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Picture of Sheri Watkins
Picture of Sheri Watkins

Hi, I'm Sheri!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Sheri!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I am so excited to be a part of the Ruoff Mortgage family! As a Senior Loan Officer at our West Chester branch, I bring over 25 years of mortgage lending experience and expertise. The vast mortgage experience and knowledge within this company cannot be topped. Being a member of this team has given me the tools, guidance and wisdom to be able to promise my customers and clients, without hesitation that we will deliver the best level of service and product that is available.

Not only am I committed to my clients, but I am also committed to my real estate agents and builders. I know from personal experience the important role a lender plays for a Real Estate Agent or Builder- and their business. So, when you look for someone who understands Agents’ and Builders’ needs, call me first! I understand that a knowledgeable, timely and honest response is critical. Allow me to be your Personal Loan Originator and Ruoff Mortgage, your preferred lender.

I am a native of the Greater Cincinnati area and have been in the mortgage industry for 25 years. I earned a Bachelor’s degree in Business Administration from St. Francis University in Fort Wayne, Indiana, which coincidentally is where I began my mortgage career and is also the location of the home office of Ruoff Mortgage. I am licensed Mortgage Professional in the State of Ohio, Kentucky, Michigan and Indiana. I have extensive experience working with First Time Home Buyers and New Construction clients. I have been a member of Cincinnati Area Board of Realtors and Butler-Warren Board of Realtors.

Helping people make quality decisions comes naturally to me. Your concerns in handling the details of an important transaction will be addressed professionally and with sensitivity to your personal, specific needs. I handle each mortgage loan as if it were my own. I believe that a person’s attitude affects everything they do. My attitude is that personal attention, hard work, enthusiasm and commitment to quality makes a person successful. I apply this to everything I do. You can trust me to personally take care of your mortgage financing needs. I invite you to experience the difference at Ruoff Mortgage and I look forward to the opportunity to earn your business!

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President's Club Member

President's club seal 2020
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.


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*

  • Ruoff Mortgage company and our rep Sheri Watkins did absolutely wonderful, and overall I would say A+ service along with A+ communication. Everything was seamless in every phase of the home buying process from pre-approval, inspection, closing costs, applications, then finally closing/signing. I really appreciated Sheri's attention to detail, swift communication any hour of the day, along with her upbeat and friendly nature. Lastly, the technology and portal Ruoff uses were very easy to use and it helped keep everything in check from our point of view.

    Anthony H, happy client
  • Sheri was very patient and worked hard to meet my needs.

    Pamela B, happy client
  • I was a first-time buyer, really had no idea what the process was or if even possible for me. Sheri was recommended to me and she walked me through every step with patience and grace. I was stressing and struggling with the process and thankfully Sheri was there with all the answers. She worked so hard for me between the start of the process to closing. Incredible job, I will most definitely recommend Sheri in the future.

    Christyne S, happy client
  • I was pleasantly surprised that the entire process from beginning to end was smooth and streamlined. The loan process was stress free!

    Kellie K, happy client
  • Sheri was fantastic! I felt comfortable working with her from the get-go, and she really took the time to make sure I understood every step of the process. Would recommend her to anyone!

    Alexis S, happy client
  • Sheri is quick, clear, concise, and thorough. I trust her fully with our home loan process. Sheri has successfully taken us through closing.

    Amy S, happy client
  • Sheri’s attention to detail, hard work, enthusiasm and a real understanding of the mortgage lending business made my experience amazing. She answered all my questions, late nights early mornings, and weekends even. She closed our loan in less than a month and did everything she could to get me the very best and discussed all the options with me along the way. Sheri’s knowledge cannot be rivaled, and her guidance was invaluable.

    Lydia S, happy client
  • Sheri was great to work with. We have worked with her twice now and it has been great both times. She made the process as seamless as possible. I would recommend Ruoff and Sheri to friends and family.

    Matthew H, happy client
  • Sheri was amazing. As a first time homebuyer I had many many questions. She was available to me at anytime; calls, texts, emails. I would have been lost without her expertise and advice. She?s an asset to your team, and I?m thankful she was there to help me.

    Lydia S, happy client
  • Sheri was quick to follow up to questions and the online process was smooth!

    Doug G, happy client
  • Sheri is absolutely amazing. She went above and beyond, reassuring us that all would work out the best way possible. Throughout the "ups and downs" of the home selling and buying process, Sheri routinely checked in, asked us if we had questions, offered suggestions, and searched for what worked best for us in the given situation. I highly suggest Sheri, and Ruoff, to any family looking to move... She genuinely cares!

    Kevin T, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score.*


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


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 513.265.8666 or message me below!

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