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Kim Melton | NMLS: 448895 | KY: MC830078 | OH: MLO-OH.448895

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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 2019
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.

Refinance

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

  • Review 1

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    It was just really easy and Kim kept everything clear.

    Griffin L S.

    SEYMOUR, IN, December 29th, 2025 10:39 AM

  • Review 2

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    Kim is amazing and great to work with. I have bought many homes with Kim and will always work with her in the future.

    Shane Michael Lee W.

    New Albany, IN, December 27th, 2025 03:06 PM

  • Review 3

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    Quick thorough responses, friendly attitudes, very helpful.

    Brock H.

    New Albany, IN, December 17th, 2025 11:02 AM

  • Review 4

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    The amazing service and responsiveness

    Matthew C.

    Crothersville, IN, December 10th, 2025 11:01 AM

  • Review 5

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    I highly recommend Kim with Ruoff mortgage.

    Rebecca L B.

    CROTHERSVILLE, IN, November 28th, 2025 11:09 AM

  • Review 6

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    Kim Melton She was abs amazing to work with and she always was willing to help and answer phone calls .

    Katie W.

    Georgetown, IN, November 18th, 2025 11:13 AM

  • Review 7

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    Everything went so quickly and was explained perfectly

    Teresa G V.

    Sellersburg, IN, November 17th, 2025 04:50 PM

  • Review 8

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    Kim was absolutely wonderful to work with!! I will definitely be recommending her to anyone I know that needs a great mortgage lady for their home process!! Ruoff is also wonderful. Thank you Kim for being so patient, kind and supportive 🩷

    Addison M B.

    Sellersburg, IN, November 3rd, 2025 06:33 PM

  • Review 9

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    Very clear communication & went above & beyond to handle every obstacle that showed up & made the experience as painless as possible.

    James F.

    JEFFERSONVILLE, IN, November 2nd, 2025 12:59 PM

  • Review 10

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    Kim and her team are hands down the best. Years ago I tried to work with another company who took weeks to respond. Kim and her team responded within minutea. With this being my first time purchasing a home, I was anxious to start. Kim was there to answer every single question I had and prettt often put my mind at ease. On top of the excellent service provided, she's a genuinely good person and great to talk to when you're nervous about next steps. I would and do recommend Kim to all family/friends looking to start the homebuying process soon!

    Aaron M.

    Sellersburg, IN, October 6th, 2025 09:50 PM

  • Review 11

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    My realiter recommended I should call Nick due to the morgage company we was working with for 7 months was giving us the run around. Nick had this house closed in less then 3 weeks! Nick and his team was top notch!! I enjoyed working with them!!

    Anissa G C.

    Hartsville, IN, September 9th, 2025 11:11 AM

  • Review 12

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    I have purchsed many house and this time was the most seemless and quick loan process and purchase !

    Joshua S C.

    Corydon, IN, September 8th, 2025 09:13 AM

  • Review 13

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    From a personal standpoint, i think communication could be better. for me, if i know when you know, i can handle accordingly. I do feel like we kind of wasted a couple weeks which put unnecessary precedent on the loan process. Every person and every situation is different. this is not my expertise so I am in no position to say how things should operate, but from a personal standpoint, more precise and clearer communication early on would be amazing.

    Kameron G.

    JEFFERSONVILLE, IN, September 2nd, 2025 11:08 AM

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Why should you choose Ruoff?

65

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

41

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2024 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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