Stephany Leonard
Loan Officer
NMLS: 942221
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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Customer Satisfaction Score.
Awards
Proudly serving Indiana
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A Bit About Me
As a veteran and Mortgage Loan Officer serving NWI, helping people achieve homeownership is personal to me. I work with first-time homebuyers, veterans, families, and current homeowners, providing guidance on VA home loans, FHA, conventional financing, down payment assistance, and refinancing. I’m also proud to be a Homes for Heroes lender, offering exclusive savings and benefits to eligible community heroes when buying or refinancing a home. Service is at the heart of what I do. I’m committed to being reliable, accessible, and someone my clients can count on to educate, advocate, find solutions, and be there throughout their journey home.
Awards & Achievements
Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
My Latest Blogs
High Rates in NWI: Why Buying Still Beats Renting When Everyone Says Wait
Oct 15, 2026
Rates have shifted recently, and the chatter in NWI is loud enough to wake the neighbors. Everyone seems convinced it is the worst possible moment to buy. Yet the math and the history tell a different story once you stop staring at the monthly payment in horror and start looking at what you actually own at the end of the month.
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How to Improve Your Credit Score Before Buying a Home (Without Losing Your Sanity)
Jul 17, 2026
Hey friends, Stephany Leonard here from Ruoff Mortgage. If your credit score feels like that one craft project you started with big dreams and ended up tangled in yarn, you’re not alone. Improving your credit score before buying a home is totally doable, and it doesn’t require giving up family time, your weekend hikes, or those post workout smoothies. Let’s break it down with some laughs and real steps that actually work.
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First-Time Buyer Programs in Northwest Indiana: What's Available and How to Qualify
Jul 2, 2026
Buying your first home in Northwest Indiana opens the door to building wealth and putting down roots in communities you love. Many aspiring homeowners wonder how they can make that dream a reality without stretching their budget too thin. First-time buyer programs exist to ease that path, offering lower down payments, reduced interest rates, and helpful grants that fit real-life situations.
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