High Contrast:
Get Started
Picture of Scott Hermance
Picture of Scott Hermance

Hi, I'm Scott!

Home Loan Consultant

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

95.08% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Scott!

Home Loan Consultant

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

95.08% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

The mortgage industry has change dramatically over the past few years and it is important to work with someone that that is knowledgeable and current on the laws and programs. I love taking the time to work with my clients to help them with their questions and concerns about purchasing or refinancing their home and finding the best loan product to fit their situation. Your home is your biggest investment and I want to make sure that you’re in the best program to suit you and your family.

As an avid fan of Walt Disney World (I am a Disney World vacation planner and have been to the park 40 times!) I have adopted a personal philosophy from Walt himself: "The way to get started is to quit talking and begin doing." I apply this philosophy to my role at Ruoff, and bring years of experience in the mortgage industry in order to help my customers' homeownership dreams come true.

Here at Ruoff, I am able to offer you a wide variety of products that give you the best access to suit your personal situation. We offer great Conventional, Jumbo, FHA, VA and Construction loans.

Get Started

President's Club Member

President's club seal 2021

What is your goal?

Buy a Home

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.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you*

  • My favorite part of the entire process was communication. Scott was great in answering questions and getting information to us quickly. The same goes for our transaction coordinator, Charity Dishong. She was a pleasure to work with. We had such a positive experience with both Scott and Charity that we are currently entrusting them with another mortgage. Congratulations to your entire team for doing such excellent work!

    Charles H, happy client
  • Scott was very patient with me and answered all my questions, no matter how many times I asked the same question.

    Kelly T, happy client
  • I enjoyed the online experience and felt it was less hassle than expected.

    Gina D, happy client
  • This was my second mortgage with Ruoff and Scott. I also recommended Scott to multiple people including my niece who refinanced her property (with Scott) this past spring. Scott is absolutely wonderful and I have been so pleased with your company and my refi experience.

    Kathleen S, happy client
  • No Problems with anything- Highly recommend Ruoff Mortgage.

    Baxter B, happy client
  • Everyone was terrific!

    Mary D, happy client
  • Scott could not have been better. He went out of his way. He answered our calls even when he was off the clock, weekends included. An incredible asset to any company. Thank you Scott for all you've done.

    Marietta D, happy client
  • You pursued every avenue to ensure we got a loan. It was a smooth transaction and you did everything right. It was awesome.

    Glenford P, happy client
  • I was very impressed with the overall experience. Scott was fabulous in his overall communications and ability to listen to my needs and effectively meet those needs. He was very knowledgeable and I felt very comfortable working with him. This was a really great experience and I absolutely would recommend Ruoff to anyone interested in either a refinance or new mortgage.

    Kathleen S, happy client
  • I want to thank Scott Hermance for all the help he gave me, was great working with and you are lucky you have him.

    Lyle K, happy client
  • Scott knew it was my first time during this process. He was calm, collected, and had every answer to all of my questions. When issues arose, Scott and Kyndra worked promptly to address them.

    Marc M, happy client
  • Scott and Kyndra were wonderful! They were responsive and knowledgeable and kept my mind at ease.

    Lorrie W, happy client
See More

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


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 260.999.6368 or message me below!

Download our !