I will work hard to help you achieve your homeownership goals.
99.77%Customer Satisfaction Rating
Hi, I'm
Stephanie!
Senior Loan Officer
I will work hard to help you achieve your homeownership goals.
99.77%Customer Satisfaction Rating
Stephanie Moncayo | NMLS: 2223577
Let me help
you
get pre-approved today!
Hey there! I’m Stephanie Moncayo —a proud mortgage professional, dedicated family person, and someone who knows just how important home really is. As a wife, mom, and homeowner myself, I understand that buying or refinancing a home isn’t just a financial decision—it’s a personal one. That’s why I approach every client like family: with honesty, patience, and a deep commitment to finding the best solution for your unique goals. Whether you're buying your first home, upgrading for your growing family, refinancing to save, or expanding your investment portfolio, I’m here to make the process as smooth and stress-free as possible. I offer a wide range of loan programs—from down payment assistance to investor-friendly financing—and I’ll be your guide every step of the way. When I’m not helping clients reach their homeownership dreams, you’ll find me spending time with my husband and 3 kids, working out or binge watching different series and documentaries while having a good cup of coffee. Let’s connect—I’d love to learn about your goals and help you turn them into reality.
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*
Review 1
5.0
Patients, understanding and clear communication
Kaleena J O.
SOUTH BEND, IN, July 17th, 2025 11:30 AM
Review 2
5.0
Stephanie was amazing to work with! She was informative, caring, and always reassuring. She made the whole process smooth and stress-free. I couldn’t have asked for a better loan officer.
Samuel W. F.
Fort Wayne, IN, June 30th, 2025 10:55 AM
Review 3
5.0
Clear communication.
Susana L.
South Bend, IN, June 29th, 2025 05:24 PM
Review 4
5.0
Everything was easy to handle with little to no
Pablo F.
South Bend, IN, June 15th, 2025 03:04 PM
Review 5
5.0
Stephanie was always very diligent and was a great guide! She gave great recommendations and made my process as a first time homeowner very smooth. I'm very very thankful :)
Diana B.
PLYMOUTH, IN, June 10th, 2025 11:10 AM
Review 6
5.0
Stephanie went to work for us even before our credit rating refelcted our readiness to find a home. She gave us excellent advice on how to raise our rating and checked in frequently to make sure we were following the steps she showed us. Our credit is healthier and we have our own home now which would have been a difficult task were it not for her help. I will recommend Ruoff to anyone looking for a home, and if I'm ever in the market in the future I'll be coming right back.
Nevin M R.
South Bend, IN, May 27th, 2025 11:22 AM
Review 7
5.0
Everything in our process was quick, simple and well explained.
Brian K. S.
South Bend, IN, May 31st, 2025 03:11 PM
Review 8
5.0
Stephanie was so sweet and helpful from the start. As first time homebuyers, we had a lot of questions and Stephanie always responded quickly and accommodated our schedules which was usually after business hours which we greatly appreciated. We were so lucky to have her referred to us!
Jaquelyn P.
Mishawaka, IN, May 11th, 2025 03:07 PM
Review 9
5.0
Helping me in all the things
Odalis V T.
South Bend, IN, May 3rd, 2025 08:48 PM
Review 10
5.0
Stephanie was with us through the whole process. She was wonderful to work with, very professional and cheerful personality. When we had questions, she had answers! She was avalible anytime we needed her and made the process so much less stressful. She goes well above and beyond to provide excellent service. We will use Ruoff via Stephanie for all our mortgage needs going forward. Thank you Stephanie.
Joanne V P.
Wolcottville, IN, March 31st, 2025 01:41 PM
Review 11
5.0
Sthepanie Moncayo always answered and my questions and doubts were very clear, and without his help I would not have been able to do it
Ma M V.
South Bend, IN, January 26th, 2025 02:56 PM
Review 12
5.0
quick kept me updated fast response Answered all of questions I had very helpful had a great experience made it easy for me to get my house
Juan E. G.
South Bend, IN, January 24th, 2025 11:45 AM
Review 13
5.0
Stephanie was fantastic to work with. The entire experience was flawless
*Based on
2024
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.
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