
Nick Staker
Senior Loan Officer
NMLS: 146802 | KY: MC902748 | OH: MLO-OH.146802
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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Customer Satisfaction Score.


Awards
19
Years of helping homeowners like you.
Proudly serving Indiana, Kentucky, Michigan, Ohio
Meet our happy homeowners***
View All TestimonialsA 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.

President's Club
2x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
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.


My Latest Blogs
Rent vs Buy in 2026: Crunching the Numbers on Mortgage Rates in Fort Wayne
Aug 28, 2026
Mortgage rates have shifted recently, and that single fact has turned the rent-versus-buy conversation into a full-blown Fort Wayne debate. Whether you’re eyeing a bungalow near the Three Rivers or a newer build on the southwest side, the math matters more than ever. The good news? You don’t need a finance degree or a crystal ball—just a clear head and a willingness to laugh at the ridiculous parts.
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How to Win in a Competitive Market Without Overpaying on Mortgage Rates
Aug 27, 2026
Huntertown, Indiana has seen steady interest from homebuyers who value its small-town feel and easy access to Fort Wayne. When the market heats up, many worry that rising competition will push them into paying more than they should, especially as mortgage rates shift with broader economic trends. The good news is that smart preparation and the right local guidance can help you stay in control.
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Should You Buy Now or Wait for Lower Mortgage Rates in 2026?
Aug 26, 2026
Mortgage rates have shifted recently, leaving many Fort Wayne homebuyers wondering whether to move forward now or hold out for better conditions next year. The decision feels personal because it touches your monthly budget, long-term goals, and how comfortable you feel with the current market. Here in northeast Indiana, local inventory and neighborhood trends add another layer to the conversation.
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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.*



