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Stephanie Moncayo

VP | Branch Manager

NMLS: 2223577

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Stephanie

97.18%

Customer Satisfaction Score.

Scotsman Guide AwardPresident's Club Award

Awards

Proudly serving Florida, Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Review 1

Lori M L.

Osceola, IN, Jan 13, 2026, 11:34 PM

5.0

What made my experience excellent was Stephanie’s knowledge and responsiveness. Anytime I had a question, she answered quickly and clearly, often anticipating issues before they became problems. She understands lending from an investor’s perspective, not just a transactional one, which made a big difference in how confident I felt throughout the process. She was organized, proactive, and communicated every step clearly, making the entire experience smooth and stress-free.

Review 2

Tyler M B.

Kokomo, IN, Sep 8, 2026, 3:29 PM

5.0

Stephanie did an amazing job since day one of starting our loan. She was always available for questions and was very informative and answering any and all questions that we had. Stephanie went above and beyond her job requirements in my opinion and made sure we got the house that we wanted highly recommend Stephanie for anybody looking for a home mortgage.

Review 3

Tyler H.

Winamac, IN, Aug 27, 2026, 1:45 AM

5.0

Stephanie worked with me very well and was very responsive to any questions I had along the way. It was a very straightforward process and there was no surprises along the way while submitting documents and gathering information. I heard good reviews about Ruoff so I decided to give it a chance. The loan approval and closing went faster than expected. It was definitely a better and more trusted experience than buying my previous home.

Review 4

Anthony E B.

Mishawaka, IN, Aug 20, 2026, 11:13 PM

5.0

Stephanie is so great to work with and was always available to answer any questions we had

Review 5

Adriane A.

SOUTH BEND, IN, Aug 17, 2026, 3:11 PM

5.0

Responsive and helpful

Review 6

Gavin M.

Mishawaka, IN, Jul 30, 2026, 5:25 PM

5.0

Stephanie took the burden off of our hands of buying a house and was very knowledgeable and helpful. We love her!

Review 7

Melissa M.

Mishawaka, IN, Jul 27, 2026, 1:02 PM

5.0

Stephanie was a lifesaver during the stressful experience! Her knowledge and communication was key in getting us to the finish line 💟

Review 1

Lori M L.

Osceola, IN, Jan 13, 2026, 11:34 PM

5.0

What made my experience excellent was Stephanie’s knowledge and responsiveness. Anytime I had a question, she answered quickly and clearly, often anticipating issues before they became problems. She understands lending from an investor’s perspective, not just a transactional one, which made a big difference in how confident I felt throughout the process. She was organized, proactive, and communicated every step clearly, making the entire experience smooth and stress-free.

Review 2

Tyler M B.

Kokomo, IN, Sep 8, 2026, 3:29 PM

5.0

Stephanie did an amazing job since day one of starting our loan. She was always available for questions and was very informative and answering any and all questions that we had. Stephanie went above and beyond her job requirements in my opinion and made sure we got the house that we wanted highly recommend Stephanie for anybody looking for a home mortgage.

Review 3

Tyler H.

Winamac, IN, Aug 27, 2026, 1:45 AM

5.0

Stephanie worked with me very well and was very responsive to any questions I had along the way. It was a very straightforward process and there was no surprises along the way while submitting documents and gathering information. I heard good reviews about Ruoff so I decided to give it a chance. The loan approval and closing went faster than expected. It was definitely a better and more trusted experience than buying my previous home.

Review 4

Anthony E B.

Mishawaka, IN, Aug 20, 2026, 11:13 PM

5.0

Stephanie is so great to work with and was always available to answer any questions we had

Review 5

Adriane A.

SOUTH BEND, IN, Aug 17, 2026, 3:11 PM

5.0

Responsive and helpful

Review 6

Gavin M.

Mishawaka, IN, Jul 30, 2026, 5:25 PM

5.0

Stephanie took the burden off of our hands of buying a house and was very knowledgeable and helpful. We love her!

Review 7

Melissa M.

