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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.

Thank you for
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
Please complete all fields.
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Picture of Mike O'Donnell
Picture of Mike O'Donnell

Hi, I'm Mike!

Senior Loan Officer

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

95.00% Customer Satisfaction Rating

Hi, I'm Mike!

Senior Loan Officer

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

95.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

As a Senior Loan Officer with Ruoff Mortgage, I help people find the right loan to be able to meet their homeownership and refinance goals. With over 2 decades of experience in finance and as a certified Dave Ramsey Financial Coach, I gather data and create relationships to guide my clients towards the best strategy for their specific situation. With a family myself, I understand that nothing is ever perfect, but when we work together we will get to the best outcome.

In my spare time, I like bowling, playing poker and hosting BBQs. My wife, daughter and I enjoy bicycling, swimming, hiking, and traveling to new and fun places. Life is short: spend your time helping others and enjoying the little things.

Every day, I look forward to helping my clients plan, purchase, or refinance the home they are after. I am particularly proud to have so many mortgage experts at Ruoff willing to help wherever and whenever needed to ensure all of our clients get the most up-to-date information available. The best advice I can give people looking to purchase or refinance their home is know their numbers: everything from their credit scores to what they’re comfortable paying every month.

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 assigned to our refi through the internet. He worked very hard to accommodate us throughout the process. He drove to Carmel IN on two occasions so we wouldn't have to go out of our way to drive to his office. We went above and beyond and we would definitely recommend him to our family and friends.

    Jean C, happy client
  • Everything was done excellent from start to finish.

    LaMonica S, happy client
  • The communication was the best!! Michael did a great job keeping us in the loop about where we were, what was expected, and what we still needed to do!

    Dian H, happy client
  • Mike O'Donnell is the best. He made things happen when others couldn't.

    Cassandra B, happy client
  • Michael was on top of the process all the way. He kept us well informed.

    Lucinda J, happy client
  • Michael was absolutely outstanding to work with and stood far above agents from other mortgage firms I have worked with in the past. I would refer friends and family to him in a heartbeat. The technology Ruoff uses was also helpful in making your company stand above the pack.

    Aaron B, happy client
  • The best part was working with Mike O'Donnell - he was great, very quick to respond every time, and really knows his stuff. I liked the web portal too, it was easy to navigate, see where the process stood, and to e-sign documents.

    Carl F, happy client
  • Mike O'Donnell was so understanding and patient with all my questions and I had a lot. He made sure I understood everything and eased any worries I had.

    Terry L, happy client
  • Communication was excellent. Mike always responded to our questions in a very timely fashion. The process was very good and quick. We were very impressed with Mike.

    Paul P, 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 317.657.3827 or message me below!

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