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What is your goal?

Purchase

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
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Picture of Patty Ross
Picture of Patty Ross

Hi, I'm Patty!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Hi, I'm Patty!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

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.
Get Started

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

  • There aren't adequate words to describe how truly amazing Patty was! I am rarely 1000% impressed with service in any field (& I'm a horrible customer due to several chronic illnesses) so please know what a gem you have in Patty! I seriously couldn't have done this without her empathy, dedication, communication, knowledge & professionalism. Patty genuinely cares about her job & her clients, it shows in her willingness to go above & beyond. My parents cannot stop talking about how impressed they are with Patty after working with her as well. You don't often come across the kind of person & employee like Patty so I hope my survey reaches the highest levels within Ruoff Morgage. Thank you to everyone who played a part in making this refinance happen for me!

    Kelly S, happy client
  • Everyone in the office was absolutely professional and pleasant to work with and it made the entire process very easy. I would not hesitate to recommend Ruoff Mortgage to any of my family and friends.

    Deborah W, happy client
  • Patty was wonderful to work with and was able to turn our loan around very quickly. She had us ready to close in just a couple of weeks and made the process super simple.

    Chelsea S, happy client
  • We refinanced our Lakehouse. The process was quick and easy. Patty is so knowledgeable and conscientious. She communicated with us throughout the entire process. She made us her top priority.

    Laura D, happy client
  • I have refinanced my Kentucky home four times now with Patty Ross. She helped us navigate very troubled waters with this refi during a pandemic. Ruoff has no idea how lucky, very lucky they are to have her.

    Ryan B, happy client
  • Patty was amazing from the moment I called her. I fully understood the process as well as the numbers. The website was very easy to navigate and the entire experience was painless. At a time of juggling kids and jobs and stress, we needed this to be simple and it was.

    Julie W, happy client
  • I have been through multiple closing this year, actually I was going through a probate situation at the same time I decided to refinance my home with Patty. And the only reason I went through with it was that I knew it would be quick and easy and it was. Just a couple of calls and emails and she told me what she needed. The emails kept me up to date with what was going on and I was done. I wish all my closings this year were this easy.

    James R, happy client
  • Patty was knowledgeable about all aspects of purchasing and selling at home. She explained everything thoroughly and I felt 100% comfortable with interesting her and my financial needs.

    Melinda M, happy client
  • Patty was outstanding. Her quick and complete action solidified our rate and she made the refinancing process seamless. She checked on the progress and communicated frequently with us, even in the evenings, so we were assured all was well. When the time for closing came, she made the altered-due-to-COVID process easy to navigate and had everything complete in record time. We were shocked at how quickly and smoothly everything went. Patty was a fantastic asset and is an integral, knowledgeable, and pleasant addition to your team. We recommended her to friends who then used her to refinance their home as well. We were very pleased with Patty and the entire process.

    Laura R, happy client
  • I helped my sister Linda with her refinance. Patty was amazing and so accommodating and easy to work with. She communicated with both Linda and myself throughout the process, as Linda was uncomfortable with the technology and understanding of it. She went above and beyond to explain all steps thoroughly. I would not hesitate to recommend Patty to friends and family.

    Linda P, happy client
  • Everything went through smoothly. We kept having to push things off because our house is a new construction and it wasn't done when we were promised and Patty made the whole situation so much easier.

    Sarah G, happy client
  • I cannot say enough about how great our experience was with Patty! In the middle of this process we had a family health emergency. I am so thankful that Patty made our mortgage process absolutely stress free! With other mortgage brokers I would have had to constantly check the progress of our loan, not with Patty. She answered questions before I even had them. Her communication with me was stellar! I would highly recommend Patty to all of our family and friends, she did an outstanding job and provided the highest customer service I have ever experienced during a mortgage process!

    Brent P, happy client
See More

Why should you choose Ruoff?

76

Branches throughout
the US.

98.2%

Customer Satisfaction Score according to Customerville.

17

Days or less average
clear-to-close.

38

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

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 502.235.4123 or message me below!

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