- About
- Guides
- Reviews
- Calculator
- Contact Me
I will work hard to help you achieve your homeownership goals.
I will work hard to help you achieve your homeownership goals.
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.
Get your house on the market, and look for your next home!
Very knowledgeable and helpful throughout the entire process.
Anthony Weston B.Russell Springs, KY, April 25th, 2025 11:09 AM
Nick was very helpful through the entire process and was always quick to respond to any questions we had along the way. He did a great job!
Shelby Joseph P.LOUISVILLE, KY, March 23rd, 2025 11:03 AM
He made everything easy and I didn't have to worry about anything he was on top of everything.
Christian D. W.Somerset, KY, March 23rd, 2025 11:19 AM
Nick is awesome! He definitely went above and beyond for us. I can't say enough about his character and work ethic, always there to answer any questions big or small. Definitely our loan officer for life.
John Paul M.Shepherdsville, KY, March 7th, 2025 12:10 PM
As a Realtor, I am discerning of lenders to recommend to my clients. Nick is top on my list because he responds quickly, is highly informative, fully transparent, and works in the best interest of my clients.
Andy B.Harrodsburg, KY, March 12th, 2022 12:33 PM
The hard work to move forward every step of the way!
Zachary Andrew C.Richmond, KY, February 21st, 2022 11:23 AM
Nick is very prompt on answering my questions through every detail of this process. With every email he would send, he would also call to ensure that I understand the details of the documentations. He would never hesitate to walk me through documents. Nick is very knowledgeable. Throughout the process I had so many questions that Nick ensured that he explained them thoroughly - it really helps to have someone this knowledgeable because you know what to expect on every step that way nothing catches you as the buyer off guard. He is very honest on cost calculations, on documents you need to provide, and general application - at no point did I feel like something was happening without my knowing or my input. He hits home with being a cool guy. This was my first home purchase. I came into this process as very naive and did not know the terminology nor anticipated for the all the costs that go into purchasing. Nick was very patient with me and willing to talk to me on finances, costs, and as we got deeper and deeper into this process I no longer saw him as simply a mortgage lender but as a friend. From this process I am very grateful because not only have I got a good deal but also a friend.
Xhafer R.Winchester, KY, February 24th, 2022 11:33 AM
We were kept informed at every step of the process.
Debbie J.Winchester, KY, February 16th, 2022 09:48 AM
Great Communication, I knew the status of the loan and did not have to worry about a timely closing. We would have actually closed much faster than anticipated, but buyer was out of town. Very pleased with the turnaround time!
Jonathan S.Winchester, KY, February 16th, 2022 09:05 AM
Nick was communicated well during the transaction period.
Julie M T.Lexington, KY, November 2nd, 2021 12:17 PM
Nick is very professional and knowledgeable. Always gets back to you in a timely manner, and has answers to to any questions or concerns you may have. Overall he is friendly and made it a very easy experience.
Brandy Wine R.Georgetown, KY, October 16th, 2021 04:58 PM
Made every run smoothly even when we were down to the wire. Highly recommend Nick!!
Shannon Rene D.Cynthiana, KY, October 2nd, 2021 11:52 AM
The help with questions and just getting it done so quickly when we hit some road bumps.
Jesse Raymond S.Cynthiana, KY, October 10th, 2021 11:03 AM
Branches throughout
the US.
Customer Satisfaction Score.*
Days or less average
clear-to-close.**
Years of helping
homeowners like you.
Milestones updating you throughout the process.
Minutes at the closing
table on average.
*Based on
2024
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:
**
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.
Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit:
http:
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.