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Picture of Sheila Welsh
Picture of Sheila Welsh

Hi, I'm Sheila!

Senior Loan Officer

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

98.63% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award
Customer Experience Award

Hi, I'm Sheila!

Senior Loan Officer

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

98.63% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award
Customer Experience Award

Let me help you get pre-approved today!

With more than two decades in the mortgage and real estate industries, I know that as a mortgage planner, my job is not simply to facilitate the loan; my job is to be a trusted counselor. Counseling clients through the home-buying process, which can be a difficult and stressful experience, my expertise allows clients to feel at ease knowing that I am providing excellent service each step of the way. My wealth of knowledge continually places me as a top producer among my peers.

Ruoff Mortgage offers a comprehensive selection of loan products to fit your needs. I will help you navigate through the mortgage loan process, providing you with a prompt, smooth, and professional transaction.

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President's Club Member

President's club seal 2015
President's club seal 2017
President's club seal 2020
President's club seal 2021
President's club seal 2022

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*

  • Sheila made the process so much easier for us. She went above and beyond in helping us. It was our first time buying a home and we had no knowledge about the process but she took time to explain and walked us through everything. She made sure everything was in order and understood the process. Sheila also worked really well with our realtor, we had the best team! We are so grateful to have crossed paths with her.

    Graston K, happy client
  • I was very impressed with the work that was done outside of normal business hours. No matter the time of day or even a holiday I was always able to reach Shelia and her staff.

    Felicia P, happy client
  • Sheila was beyond knowledgeable. For us first-time home buyers she broke everything done as if it was second nature and completed each step that need to be completed before it seemed I could blink. I will definitely be recommending Sheila to anyone looking to enter the mortgage process.

    Dominic M, happy client
  • Sheila was absolutely amazing. This is our 2nd time working with her, and both times she has gone above and beyond to make sure our questions were answered and any issues were taken care of. We will always go to Sheila when we purchase a home, and recommended her to anyone doing the same. We will be back to Ruoff because of her.

    Henry W, happy client
  • Sheila Welsh went so far above with her availability and navigating through the complications that came with our specific nuances of a multi-step/party process for closings. She should probably be given some vacation time to unwind, she is literally responsive 24/7. A HUGE asset for myself during the process. She was my comfort person and the one to “talk me off the ledge”. I cannot recommend her enough!

    Angela G, happy client
  • Sheila was absolutely outstanding. She was on top of everything and extremely professional.

    Maryca C, happy client
  • Sheila was extremely helpful, professional and quick to respond. We could not have asked for this process to go any better!

    Brian S, happy client
  • Communication! Sheila was awesome with keeping me up to date on all parts of the process, and the app was great to track of the steps!

    Chanel S, happy client
  • Shelia is just wonderful to work with! This is our second refinance. My parents, brother, & about 4 others I sent to Shelia last year and they were taking care of very well! My brother will be going back again this month as well! Outstanding customer service!

    Aaron L, happy client
  • Sheila was so helpful and kind during the entire process. At one point, I panicked a little bit about the closing costs, and she explained my adjustment options, and she worked with me to find a way to alleviate my anxiety. She treated me with such kindness and empathy.

    Michelle L, happy client
  • Sheila was by far the most helpful loan officer I have ever had she made everything hassle free will most definitely recommend her to everyone!

    Harley B, happy client
  • Shelia was an awesome help with all the hoops we had to maneuver thru to get our dream home. It was a long process but she was there with us all the way answering questions and help find solutions. And everyone else that contacted us was polite and courteous. Thank you.

    Rodney H, happy client
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Why should you choose Ruoff?

71

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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.

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I would love to hear from you!

Call me at 765.404.4626 or message me below!

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