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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
Please complete all fields.
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Picture of Kevin Johnson
Picture of Kevin Johnson

Hi, I'm Kevin!

VP Branch Manager

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

95.80% Customer Satisfaction Rating

Hi, I'm Kevin!

VP Branch Manager

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

95.80% Customer Satisfaction Rating

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.
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

  • Kevin went above and beyond to help me purchase my new home on a very delicate time of my life. I was in the middle of my divorce and Kevin made everything under his power to expedite the process. I already recommended Kevin's service to a friend, and I will continue to recommend Ruoff as a great loan office to work with it.

    Sheila P, happy client
  • Kevin was so great! He answered all of our questions and made sure to contact us with updates.

    Clarissa H, happy client
  • Kevin Johnson made the experience easy, fun, and a breeze. He was there when we had questions and he was very knowledgeable. Would recommend KJ to everyone we know!!!

    Micayla P, happy client
  • Kevin was extremely helpful during the whole process. This was hands down the best mortgage experience I have encountered, and I’ve had many. Kevin was extremely responsive and proactively let me know what to expect along the way. I will highly recommend Kevin to friends and family!

    Bradley G, happy client
  • Since it was local to me and Kevin was always available to talk and resolve queries. It helped to speed up loan process.

    Ashish A, happy client
  • For me, it's about relationships and customer service and KJ always comes thru for me and my family. Answers my texts back immediately and picked up every time I called when I was confused and had a question. He answered my questions and made me feel at ease every step of the way.

    Max B, happy client
  • The online portal was excellent and I greatly appreciate being able to see all of the steps in advance. The rapid closing time and response from Kevin were also appreciated and were a key deciding factor in choosing to work with Ruoff.

    Benjamin Y, happy client
  • Kevin Johnson made this process very easy and painless.

    Ian D, happy client
  • Kevin and his team made this process painless for us. They communicated with us every step of the way!

    Taylor S, happy client
  • Typically think this process takes too long - we were surprised how quick Kevin was able to put this together. Kevin was always available for questions. More importantly, Kevin answered the phone every time we called.

    James W, happy client
  • Kevin did a great job and was very helpful and responsive throughout the entire process. Denise (his assistant) was great as well.

    Ryan E, happy client
  • We first spoke to a national bank about a mortgage and they felt reluctant to help us although we were qualified. Kevin Johnson, from the very first conversation, gave us the impression that he wanted to help. Ruoff made us feel like we were going through this process together and that we were his most important clients.

    John 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 812.344.6670 or message me below!

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