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Michael Grove

VP | Branch Manager

NMLS: 1037919

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

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Michael

98.96%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Joseph A P.

South Bend, IN, Jul 25, 2026, 3:06 PM

Michael worked tirelessly for us through the entire process. His communication was great, would respnd early in the morning and late at night. He did a great job of explaining everything to us, I highly recommend Michael.

Oleg I.

South Bend, IN, Jul 21, 2026, 11:01 PM

Everything was very professional and on time!

Madeline K.

South Bend, IN, Jul 9, 2026, 6:06 PM

Michael was great to work with! We appreciated his timeliness, prompt texting, clear explanations, and seamless coordination with Loan Butler. This may be a small thing, but if Loan Butler's software is owned by Ruoff (proprietary), it would be great if the title included the name Ruoff somewhere. It was occasionally hard to remember the name of the application to be able to log in if we were at our desktop computers instead of using our mobile phones. Also, we encountered a slightly uncomfortable situation where we didn't realize our co-signers didn't have good credit. Is there a way in future where people can find that information out and then politely have a way to need to find different co-signers? We realize that's a delicate balance in trying to cross the finish line towards closing on a home, but we could have qualified for a better interest rate if we knew how to navigate that with the other parties. Otherwise, we had a wonderful experience and would recommend Michael to anyone looking for a home loan!

Anthony Lamar C.

South Bend, IN, Jul 6, 2026, 4:43 PM

Kwik and ez

Christian M O.

South Bend, IN, Jun 27, 2026, 11:58 AM

👍👍👍👍👍👍👍👍👍👍

Christopher K.

South Bend, IN, Jun 24, 2026, 3:11 PM

Michael Grove from Rouff was outstanding from start to finish. He was professional, knowledgeable, and genuinely cared about making sure everything was done right. He communicated clearly throughout the process, arrived on time, and took the time to answer all of my questions without making me feel rushed. What impressed me most was his attention to detail and commitment to customer service. He went above and beyond to ensure the work was completed properly and that I was completely satisfied with the results. His positive attitude, expertise, and reliability made the entire experience stress-free and enjoyable. It’s rare to find someone who combines technical skill with such excellent customer care. Because of Michael’s dedication and professionalism, my experience was truly excellent, and I would highly recommend him and Rouff to anyone looking for quality service.

Joseph A P.

South Bend, IN, Jul 25, 2026, 3:06 PM

Michael worked tirelessly for us through the entire process. His communication was great, would respnd early in the morning and late at night. He did a great job of explaining everything to us, I highly recommend Michael.

Oleg I.

South Bend, IN, Jul 21, 2026, 11:01 PM

Everything was very professional and on time!

Madeline K.

South Bend, IN, Jul 9, 2026, 6:06 PM

Michael was great to work with! We appreciated his timeliness, prompt texting, clear explanations, and seamless coordination with Loan Butler. This may be a small thing, but if Loan Butler's software is owned by Ruoff (proprietary), it would be great if the title included the name Ruoff somewhere. It was occasionally hard to remember the name of the application to be able to log in if we were at our desktop computers instead of using our mobile phones. Also, we encountered a slightly uncomfortable situation where we didn't realize our co-signers didn't have good credit. Is there a way in future where people can find that information out and then politely have a way to need to find different co-signers? We realize that's a delicate balance in trying to cross the finish line towards closing on a home, but we could have qualified for a better interest rate if we knew how to navigate that with the other parties. Otherwise, we had a wonderful experience and would recommend Michael to anyone looking for a home loan!

Anthony Lamar C.

South Bend, IN, Jul 6, 2026, 4:43 PM

Kwik and ez

Christian M O.

South Bend, IN, Jun 27, 2026, 11:58 AM

👍👍👍👍👍👍👍👍👍👍

Christopher K.

South Bend, IN, Jun 24, 2026, 3:11 PM

Michael Grove from Rouff was outstanding from start to finish. He was professional, knowledgeable, and genuinely cared about making sure everything was done right. He communicated clearly throughout the process, arrived on time, and took the time to answer all of my questions without making me feel rushed. What impressed me most was his attention to detail and commitment to customer service. He went above and beyond to ensure the work was completed properly and that I was completely satisfied with the results. His positive attitude, expertise, and reliability made the entire experience stress-free and enjoyable. It’s rare to find someone who combines technical skill with such excellent customer care. Because of Michael’s dedication and professionalism, my experience was truly excellent, and I would highly recommend him and Rouff to anyone looking for quality service.

Benjamin Dante' C.

Elkhart, IN, Jun 23, 2026, 4:35 PM

We will always recommend Michael to all of our friends and family. He made the process so smooth and was always available for our questions. This is our third time working with Michael and we will not go anywhere else. He is truly the best!

Muhammad Rafhan R.

Osceola, IN, Jun 22, 2026, 3:09 PM

excellent communication and friendly welcome .

Fabian C.

Mishawaka, IN, May 29, 2026, 3:07 PM

Made it easy to complete for a guy of my experience with mortgage and devices. Michael Grove all day, every day!

Erin J.

South Bend, IN, May 17, 2026, 7:08 PM

Very clear communication and explanation of process. Stress free process overall.

Audrey Kay V.

South Bend, IN, May 4, 2026, 12:43 PM

For our first home, this was such a great experience and we learned so much from Michael!

Joyce M.

Mishawaka, IN, May 1, 2026, 5:38 PM

Mike was good at working me thru areas on inthe internet that I was not up to par with .

Peter S.

Noblesville, IN, Apr 23, 2026, 5:44 PM

Ease of the process and clear explanations from our loan officer at every step along the process

Benjamin Dante' C.

Elkhart, IN, Jun 23, 2026, 4:35 PM

We will always recommend Michael to all of our friends and family. He made the process so smooth and was always available for our questions. This is our third time working with Michael and we will not go anywhere else. He is truly the best!

Muhammad Rafhan R.

Osceola, IN, Jun 22, 2026, 3:09 PM

excellent communication and friendly welcome .

Fabian C.

Mishawaka, IN, May 29, 2026, 3:07 PM

Made it easy to complete for a guy of my experience with mortgage and devices. Michael Grove all day, every day!

Erin J.

South Bend, IN, May 17, 2026, 7:08 PM

Very clear communication and explanation of process. Stress free process overall.

Audrey Kay V.

South Bend, IN, May 4, 2026, 12:43 PM

For our first home, this was such a great experience and we learned so much from Michael!

Joyce M.

Mishawaka, IN, May 1, 2026, 5:38 PM

Mike was good at working me thru areas on inthe internet that I was not up to par with .

Peter S.

Noblesville, IN, Apr 23, 2026, 5:44 PM

Ease of the process and clear explanations from our loan officer at every step along the process

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Michael Grove

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

Top Mortgage Lenders

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

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*

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

Proudly serving Indiana, Michigan

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.