Mishawaka, IN, Jul 27, 2026, 1:02 PM

5.0

Stephanie was a lifesaver during the stressful experience! Her knowledge and communication was key in getting us to the finish line 💟

Review 8

Michael Wayne M.

South Bend, IN, Jun 24, 2026, 12:20 AM

5.0

They just went above and beyond to help us and make this experience very pleasant . Eveyone communicated clearly and promptly with us throughout the whole proces. The whole thing was pleasant from start to finish

Review 9

Diego H.

South Bend, IN, Jun 19, 2026, 5:26 PM

5.0

Everything was excellent. The portal was very conven for everything and Stephanie was a dream to work with

Review 10

Ehlana P V.

Walkerton, IN, May 25, 2026, 3:26 PM

5.0

Stephanie was always prompt, kind, and all over just helpful! She made it happen even with challenges!

Review 11

Rosemary R.

South Bend, IN, May 9, 2026, 6:56 PM

5.0

Great communication

Review 12

Nicole S.

LaGrange, IN, Apr 25, 2026, 4:26 PM

5.0

You helped us buy our first home.

Review 13

Arley Y R.

South Bend, IN, Apr 21, 2026, 4:57 PM

5.0

Excellent Job

Review 14

Critzaida H.

South Bend, IN, Apr 13, 2026, 4:54 PM

5.0

Working with my loan officer was an amazing experience from start to finish. They were knowledgeable, professional, and always available to answer my questions throughout the entire loan process. What could have been a stressful experience felt smooth and easy because of their patience, clear communication, and dedication.

Review 8

Michael Wayne M.

South Bend, IN, Jun 24, 2026, 12:20 AM

5.0

They just went above and beyond to help us and make this experience very pleasant . Eveyone communicated clearly and promptly with us throughout the whole proces. The whole thing was pleasant from start to finish

Review 9

Diego H.

South Bend, IN, Jun 19, 2026, 5:26 PM

5.0

Everything was excellent. The portal was very conven for everything and Stephanie was a dream to work with

Review 10

Ehlana P V.

Walkerton, IN, May 25, 2026, 3:26 PM

5.0

Stephanie was always prompt, kind, and all over just helpful! She made it happen even with challenges!

Review 11

Rosemary R.

South Bend, IN, May 9, 2026, 6:56 PM

5.0

Great communication

Review 12

Nicole S.

LaGrange, IN, Apr 25, 2026, 4:26 PM

5.0

You helped us buy our first home.

Review 13

Arley Y R.

South Bend, IN, Apr 21, 2026, 4:57 PM

5.0

Excellent Job

Review 14

Critzaida H.

South Bend, IN, Apr 13, 2026, 4:54 PM

5.0

Working with my loan officer was an amazing experience from start to finish. They were knowledgeable, professional, and always available to answer my questions throughout the entire loan process. What could have been a stressful experience felt smooth and easy because of their patience, clear communication, and dedication.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Loans Designed to Meet Your Individual Needs

Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.

Man and Woman laughing and smiling as being handed keys to their new home.
Stephanie Moncayo

A Bit About Me

Hi! I’m Stephanie Moncayo, a mortgage professional, mom, and homeowner who understands that buying or refinancing a home is about so much more than numbers; it’s about your goals, your family, and your future. I treat every client like family, offering honest guidance, personalized solutions, and support every step of the way. From first-time homebuyers and growing families to refinances and investment properties purchases; I offer a wide range of loan options, including down payment assistance, creative and investor-friendly financing. When I’m not helping clients achieve homeownership, I enjoy spending time with my kids, community dancing, watching documentaries, and a good cup of coffee.

Let’s make your homeownership goals a reality!

I'm a math champion at my home country, Ecuador

My first language is spanish, although I don't have much of an accent when speaking english.

Back in my home country, Ecuador, I am a licensed cosmetologist

Some people might say I have a photographic memory

I can eat pretty much anything with cheese on it, I'm a cheese lover

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

President's Club Award

President's Club

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Florida, Indiana, Michigan

My Operating Hours

Available 24/7

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

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******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.