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
Calculate Based on Your Individual Needs
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
DSCR Loans - Mortgage Moment With Mortgage Mike: Explained
Aug 17, 2026
DSCR Loans: A Lesser-Known Path to Real Estate Investing Success
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Government Lending Programs: FHA, VA, and USDA - Mortgage Moment With Mortgage Mike: Explained
Aug 11, 2026
FHA, VA, and USDA Loans: Your Guide to Government Homebuying Programs in Indiana Real Estate
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An Introduction to Ruoff Mortgage - Mortgage Moment With Mortgage Mike: Explained
Aug 4, 2026
Buying a home marks one of life’s biggest milestones, whether you’re stepping into your First Home, upgrading to a Dream Home, or simply finding Your Home that fits your family’s needs. In Howard County, IN and surrounding area, that journey often starts with the right mortgage partner who understands local neighborhoods and real-life goals.
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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.*



