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Picture of Stephen DeMuth
Picture of Stephen DeMuth

Hi, I'm Stephen!

Senior Loan Officer

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

99.77% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Stephen!

Senior Loan Officer

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

99.77% Customer Satisfaction Rating
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*

  • I had the incredible pleasure of having Stephen as my loan officer. He made the homebuying process as painless as he could. He was available for any questions I had and was able to put my nerves at ease through the process. I was in my home less than a month after my offer was accepted due to his hard work! 100/10! Thanks guys!

    Felecia L, happy client
  • Stephen was excellent during the whole process. Will recommend him and your company to others. Thank you for a quick and easy closing.

    Mark K, happy client
  • We were very pleased with the process. The selling agent even commented on how nice it was working with Stephen.

    Christine M A, happy client
  • We worked with Stephen and he was great! He was always available and was able to help with every question we had.

    Hanna N, happy client
  • Very personable and understood our situation, tried to get everything done quickly in the tight me crunch we were in. That was impressive to me to go above and beyond.

    Angela T A, happy client
  • Stephen was great!

    Peyton K M, happy client
  • It was a very smooth process. Stephen was fantastic.

    Gregory Allen M, happy client
  • Stephen and his team were phenomenal. They were readily available for any questions I had, and were able to get my loan closed quickly.

    Devon C. L, happy client
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Why should you choose Ruoff?

70

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 502.794.1835 or message me below!

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