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Picture of Patrick Guibert
Picture of Patrick Guibert

Hi, I'm Patrick!

Senior Loan Officer

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

98.34% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Patrick!

Senior Loan Officer

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

98.34% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
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What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

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

  • Review 1

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    Patrick did an amazing job making my home buying process as smooth as possible. He was available whenever I needed him and went above and beyond. I would highly recommend him and will be going with the Ruoff team again!

    Zachary A Y.

    Rochester, IN, May 30th, 2023 12:32 PM

  • Review 2

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    Smooth and painless.

    Angela Bumbaca S.

    South Bend, IN, July 25th, 2024 11:04 AM

  • Review 3

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    This was my first home and Patrick was able to answer all my questions and help me find ways to save money. He also ran numbers on all the houses I sent him. He responded very quickly and always seemed to be working! I have no clue when he rests but he is amazing!

    Naomi R.

    South Bend, IN, July 1st, 2024 02:24 PM

  • Review 4

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    Ruoff has been excellent to partner with for my loan experience. I would highly recommend it.

    Mary M.

    South Bend, IN, June 27th, 2024 11:22 AM

  • Review 5

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    Awesome people

    Lisa C.

    Knox, IN, June 24th, 2024 11:32 AM

  • Review 6

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    Excellent communication.

    Christopher L.

    Hamlet, IN, June 17th, 2024 11:20 AM

  • Review 7

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    Patrick was very friendly an respectful Referred us to a great realtor which made the buying process easy an fast

    Aaron J.

    Milford, IN, June 2nd, 2024 03:03 PM

  • Review 8

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    We previously worked with Ruoff with a different agent years ago when we purchased our first home. When we started the process for this home, I steered clear of Ruoff because I wasn’t super excited about the process the first time. Patrick ended up joining my networking group and really turned my opinion of Ruoff around. He is incredibly smart, great at what he does, and really gives you all the ins and outs of everything. I have and will recommend Patrick and Ruoff to any friends or family who are looking to purchase a home or need a mortgage.

    Jaime R.

    South Bend, IN, May 31st, 2024 01:29 PM

  • Review 9

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    He was very informing on everything ,know how to answer my questions and help me understand everything he is very knowledgeable and patient. I will definitely be recommend him to everyone I know.

    Helicia M G.

    South Bend, IN, May 25th, 2024 11:08 AM

  • Review 10

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    Patrick was amazing throughout the whole home buying process. He was very knowledgeable & was there every step of the way to answer any questions we had. I would highly recommend Ruoff & Patrick to anyone looking to buy a home!

    Krystle L G.

    Mishawaka, IN, April 29th, 2024 11:24 PM

  • Review 11

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    Organized, prompt and informed at all times throughout the process.

    Matthew A S.

    Lakeville, IN, April 20th, 2024 05:11 PM

  • Review 12

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    Patrick was very knowledgeable and made the whole process smooth

    Andrew Z.

    GOSHEN, IN, March 5th, 2024 06:28 PM

  • Review 13

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    This was a very smooth and well executed process throughout. Even though my unique situation presented some challenges Patrick Guibert helped me work through each one with confidence. I'm very thankful for having been referred to Patrick at Ruoff.

    James D H.

    South Bend, IN, October 24th, 2023 01:39 PM

  • Review 14

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    Patrick was amazing! This is our second home and buying our first home was a nightmare and we had no idea what we were doing. When we were buying this house we decided to go with Ruoff and we were so happy with the experience. Patrick was always available when we needed him and was always so happy to explain things. We appreciated Patrick more than we can express.

    Kaitlyn E H.

    ELKHART, IN, October 16th, 2023 01:47 PM

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Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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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.

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I would love to hear from you!

Call me at 574.286.2996 or message me below!

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