and was always quick to help me understand.

Kelly took on our challenging case 2 weeks before close! We figured there was no way we would make our deadline but Carolyn and Kelly made it work and we ended up closing on time! They were amazing at keeping us updated, gave us exceptional customer service, and kept us new homeowners informed. We were very blessed and lucky to have been recommended for their services.