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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.

Thank you for
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
Please complete all fields.
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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.

99.40% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Hi, I'm Sheila!

Senior Loan Officer

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

99.40% Customer Satisfaction Rating
Scotsman Guide Top Originator 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.

Get Started

President's Club Member

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

  • 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
  • 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 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
  • 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
  • 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 extremely helpful, professional and quick to respond. We could not have asked for this process to go any better!

    Brian S, happy client
  • I work a rotational 4-week schedule where I never have a consistent day. The applications and digital signing of everything as well as texts from my loan officer made this process simplified. Thank you Sheila!

    John S, 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 absolutely outstanding. She was on top of everything and extremely professional.

    Maryca C, 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 765.404.4626 or message me below!

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