
Kim Melton
Senior Loan Officer
NMLS: 448895 | KY: MC830078
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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Proudly serving Florida, Indiana, Kentucky
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A Bit About Me
At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way. As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.
Awards & Achievements

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
4x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
My Latest Blogs
First time Home Buyers Can Get Pre-Approved: What We Really Look For
Aug 12, 2026
How Harrison, Clark and Floyd County First time Home Buyers Can Get Pre-Approved: What We Really Look For
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Programs That Help You Get Into a Home With Less Cash Up Front
Aug 4, 2026
Harrison, Clark and Floyd County First Time Home Buyers: Programs That Help You Get Into a Home With Less Cash Up Front
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Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*



