Ruoff Mortgage
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Kim Arnos

Senior Loan Officer

NMLS: 236048

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Kim

99.33%

Customer Satisfaction Score.

Scotsman GuidePresident's Club

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Marah E M.

Roanoke, IN, Nov 25, 2023, 9:34 PM

Kim went over and beyond for us. She respond within minutes when we would send her a message and always kept us in the loop, even when our home was months from being finished. Kim treated us as if we were her own family and was always there to reassure us through this difficult process. Kim kept us informed and we are so happy to have worked with her.

SCOTT M. K.

Fort Wayne, IN, Jul 19, 2026, 10:46 PM

Kim was always friendly and easy to work with. She made the loan process easy to understand for a first time home buyer.

Geoffrey C S.

CHURUBUSCO, IN, Jul 19, 2026, 3:34 PM

Kim Arnos has done an amazing job throughout the loan process. This is the second home purchase I have used Ruoff for, and Kim has never once missed a beat. She is proven to be reliable, trustworthy, honest, upfront and extremely knowledgeable. I wouldn't recommend anyone else!!!

Aaron B.

Fort Wayne, IN, Jul 14, 2026, 10:14 AM

Kim was great! She got us preapproved on a Sunday afternoon. She helped organize all of our documents and did a fantastic job communicating with us keeping us informed throughout the whole process. She also had a great attitude and made the process very easy to understand.

Robert C A.

Fort Wayne, IN, Jul 22, 2023, 4:02 PM

10/10 I couldn’t have asked for a better experience.

Kerry W.

Huntington, IN, Jul 27, 2023, 6:10 PM

Kim was amazing every step of the way. I would highly recommend her to my family and friends.

Alton R M.

Fort Wayne, IN, Jul 31, 2023, 11:37 PM

Follow up and personality

Marah E M.

Roanoke, IN, Nov 25, 2023, 9:34 PM

Kim went over and beyond for us. She respond within minutes when we would send her a message and always kept us in the loop, even when our home was months from being finished. Kim treated us as if we were her own family and was always there to reassure us through this difficult process. Kim kept us informed and we are so happy to have worked with her.

SCOTT M. K.

Fort Wayne, IN, Jul 19, 2026, 10:46 PM

Kim was always friendly and easy to work with. She made the loan process easy to understand for a first time home buyer.

Geoffrey C S.

CHURUBUSCO, IN, Jul 19, 2026, 3:34 PM

Kim Arnos has done an amazing job throughout the loan process. This is the second home purchase I have used Ruoff for, and Kim has never once missed a beat. She is proven to be reliable, trustworthy, honest, upfront and extremely knowledgeable. I wouldn't recommend anyone else!!!

Aaron B.

Fort Wayne, IN, Jul 14, 2026, 10:14 AM

Kim was great! She got us preapproved on a Sunday afternoon. She helped organize all of our documents and did a fantastic job communicating with us keeping us informed throughout the whole process. She also had a great attitude and made the process very easy to understand.

Robert C A.

Fort Wayne, IN, Jul 22, 2023, 4:02 PM

10/10 I couldn’t have asked for a better experience.

Kerry W.

Huntington, IN, Jul 27, 2023, 6:10 PM

Kim was amazing every step of the way. I would highly recommend her to my family and friends.

Alton R M.

Fort Wayne, IN, Jul 31, 2023, 11:37 PM

Follow up and personality

Valerie A M.

Fort Wayne, IN, Aug 14, 2023, 4:17 PM

We were so happy to work with Kim again buying our current home! She was very professional and efficient during the whole process. Thank you so much for your help!

Griffin C Y.

LAOTTO, IN, Aug 14, 2023, 7:02 PM

It didn’t matter what time of day I had questions I could get ahold of Kim or Anicia and she would respond asap and that made us know that we were in good hands and knew that they would have no issue making our experience perfect! If anyone ask me about a mortgage I give them Kim’s info! They did amazing! I

Laurel L. S.

Fort Wayne, IN, Aug 28, 2023, 5:09 PM

Kim and. Anicia were very responsive to questions and solutions. Wonderful to work with and would highly recommend!

Paul M. S.

Fort Wayne, IN, Sep 10, 2023, 8:28 PM

Kim was perfect. Solidified that I made the right choice very early on.

Joseph O M.

Fort Wayne, IN, Sep 29, 2023, 3:03 PM

Kim was AMAZING to work with! Will recommend her to everyone.

jgarcia231997 .

Kendallville, IN, Sep 29, 2023, 10:25 PM

Everything was absolutely perfect!

Tristan S.

Markle, IN, Oct 27, 2023, 4:27 PM

Quick response, and weighed all options!

Valerie A M.

Fort Wayne, IN, Aug 14, 2023, 4:17 PM

We were so happy to work with Kim again buying our current home! She was very professional and efficient during the whole process. Thank you so much for your help!

Griffin C Y.

LAOTTO, IN, Aug 14, 2023, 7:02 PM

It didn’t matter what time of day I had questions I could get ahold of Kim or Anicia and she would respond asap and that made us know that we were in good hands and knew that they would have no issue making our experience perfect! If anyone ask me about a mortgage I give them Kim’s info! They did amazing! I

Laurel L. S.

Fort Wayne, IN, Aug 28, 2023, 5:09 PM

Kim and. Anicia were very responsive to questions and solutions. Wonderful to work with and would highly recommend!

Paul M. S.

Fort Wayne, IN, Sep 10, 2023, 8:28 PM

Kim was perfect. Solidified that I made the right choice very early on.

Joseph O M.

Fort Wayne, IN, Sep 29, 2023, 3:03 PM

Kim was AMAZING to work with! Will recommend her to everyone.

jgarcia231997 .

Kendallville, IN, Sep 29, 2023, 10:25 PM

Everything was absolutely perfect!

Tristan S.

Markle, IN, Oct 27, 2023, 4:27 PM

Quick response, and weighed all options!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Kim Arnos

A Bit About Me

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!

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

President's Club

President's Club

9x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Indiana

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.