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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
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Picture of Michael Bruns
Picture of Michael Bruns

Hi, I'm Michael!

Senior Loan Officer

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

99.40% Customer Satisfaction Rating

Hi, I'm Michael!

Senior Loan Officer

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

99.40% Customer Satisfaction Rating

Let me help you get pre-approved today!

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
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

  • Michael was recommended to me by my dad, who used to work with Michael early in his career and who my dad knew was ambitious and worked hard to become very knowledgeable. Michael sent me the occasional text to see where we were in getting our house (over a year-long process) and then supported us all along the way to keep our closing on track. We had to close in very little time and he made it happen without complaint. I could not have been paired with anyone better and will refer him to everyone I know.

    Adrianna , happy client
  • Michael was very helpful throughout our mortgage process. He was very quick to provide us with information and was always available when we had questions or concerns. Our process began as our country was dealing with the beginnings of the Covid pandemic, but everything moved along successfully and Michael ensured that we were able to sign most documents electronically to avoid person-to-person contact. We would highly recommend Michael and Ruoff Mortgage.

    Lori W, happy client
  • Having been through this process with other companies in the past, we had no idea it could be this simple, straightforward, and enjoyable! Can a mortgage process be enjoyable? It totally was and we could not say enough about how great Michael was to work with! There will be no other choice when/if we need to do this process again in the future, and we won't recommend anybody else to friends/family who need a mortgage.

    Levi S, happy client
  • I had a lot of questions as this was a first for me, and Michael was always ready to pick up the phone and help me out when I needed it! He made everything easy and as stress as free as possible.

    Brianna C, happy client
  • Michael was a fantastic communicator. He replied to questions of mine even on weekends or evenings. The Loan Butler feature is great- you aren’t left wondering where you are as to the status of the loan.

    Christina K, happy client
  • Everyone that we worked with was very helpful and informative. Michael Bruns made sure that we fully understood every step of the process. He went above and beyond with video messages and answered all the random questions we had quickly and with enthusiasm. I would highly recommend him for any first time home buyers or anyone else for that matter.

    Tyler C, happy client
  • Michael was the best. Friendly funny and on his A game always. He was the best

    Jana K, happy client
  • Michael was very professional and always answered any questions or concerns that I had right away. He made my homebuying experience very pleasant.

    April G, happy client
  • Our process was really fast. Michael got us pre-approved quickly enough so when a house was perfect for us, we could confidently make an offer. Once the offer was accepted, the whole team carried us through to the closing table in 3 weeks!

    Samantha C, happy client
  • From start to finish it was a wonderful experience and I learned so much!

    Sissy W, happy client
  • We went through the homebuying experience during stay-at-home orders. A majority of the paperwork was completed through Loan Butler. The system was very easy to use and provided us with a visual of the progress of our loan. We were afraid that the pandemic would affect our ability to close, but everything moved smoothly and on time. Michael was very helpful and always available to answer questions.

    Lori W, 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 260.316.7890 or message me below!

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