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What is your goal?


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.

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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 Scott Kieffner
Picture of Scott Kieffner

Hi, I'm Scott!

Senior Loan Officer

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

97.20% Customer Satisfaction Rating

Hi, I'm Scott!

Senior Loan Officer

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

97.20% 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.


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

  • Scott was amazing to work with. As out of state buyers, one of the biggest worries my wife and I had was being able to find good people who we could trust to be in our corner. Scott was referred to us by our realtor, and I'm so glad we made the decision to proceed with Ruoff. From the beginning phone calls, Scott was responsive, knowledgeable, and willing to do whatever it took to provide us with excellent service. He gave up time on vacations, nights, and weekends to help us with any questions and to get us to close, which far exceeded our expectations. My wife and I are grateful for our experience with Ruoff, and wouldn't have our new home without it!

    Nicholas M, happy client
  • Everything was perfect. This was the second house that I have purchased with the help of Scott.

    Rodney E, happy client
  • I called Scott at very weird hours and he always picked up, he was upfront and honest about timing and made the process super easy.

    Alexis P, happy client
  • Scott is a true professional! He treats you as if you are his only client! Always ready to assist with a question or concern, even well after normal business hours!

    Ronald F, happy client
  • Scott and his team were very personable and bent over backward to make it work for us! We were an out of state buyer, and Scott took the time to meet us personally on a weekend visit to town when it was most convenient for us. We really appreciated that!

    Kristina H, happy client
  • My husband and I were first-time home buyers and had a lot of questions. Some of those more than likely had fairly obvious answers but Scott answered them anyway. He explained everything in a way my husband and I could easily understand what was happening or going to happen with the loan process. Scott gave us a great realtor to work with and together they helped us get our first home.

    Samantha J, happy client
  • I am completely new to the process of buying a home, and Scott did an amazing job walking me through the process with patience and made me feel like he truly cared for how the outcome would affect me. He felt like a father figure throughout the process!

    Bridget S, happy client
  • I loved the quick responses to all questions we've had and how easy and quick the process was. Scott helped, walk us through the entire process in the purchase of our first home and we couldn't be more satisfied!

    Mason T, happy client
  • This is the 2nd time we used Scott. He is great to work with and knowledgeable. During this COVID 19 pandemic, so much is unknown. Scott adapted and guided us through this process.

    Christopher C, happy client
  • Scott did not hesitate to tell me the type of loan I was originally applying for wasn't viable for months that I didn't have. I had previously worked with another lender, and he stopped answering my messages and calls when it became apparent that I wasn't a candidate for USDA financing. Scott was willing to work with me at all hours and explain things so that a first-time home buyer could understand. Lastly he has kept me informed on what to do in the future to refinance my loan to a better rate.

    Jeremy S, happy client
  • Scott was great throughout the entire process!! He was on top of everything and kept us informed as to what was happening and when.

    Shannon W, happy client
  • Scott K. is an incredible mortgage loan officer. We feel so lucky to have been connected with Scott. He helped us secure our "forever" home and a year later, secured a better interest rate for a VA refinance! Scott kept us on task the entire process and followed through with everything that needed to be done.

    April S, happy client
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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 812.320.2605 or message me below!

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