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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 Mike Bernhart
Picture of Mike Bernhart

Hi, I'm Mike!

VP Branch Manager

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

98.00% Customer Satisfaction Rating

Hi, I'm Mike!

VP Branch Manager

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

98.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

With 18 years in the mortgage industry and the last 12 as a home mortgage consultant, I know that the purchase of a new home is a major decision. I believe it’s important to always speak with a mortgage consultant you trust, and I strive to communicate honestly and frequently with my customers.

My greatest achievement is graduating magna cum laude from University of Akron with a Bachelor in Business Finance. I like to spend my free time exercising and boating with my family and puppies.

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

  • I'm so happy we were recommended to Mike Bernhart. Buying a house is a big step for any couple, and I can assure you, my hubby and I had a lot of anxiety about the loan process and if we would even be able to get a loan. Enter Mike Bernart. His knowledge and overall happy demeanor eased our anxiety and helped us begin the process with a positive start and finish. He answered all of the questions we had while giving us any additional information we needed. Everything was done in a timely fashion, in the middle of a pandemic! I couldn't have asked for a better loan officer!

    Brandon H, happy client
  • Mike was very responsive to my questions and gave detailed answers that were easy to understand.

    Casey E, happy client
  • Mike Bernhart was very knowledgeable, responsive and a pleasure to work with.

    Larry M, happy client
  • Mike and his team were absolutely wonderful. This process was very quick and efficient because of Mike!

    Kelley C, happy client
  • Mike did an excellent job of keeping me updated on the process and provided up to date information. Mike is very knowledgeable and I would highly recommend him to anyone with mortgage needs.

    Jill S, happy client
  • Easy process and very straight forward. Mike was outstanding to work with. He was very professional and always available.

    Daniel L, happy client
  • Mike was fabulous. Very prompt and very knowledgeable with all our questions.

    Joseph C, happy client
  • Mike was always there when I needed him and took time out of his schedule to answer me back promptly.

    Allan D, happy client
  • I couldn't be more pleased with my home buying experience. I have already recommended Ruoff to several of my contacts.

    Amber L, happy client
  • Honestly, this was a way easier experience than I ever anticipated. I am thankful to have had this company's support during this new season for my husband and me! It was nothing but exceptional!

    Melanie F, happy client
  • We couldn't ask for better. We were treated like there was nobody else in the world. They took extremely good care of us and did all they could to make things go very smoothly.

    William M, happy client
  • Mike Bernhart was very efficient. We had a narrow window to get the closing done, and Mike executed flawlessly. This is the third home I've purchased and by far the easiest and hasslefree experience I've had so far.

    Cory W, happy client

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 (330) 760-9609 or message me below!

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