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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.

Thank you for
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 Matthew Harding
Picture of Matthew Harding

Hi, I'm Matthew!

Senior Loan Officer

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

Hi, I'm Matthew!

Senior Loan Officer

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

Let me help you get pre-approved today!

As a Senior Loan Officer with Ruoff Mortgage, I assist borrowers with the mortgage process to secure the right loan to meet their needs. I've been in the mortgage industry for over 20 years, and helping borrowers obtain homeownership is the best part of my job.

Family and friends are very important to me. I get great enjoyment out of helping people, problem-solving, and providing a shoulder to lean on in difficult times. 

In my spare time, I like to get involved with my kids' school activities. I also like watching IU sports, playing golf, and spending time with family and friends. I am a member of the Bloomington and Ellettsville Chambers of Commerce.

At Ruoff, the support, technology, flexibility, and loan options make it possible for me to walk my borrowers through the entire process. The best advice I can give these borrowers is to partner with a loan officer they can trust, who will explain the various loan programs as well as the mortgage process in general.

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!

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 812.320.8209 or message me below!

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