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Rick

Rick Ervin

SVP | Area Manager

NMLS: 169457

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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Proudly serving Michigan

Meet our happy homeowners***

View All Testimonials

Review 1

Michael L.

Shepherd, MI, Jun 10, 2025, 1:10 PM

5.0

Everyone I worked with was professional and polite. They worked very hard as a team to accomplish what I was requesting. The entire process was well organized, fast, and stress free.

Review 2

Taylor Anne E.

Mount Pleasant, MI, Nov 3, 2026, 4:39 PM

5.0

Rick went above and beyond for us throughout the entire home buying process. He was on top of all items we needed to be aware of and helped us to make the best decisions for us long term along the way. He was able to get us even better rates and closing costs than we anticipated and we couldn't be more grateful for his help with buying our first home!

Review 3

Matthew W.

Mount Pleasant, MI, Jan 1, 2021, 5:17 PM

5.0

Rick and the entire Mt Pleasant team are great.

Review 4

Matthew S.

Lake Isabella, MI, Jan 16, 2021, 5:55 PM

5.0

This is the second time I’ve done the mortgage process through Rick. Rick and his team are very professional and responsive throughout the mortgage experience. I wouldn’t do business with anyone else and highly recommended Academy mortgage to anyone looking for a enjoyable experience while buying or refinancing a home.

Review 5

Travis W.

Mount Pleasant, MI, Feb 20, 2020, 1:49 PM

5.0

Rick and his team were super easy to get in contact with if I had any questions, I got to meet with them before I even had a house in mind and Rick was able to explain the process we would go through and really helped my understanding of purchasing a home. As a first time home buyer they made the process smooth and easy for me.

Review 6

Patrick D.

Harrison, MI, May 11, 2020, 5:38 PM

5.0

Quick response and very knowledgeable. Top notch service.

Review 1

Michael L.

Shepherd, MI, Jun 10, 2025, 1:10 PM

5.0

Everyone I worked with was professional and polite. They worked very hard as a team to accomplish what I was requesting. The entire process was well organized, fast, and stress free.

Review 2

Taylor Anne E.

Mount Pleasant, MI, Nov 3, 2026, 4:39 PM

5.0

Rick went above and beyond for us throughout the entire home buying process. He was on top of all items we needed to be aware of and helped us to make the best decisions for us long term along the way. He was able to get us even better rates and closing costs than we anticipated and we couldn't be more grateful for his help with buying our first home!

Review 3

Matthew W.

Mount Pleasant, MI, Jan 1, 2021, 5:17 PM

5.0

Rick and the entire Mt Pleasant team are great.

Review 4

Matthew S.

Lake Isabella, MI, Jan 16, 2021, 5:55 PM

5.0

This is the second time I’ve done the mortgage process through Rick. Rick and his team are very professional and responsive throughout the mortgage experience. I wouldn’t do business with anyone else and highly recommended Academy mortgage to anyone looking for a enjoyable experience while buying or refinancing a home.

Review 5

Travis W.

Mount Pleasant, MI, Feb 20, 2020, 1:49 PM

5.0

Rick and his team were super easy to get in contact with if I had any questions, I got to meet with them before I even had a house in mind and Rick was able to explain the process we would go through and really helped my understanding of purchasing a home. As a first time home buyer they made the process smooth and easy for me.

Review 6

Patrick D.

Harrison, MI, May 11, 2020, 5:38 PM

5.0

Quick response and very knowledgeable. Top notch service.

Review 7

Philip G.

Vestaburg, MI, Feb 28, 2020, 2:49 PM

5.0

service was great

Review 8

Peyton P.

Sanford, MI, Mar 5, 2020, 6:16 PM

5.0

Your entire team is EXCELLENT! Thank you for all you do!!

Review 9

Aaron S.

Clare, MI, Mar 2, 2020, 3:02 PM

5.0

I absolutely loved working with academy. Their knowledge and expertise throughout the process, made buying a home for the first time so easy and simple. I would 110% recommend anyone looking for a home to go with Rick and his team. Can't thank then enough for everything they did for us in this process. 10 out of 5 stars!!

Review 10

Ryan G.

Mount Pleasant, MI, Feb 28, 2020, 1:37 AM

5.0

We had a very unusual situation, the staff was very patient and supportive, and went above and beyond to Expedite our needs to give my family a home

Review 11

Lisa S.

Mt Pleasant, MI, May 7, 2020, 7:02 PM

5.0

Rick was kind, informed, and prompt. He communicated often and is very personable, as were other team members involved in our loan.

Review 12

Lauren M.

Alma, MI, Mar 30, 2020, 4:29 PM

5.0

We are first time homebuyers and they made sure that we understood everything with the loan and answered any questions that we had. Due to our work hours, they met with us after their hours when we had a bunch of questions. They were very helpful every step of the way. Thank you so much for helping us buy our first home :)

Review 13

Jason B.

Alma, MI, Apr 17, 2020, 5:14 PM

5.0

Great team and great experience!!

Review 7

Philip G.

Vestaburg, MI, Feb 28, 2020, 2:49 PM

5.0

service was great

Review 8

Peyton P.

Sanford, MI, Mar 5, 2020, 6:16 PM

5.0

Your entire team is EXCELLENT! Thank you for all you do!!

Review 9

Aaron S.

Clare, MI, Mar 2, 2020, 3:02 PM

5.0

I absolutely loved working with academy. Their knowledge and expertise throughout the process, made buying a home for the first time so easy and simple. I would 110% recommend anyone looking for a home to go with Rick and his team. Can't thank then enough for everything they did for us in this process. 10 out of 5 stars!!

Review 10

Ryan G.

Mount Pleasant, MI, Feb 28, 2020, 1:37 AM

5.0

We had a very unusual situation, the staff was very patient and supportive, and went above and beyond to Expedite our needs to give my family a home

Review 11

Lisa S.

Mt Pleasant, MI, May 7, 2020, 7:02 PM

5.0

Rick was kind, informed, and prompt. He communicated often and is very personable, as were other team members involved in our loan.

Review 12

Lauren M.

Alma, MI, Mar 30, 2020, 4:29 PM

5.0

We are first time homebuyers and they made sure that we understood everything with the loan and answered any questions that we had. Due to our work hours, they met with us after their hours when we had a bunch of questions. They were very helpful every step of the way. Thank you so much for helping us buy our first home :)

Review 13

Jason B.

Alma, MI, Apr 17, 2020, 5:14 PM

5.0

Great team and great experience!!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

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Rick Ervin

A 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.

Father of 7 grown kids, Emily, Tyler, Ben, Molly, Winnona, Maezie, & Wyatt

Grandfather of 7, Henrick, Maren, Briar, Gideon, Delilah, Anderson, & Ernie!

Mastiff dad to Ozzie (English), Nellie and Seger (Cane Corsos)

Frequently Asked, Frequently Answered

Starting with clear, direct answers to the questions that matter most to your future.

A couple looking at a phone smiling.

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence. 

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Have a question we didn't cover?

Ask me directly.

Call Rick

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Michigan

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

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******†††‡Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.