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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.

Thank you for
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 Durnell
Picture of Kelly Durnell

Hi, I'm Kelly!

Sales Manager

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

99.00% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Hi, I'm Kelly!

Sales Manager

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 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

  • Well first off I would like to say Kelly is awesome. It was a pleasure working with her. She made us feel so comfortable with asking questions and etc. She was always an email or phone call away when we needed her. She was very professional and on time with all of the procedures. She also gave encouraging words that we as people need to hear. She was wonderful and does a great job. I would refer Ruoff and Kelly to anyone with pleasure thank you so much.

    Linnell J, happy client
  • The whole process felt like we had known Kelly forever! Made everything go smoothly and comfortably.

    Kenyon I, happy client
  • Everything went smooth.

    Mathew F, happy client
  • Kelly was amazing to work with. She helped us with our unique situation of buying from my parents. She was super knowledgeable and answered all my questions. She was helpful every step of the way.

    Vera N, happy client
  • Kelly took care of us. We couldn’t be more pleased with kelly. It’s our second time working with her and she did not disappoint

    Brenda T, happy client
  • Kelly was accessible, responsive, dependable, and friendly throughout our exchanges from beginning to beyond closing. In this market, it took us a long time to find a home but she communicated quick with us and got us the pre-approval letter multiple times to help us get our home. She was amazing! We will recommend her to friends and family and strangers!

    Karla Z, happy client
  • Kelly was awesome. She was very on top of everything all the time. We loved working with her.

    Kate B, happy client
  • Kelly was wonderful!! She wrote down exactly what I needed to get together to make the process quick and easy! I truly appreciate that all I had to do was dropped things off at the office and sign on the app!! I work 12 hours a day 7 days a week and Kelly made everything convenient for me!

    SUSAN T, happy client
  • Kelly was amazing to work with from start to finish. She was very responsive, answering every question no matter how big or small. I am thrilled we were able to work with Kelly. Should we ever decide to buy/sell again, Kelly will be our go to without a doubt!

    MISTY C, happy client
  • Kelly was great to work with. She communicated clearly and quickly through each step of the process. She was knowledgeable and very pleasant. Kelly made the process easier than expected. I cannot say enough about the ease of refinancing and clarity of communication. Excellent customer service really makes a difference. I am so glad we chose Ruoff!

    Dan D, happy client
  • Kelly was very knowledgeable about everything she was so helpful we worked with her before and we love Kelly we thank her so much.

    Brian G, happy client
  • Our favorite part of this process was getting to work with Kelly! I have never worked with anyone that is so quick to respond. Not to mention, she provided thorough feedback and was extremely upfront and knowledgeable. We have raved about her from the very beginning and will continue to do so!

    Shelby V, 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 260.437.5417 or message me below!

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