Michael Foland
Senior Loan Officer
NMLS: 503224
Ready to help make your homeownership dreams come true through advocacy, guidance, and education.
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Awards
Proudly serving Indiana
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Loans Designed to Meet Your Individual Needs
Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.


A Bit About Me
At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way. As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.
Awards & Achievements

Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
My Latest Blogs
Help Me Help You With Seller Concessions - Mortgage Moment With Mortgage Mike: Explained
Sep 28, 2026
Understanding Homebuying Seller Concessions When Buying a Home in Kokomo
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Overcoming Homebuying Concerns With Confidence - Mortgage Moment With Mortgage Mike: Explained
Sep 21, 2026
Homebuying Concerns: How to Work Through Financial Worries and Move Forward Confidently
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Mortgage Rate History & Education - Mortgage Moment With Mortgage Mike: Explained
Sep 14, 2026
Mortgage Rate Education: What Shapes Trends for Indiana Homebuyers and Investors
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Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*



