When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Linda Riley | Mortgage Loan Officer

Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Linda Riley

Senior Loan Officer

NMLS: 234665 | OH: MLO-OH.234665

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio

Apply Now Call Linda

97.86%

Customer Satisfaction Score.

Awards

Proudly serving Indiana, Kansas, Ohio, Tennessee

Meet our happy homeowners***

View All Testimonials

Lucia T.

Ligonier, IN, Sep 4, 2026, 1:49 PM

5.0

Fast and easy

Staci L L.

Milford, IN, Aug 9, 2026, 4:25 PM

5.0

Linda Riley took the time to listen and walk me through the process. She is a 10/10

FREDERICK R. J.

Bloomington, IN, Aug 5, 2026, 4:29 PM

5.0

Job well done

Jason M C.

Warsaw, IN, Jul 22, 2026, 6:30 PM

5.0

Clear communication and how quickly the process

Larry S V.

Fulton, IN, Jun 6, 2023, 12:21 AM

5.0

Awesome experience. If I ever buy another home. It will be with Linda and Ruoff. Thanks so very much.

MARIANNE A E.

Rochester, IN, Jun 9, 2023, 4:34 PM

5.0

Happy customer, been coming back.

Lucia T.

Ligonier, IN, Sep 4, 2026, 1:49 PM

5.0

Fast and easy

Staci L L.

Milford, IN, Aug 9, 2026, 4:25 PM

5.0

Linda Riley took the time to listen and walk me through the process. She is a 10/10

FREDERICK R. J.

Bloomington, IN, Aug 5, 2026, 4:29 PM

5.0

Job well done

Jason M C.

Warsaw, IN, Jul 22, 2026, 6:30 PM

5.0

Clear communication and how quickly the process

Larry S V.

Fulton, IN, Jun 6, 2023, 12:21 AM

5.0

Awesome experience. If I ever buy another home. It will be with Linda and Ruoff. Thanks so very much.

MARIANNE A E.

Rochester, IN, Jun 9, 2023, 4:34 PM

5.0

Happy customer, been coming back.

DANIEL B C.

Middlebury, IN, Jun 9, 2023, 8:34 PM

5.0

Linda was very quick and efficient and infornmative along the entire process !

Richard A G.

SYRACUSE, IN, Jun 16, 2023, 1:21 PM

5.0

Linda was an absolute dream to work with. She was responsive, knowledgeable, and over the top friendly when bombarded with a million questions.

TODD J J.

New Paris, IN, Jun 26, 2023, 6:54 PM

5.0

Linda has helped us with two mortgages and a refinance and has always been an absolute pleasure to work with. She is very knowledgeable, a great communicator, and truly cares about the people that she is working with.

Patrick P.

Feb 18, 2023, 12:02 PM

5.0

The entire procesz and all involved were great to work with. Linda was fantastic and I was impreesed with the Loan Butler app and its assistance throughout the process.

JASMINE A.

Apr 2, 2023, 10:07 AM

5.0

I really loved being able to use loan Butler. Being able to upload documents on my own time and see a visual of everything that needed attention made the process so much easier to navigate.

Michele G.

May 15, 2023, 8:04 AM

5.0

Linda was wonderful and answered all our questions. Very patient.

MICHAEL L S.

Clearwater, FL, Jul 24, 2023, 4:10 PM

5.0

Linda is the best!

DANIEL B C.

Middlebury, IN, Jun 9, 2023, 8:34 PM

5.0

Linda was very quick and efficient and infornmative along the entire process !

Richard A G.

SYRACUSE, IN, Jun 16, 2023, 1:21 PM

5.0

Linda was an absolute dream to work with. She was responsive, knowledgeable, and over the top friendly when bombarded with a million questions.

TODD J J.

New Paris, IN, Jun 26, 2023, 6:54 PM

5.0

Patrick P.

Feb 18, 2023, 12:02 PM

5.0

The entire procesz and all involved were great to work with. Linda was fantastic and I was impreesed with the Loan Butler app and its assistance throughout the process.

JASMINE A.

Apr 2, 2023, 10:07 AM

5.0

I really loved being able to use loan Butler. Being able to upload documents on my own time and see a visual of everything that needed attention made the process so much easier to navigate.

Michele G.

May 15, 2023, 8:04 AM

5.0

Linda was wonderful and answered all our questions. Very patient.

MICHAEL L S.

Clearwater, FL, Jul 24, 2023, 4:10 PM

5.0

Linda is the best!

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Property Tax

/mo.

Homeowners Insurance

/mo.

HOA Fees

/mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

A Bit About Me

My mission is to guide homebuyers and homeowners at every step with experience and commitment so they can achieve their goals and move into their homes with confidence. At Ruoff Mortgage, I partner my clients with the right product to fit their needs. Why not work with a professional who will make your dream of homeownership come true? I started my career at a local bank and moved into the mortgage industry in 2004. I have been with Ruoff almost two decades and continue to educate myself on updates including guidelines and regulations in the mortgage industry. I am also a continuous winner of the President’s Club with Ruoff and am honored to be a part of the Scotsman Guide’s list of Top Mortgage Lenders.

Awards & Achievements

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

President's Club

4x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

42

Years of helping homeowners like you

15 DAY

Average Clear to Close**

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Meet our happy homeowners***

Review 1

Review 2

Review 3

Review 4

Review 5

Review 6

Review 1

Review 2

Review 3

Review 4

Review 5

Review 6

Review 7

Review 8

Review 9

Review 10

Review 11

Review 12

Review 13

Review 7

Review 8

Review 9

Review 10

Review 11

Review 12

Review 13

Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

Experience the Ruoff Advantage

42

15 DAY

98.5%

42

15 DAY

98.5%