I’m honored to serve homebuyers across the entire states of Indiana, Kentucky, Tennessee, and Florida. I’ve helped individuals and families navigate the mortgage process with confidence, clarity, and a steady hand for over 25 years. I offer a wide range of loan programs including FHA, USDA, VA, and Conventional financing. I specialize in first time homebuyers and down payment assistance loans.
Whether you’re purchasing your first home, upgrading, downsizing, building, or refinancing, my team and I provide tailored solutions designed to fit your goals. I understand that buying or refinancing a home can feel overwhelming. I take a hands-on approach, walking you through each step from application to closing with clear communication, expert guidance, and a smooth, efficient process. My goal is to make your experience seamless and stress free while ensuring you feel informed and empowered every step of the way. When you’re ready to take the next step, I’m here to help you move forward with confidence.
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Should You Buy Now or Wait for Lower Rates in 2026?
Apr 9, 2026
First Time Home Buyer Essentials: How to Get Preapproved and What Lenders Really Look For
Mar 26, 2026
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Laura and her team made the entire home buying process smooth and stress-free. Communication was always clear and timely, and every question I had was answered quickly and thoroughly. Laura did a great job explaining each step of the loan process so I always knew what was happening and what to expect next. The professionalism, responsiveness, and willingness to help made a big difference and gave me confidence throughout the process. I truly appreciated how easy she made everything and would absolutely recommend her to anyone looking for a mortgage.
Keaton Austin M.Frankfort, IN, March 8th, 2026 11:32 AM
clear and concise information very helpful pain free experience
Justus G.Frankfort, IN, April 20th, 2026 08:46 PM
very responsive an helpful through the whole process
Tiffany G.Frankfort, IN, April 20th, 2026 12:56 PM
Laura was absolutely amazing to work with. Moves are never simple but this was the easiest part of the entire experience. If we didn't know something, she was not only amazing explaining things to us but also so prompt. I will forever recommend Ruoff and Laura Mullen to anyone I know needing a Loan Officer.
Brittany K.Chesterton, IN, May 5th, 2025 11:18 AM
I was able to talk to them at anytime of the day and ask questions and make sure everything is okay also just grate to work with
Ramsey Dean K.Frankfort, IN, April 8th, 2026 11:04 AM
Everything was quick and smooth!
Timmy H.Greensburg, IN, March 17th, 2026 11:04 AM
Laura was great during the whole process and kept me informed every step of the way. I felt like my situation was difficult but Laura was able to get me pre-approved in a day and closed in a little over a month. It was a smooth, easy process.
Jami Elaine P.Frankfort, IN, March 8th, 2026 11:45 AM
Being consistently transparent and honest proved highly beneficial, as it facilitated openness about all necessary steps to finalize the loan.
Brian Allen P.Frankfort, IN, March 4th, 2026 06:46 AM
Excellent to work with Laura.
Taylor S S.Lafayette, IN, February 18th, 2026 11:04 AM
Laura and her team were great to work with in this process. Laura was amazing at helping us find the best r*te and helping guide us through going through the loan process. This was our second time working with Laura and if we refinance down the road we will work wiht her again!
Sydney E S.Crawfordsville, IN, February 17th, 2026 11:19 AM
Laura was kind, knowledgeable and dedicated! She was so quick to respond even on evenings and weekends. It was just so easy to work with her!
Tenley A.Frankfort, IN, February 17th, 2026 11:05 AM
It was great working with Laura, she made buying my first home easy and made sure I got the best price.
Jordan D.February 6th, 2026 08:27 PM
It was all great.
Trevor J F.Colfax, IN, January 27th, 2026 07:22 PM
Branches throughout
the US.
Customer Satisfaction Score.*
Days or less average
clear-to-close.**
Years of helping
homeowners like you.
Milestones updating you throughout the process.
Minutes at the closing
table on average.
*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:
**
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:
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.