When will I know my mortgage rate?

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.

What does a mortgage calculator do?

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.

What credit score do I need to qualify for a mortgage?

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.

What documents do I need to apply for a mortgage?

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.

Scott Kieffner | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Laura C.

Ellettsville, IN, Jun 2, 2026, 1:19 AM

Scott was excellent to work with - friendly, open to all questions, made us feel important, and sacrificed his own time after normal business hours to ease our concerns

Mollie K.

Springville, IN, Apr 10, 2024, 3:11 PM

Scott is knowledgeable with great communication that made the home buying experience less stressful. I would highly recommend him for any home loan needs.

Derek W.

Linton, IN, Jun 30, 2026, 10:35 PM

Scott and his team were fantastic! My experience was great and every question was answered quickly and I was kept up to date every step of the way.

Robert C.

Ellettsville, IN, May 31, 2026, 4:58 PM

Scott was absolutely awesome to work with! He will definitely be our first call if we ever purchase another home. We highly recommend him - he's caring and personable, and answers all questions thoroughly no matter how simple they seem.

Corey E A.

Bedford, IN, May 4, 2026, 3:23 PM

The entire process was pain free and extremely quick

Michael W K.

Bedford, IN, Apr 12, 2026, 5:39 PM

Very knowledgeable about the process.

Donnetta Jean K.

Bedford, IN, Apr 12, 2026, 9:26 PM

Scott is a Class Act, very knowledgeable and cares. We like Scott very much.

Laura C.

Ellettsville, IN, Jun 2, 2026, 1:19 AM

Scott was excellent to work with - friendly, open to all questions, made us feel important, and sacrificed his own time after normal business hours to ease our concerns

Mollie K.

Springville, IN, Apr 10, 2024, 3:11 PM

Scott is knowledgeable with great communication that made the home buying experience less stressful. I would highly recommend him for any home loan needs.

Derek W.

Linton, IN, Jun 30, 2026, 10:35 PM

Scott and his team were fantastic! My experience was great and every question was answered quickly and I was kept up to date every step of the way.

Robert C.

Ellettsville, IN, May 31, 2026, 4:58 PM

Scott was absolutely awesome to work with! He will definitely be our first call if we ever purchase another home. We highly recommend him - he's caring and personable, and answers all questions thoroughly no matter how simple they seem.

Corey E A.

Bedford, IN, May 4, 2026, 3:23 PM

The entire process was pain free and extremely quick

Michael W K.

Bedford, IN, Apr 12, 2026, 5:39 PM

Very knowledgeable about the process.

Donnetta Jean K.

Bedford, IN, Apr 12, 2026, 9:26 PM

Scott is a Class Act, very knowledgeable and cares. We like Scott very much.

Jacob Colt D.

BEDFORD, IN, Mar 8, 2026, 8:44 PM

The open and clear communication was greatly appreciated

Alison Nicole S.

Bedford, IN, Jan 31, 2026, 6:11 AM

Answering all questions and taking the time to ensure that I understood. Overall communication and response time was great. I'm definitely glad that I went with Scott Kiefiner from Ruoff Morgage. I will definitely be choosing him again for a future home purchase.

Kaylee D P.

Bedford, IN, Jan 26, 2026, 2:44 PM

Our Loan Officer made the whole process easy going as he was quick to respond to every question and made sure that we knew and understood everything about the loan we applied for .

Craig W D.

Bloomington, IN, Nov 14, 2025, 4:37 PM

Scott was super responsive, knowledgeable and ansewered all of our questions in a timely manner. He ensured we had someone taking care of us while he was on vacation. Awesome to work with. Highly recommend.

Katherine Joann G.

Bedford, IN, Oct 16, 2025, 3:07 PM

Always there for me no matter what time or day. Walked me through the entire process from start to finish. Couldn't have done it without his help. Was extremely patient with me.

Camryn R S.

Bloomfield, IN, Oct 4, 2025, 4:25 PM

Quick communication, closed in time, no hidden fees

Robert Kenneth H.

Bloomington, IN, Sep 1, 2025, 5:44 PM

scott & Justina were helpful and prompt in response every step of the way. Very grateful to have them on my team.

Jacob Colt D.

BEDFORD, IN, Mar 8, 2026, 8:44 PM

The open and clear communication was greatly appreciated

Alison Nicole S.

Bedford, IN, Jan 31, 2026, 6:11 AM

Answering all questions and taking the time to ensure that I understood. Overall communication and response time was great. I'm definitely glad that I went with Scott Kiefiner from Ruoff Morgage. I will definitely be choosing him again for a future home purchase.

Kaylee D P.

Bedford, IN, Jan 26, 2026, 2:44 PM

Our Loan Officer made the whole process easy going as he was quick to respond to every question and made sure that we knew and understood everything about the loan we applied for .

Craig W D.

Bloomington, IN, Nov 14, 2025, 4:37 PM

Scott was super responsive, knowledgeable and ansewered all of our questions in a timely manner. He ensured we had someone taking care of us while he was on vacation. Awesome to work with. Highly recommend.

Katherine Joann G.

Bedford, IN, Oct 16, 2025, 3:07 PM

Always there for me no matter what time or day. Walked me through the entire process from start to finish. Couldn't have done it without his help. Was extremely patient with me.

Camryn R S.

Bloomfield, IN, Oct 4, 2025, 4:25 PM

Quick communication, closed in time, no hidden fees

Robert Kenneth H.

Bloomington, IN, Sep 1, 2025, 5:44 PM

scott & Justina were helpful and prompt in response every step of the way. Very grateful to have them on my team.

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

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.