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Picture of Stephanie Rhinerson
Picture of Stephanie Rhinerson

Hi, I'm Stephanie!

VP | Branch Manager

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

Scotsman Guide Top Lenders Award

Hi, I'm Stephanie!

VP | Branch Manager

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

Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
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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

  • Review 1

    Source of Rating Icon

    Stephanie is very knowledgeable and great to work with. She was very responsive with questions and made this process so much easier than expected. The Loan Butler was a great tool to keep track of the loan process.

    Sara E B.

    Owensboro, KY, September 19th, 2024 11:08 AM

  • Review 2

    Source of Rating Icon

    It was a breeze! I just filled out what Stephanie gave me and she always let me know quickly when something was needed.

    Hudson Wesley M.

    Utica, KY, September 16th, 2024 09:29 PM

  • Review 3

    Source of Rating Icon

    Stephanie is knowledgeable and quickly responded to my questions. Stephanie’s experience was evident throughout. The speed of the approval process from application to clear to close was impressive. I’ve already begun recommending Ruoff to friends based upon my experience.

    Jason S.

    Owensboro, KY, August 16th, 2024 11:09 AM

See More

Why should you choose Ruoff?

67

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 270.929.3172 or message me below!

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