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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 Kim Arnos
Picture of Kim Arnos

Hi, I'm Kim!

Senior Loan Officer

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

97.27% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Kim!

Senior Loan Officer

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

97.27% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I have spent almost 20 years in the mortgage industry specializing in FHA, VA, USDA, Conventional and Construction Loans. During those years I have worked hard to maintain a strong commitment to excellence, building a reputation of offering knowledgeable and honest service to my clients. I work on a referral basis from satisfied clients and am always willing to go above and beyond the norm just to make sure my clients are satisfied.

I like to educate my clients through the entire loan process, so they know exactly what is going on from beginning to end. I am all about helping others obtain their financial goals and dreams. I focus on making every client a Customer for life.

Call today for a free personalized quote!

Get Started

President's Club Member

President's club seal 2017
President's club seal 2018
President's club seal 2019
President's club seal 2020
President's club seal 2021
President's club seal 2022

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*

  • Extremely fast closing, very organized, very informative, and honest! Loved the e- signature option & anytime availability of my loan officer. There was not one paper I didn't understand at closing due to my loan officer going through it page by page with us before hand. As we were signing she was checking all paperwork was correct for another feeling of comfort for us. Great company to work with and highly recommend them!

    Jackelyn B, happy client
  • Kim was always extremely precise and clear when explaining the details of my mortgage options. Perhaps, the most impressive aspect of my experience with Ruoff was the timely feedback I received from Kim while corresponding throughout the process.

    Cameron S, happy client
  • Communication was excellent, it knocked my socks off. Kim was beyond knowledgeable of every aspect of our mortgage and purchase as a whole. She is a go-getter, determined and works her tail off for her clients. I'm so pleased I've already recommended her assistance in refinancing to family member.Wwe are beyond grateful for everything.

    Shannon T, happy client
  • Kim worked with us after hours and on the weekend. She gave us great customer service and you just don't see that very often these days! She went above and beyond. I would definitely send anyone looking to purchase a new home to Kim Arnos!

    Rachel W, happy client
  • Kim went the extra mile to make sure everything was done the right way could not have asked for a better experience

    Todd R, happy client
  • We appreciated the way Kim was proactive in taking care of every detail for us and looked out for our interests every step of the way. Because we haven't purchased a home in over 40 years, it was an experience we were unfamiliar with, and she saw us through uncharted territory.

    Bruce and Deb M, happy client
  • Kim Arnos is the best loan officer and would recommend her to family and friends for sure. She made the whole home buying process a quick and easy process. She given came to our home after we closed on our home to make a personal notice. We love working with Kim.

    Josh B, happy client
  • Kim was very professional and pleasant to work with. There were many hurdles in getting our loan application through and Kim explained all of the issues and worked with us to resolve them. Thank you, Kim!

    Michelle S, happy client
  • Kim always kept me updated with where I was in the loan process and took the time to explain things to me to ensure I was comfortable

    Megan L, happy client
  • Kim did a great job! We were creating this contract over 500 miles apart, and every phone call, email, or text was responded to quickly, which made us more at ease.

    Bonnie C, happy client
  • Kim and staff made us feel supported with genuine concern and really wanting to give us the best experience possible. Kim answered every question ( and there were a lot) even if it took getting back to us with the answer. The expertise and efficiency were impressive and soooo refreshing. We felt safe in doing business with Ruoff.

    Steven and Susan L, happy client
  • Every issue that popped up was resolved and taken care of in a quick manner. It seemed very smooth to me as the customer, but I know there was a lot of work behind the scenes. Greatly appreciated!!!

    Joe H, 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 260.705.5450 or message me below!

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