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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?

Let's connect!

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Your next step is to complete a full application.

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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
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Picture of Kelly Barile
Picture of Kelly Barile

Hi, I'm Kelly!

Senior Loan Officer

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

98.20% Customer Satisfaction Rating

Hi, I'm Kelly!

Senior Loan Officer

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

98.20% Customer Satisfaction Rating

Let me help you get pre-approved today!

I have an extensive background in the mortgage industry ranging from origination, processing and closings. As a Licensed Loan Originator, my training and expertise go far beyond just quoting you a good interest rate. I listen to the needs of my clients and offers strategic solutions.

As a successful mortgage professional, I believe in maintaining a comprehensive understanding of the industry's rules and regulations. Education, credibility, honesty, and trust with my clients are the keys to my success. Your satisfaction is important to me!

I moved to Ruoff Mortgage in 2009. I knew Ruoff would enable me to offer my clients the best all-around service combined with a multitude of loan products ranging from Conventional, FHA, VA, USDA, Construction, and MCC.

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

  • 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.

    Deborah W, happy client
  • 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.

    Jose G, happy client
  • 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.

    Leah H, happy client
  • 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.

    Laura H, happy client
  • 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.

    William F, happy client
  • 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!

    Dawn H, happy client
  • 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.

    Tyler S, happy client
  • 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.

    Sophia C, 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 260.602.9136 or message me below!

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