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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
Please complete all fields.
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Picture of Kym Baker
Picture of Kym Baker

Hi, I'm Kym!

Senior Loan Officer

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

98.40% Customer Satisfaction Rating

Hi, I'm Kym!

Senior Loan Officer

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

98.40% Customer Satisfaction Rating

Let me help you get pre-approved today!

I pride myself in my role at Ruoff Mortgage, which I believe is to help finance the most important investment most people make. I enjoy being a part of a team that works hard to deliver on our promises, with efficiency, respect, great communication, and even a little fun.

"I've learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel." ~Maya Angelou.

I take this quote to heart. My goal is that each family and individual I work with has a smooth, stress free experience; one that they enjoyed and would recommend to their friends and family.

On a personal note: I love to spend time with my dog, Edward and watching the Chicago Cubs. I also like to travel and hope to take an African safari in the future!

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

  • I was told by banks I couldn't refinance because of my income, and wouldn't look any further. You looked at my equity and got it done. I'm widowed and 65. With the help of my daughter and her computer you made it easy to do. Thanks you took stress off my back and gave me peace of mind I can stay in my home.

    Mary Z, happy client
  • I loved the experience. Very easy to communicate with.

    Micah D, happy client
  • Kym is amazing. With us being out of state, it was very easy with her. We highly recommend Ruoff and if you get Kym, you will not be disappointed.

    Brian B, happy client
  • Kym made our dream come true! She is a special person! What a class act!

    Timothy W, happy client
  • Appreciated the Loan Butler and that almost everything could be submitted and completed online. The process was very smooth and very quick with only about 3 weeks start to finish. Kym was great to work with and superb at communicating with us during the entire process.

    Amy S, happy client
  • If this helps. Everything was and went perfect Kym was amazing!

    Greg F, happy client
  • Kym helped refinance my home after others told me no. She was super helpful and replied to my questions quickly and detailed

    Shania D, happy client
  • Kym Baker is very knowledgeable always on time with responses and answers to questions. I would recommend Kym to friends and family without hesitation.

    Brian M, happy client
  • I am a first time home buyer that had PLENTY of questions. Kym helped me through it all very well.

    Kristen C, happy client
  • Kym was amazing from start to finish! So easy to work with!

    Tiffany F, happy client
  • Kym was amazing at explaining the whole mortgage process and had patience with all of my "first time homeowner questions."

    Ashley P, happy client
  • Kym bent over backward to make sure we could close on time! Kym made sure we had the right documents so that there were no delays.

    Michael L, 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 574.524.6185 or message me below!

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