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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.

98.01% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Kym!

Senior Loan Officer

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

98.01% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Whether you're a first-time homebuyer, looking to refinance, or exploring investment opportunities, I am dedicated to providing personalized guidance and exceptional service. Let's embark on this journey together, making your homeownership dreams a reality. 

What sets me apart is my creative approach to problem-solving. I take pride in offering innovative solutions to address credit challenges and financial constraints. My goal is to empower clients with the knowledge and resources they need to make confident decisions about their mortgage options. My extensive background in banking, combined with 11 years in homebuilding and real estate, uniquely positions me to provide valuable insights and tailored solutions in the mortgage industry. 

Beyond the world of finance, my passions include my love for animals, particularly spending quality time with my loyal companion, Edward. As a devoted Chicago Cubs fan, I find joy in supporting my favorite team and connecting with fellow enthusiasts. Outside of work, my husband Brian and I enjoy attending car shows and indulging in the thrill of jet skiing, embracing the spirit of adventure together. 

Feel free to reach out to me to discuss your mortgage needs or simply share your love for animals, sports, or adventure. I look forward to assisting you on your path to financial success and homeownership.

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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*

  • Before coming to Ruoff I had applied a few other times for a mortgage at another company that gave me no information. I was very discouraged and annoyed and truly thought I would never get a loan. As soon as I applied with Ruoff my loan officer Kym Baker was very enthusiastic and that had me excited. She laid out everything for me and explained why I needed to do this or that. I had many hoops to jump through and Kym was there supporting me every step of the way. Even on closing day she was there giving me additional information which was so helpful and made the closing day process a breeze.

    Cali G, 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
  • 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
  • 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 everything go smooth. We had several issues throughout the year long process with realtors and inspection issues and she was the only constant and peace of mind that we had.

    Ondrace W M, happy client
  • Kym Baker did a fantastic job keeping me informed and up to date throughout the entire process. She is very knowledgeable and she shared that knowledge with me frequently and anytime I had specific questions. When my situation was complicated by personal matters she went above and beyond to work with my family to ensure the closing went smoothly. I appreciate her professionalism, knowledge, and dedication.

    Jordan S, happy client
  • Kym was helpful and quick to respond to any questions. Due to being self employed we needed to submit a wide range of financial documents. Kym was helpful in providing clear communication so we were able to provide the items necessary for preapproval and closing.

    Katie R K, happy client
  • Kym made our dream come true! She is a special person! What a class act!

    Timothy W, happy client
  • Communication was the best part. Kym let me know when & what I needed to close. She is awesome and my wife & I will definitely be using her services again.

    Christopher Tracy A, 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
  • As a first time home buyer having problems with another loan company kym came in and took care of everything

    Rose I, happy client
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Why should you choose Ruoff?

71

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

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

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

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.

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I would love to hear from you!

Call me at 574.524.6185 or message me below!

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