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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

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reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Tammy Graff
Picture of Tammy Graff

Hi, I'm Tammy!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Tammy!

Senior Loan Officer

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

100.00% 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.
Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


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*

  • Tammy understood I had been trying to secure a loan, & due to COVID19, which I did get, I believe another loan company took advantage of my lack of knowledge, & becoming ill, to take the $900 filing & appraisal fee, & do nothing...so my loss! She made sure we had contact just about every day, made sure I understood the whole process, & due to my long work hours, allowed me to be in contact with her even after her hours, so I was very appreciative for her going above & beyond for me, until closing! The speed bumps that we hit, she paved smooth!

    Susanne C, happy client
  • It was a difficult back-to-back closing and Tammy did a great job in getting it done on time without any glitches. A really nice job!

    Conrad Z, happy client
  • Tammy went out of her way to help us with our financing. She is an exceptional person.

    Jim & Sandy B, happy client
  • Tammy was a big help and made this scary process very smooth for us.

    Jacob C, happy client
  • We received our clear to close incredibly quickly! Everything went smoothly, and I loved being able to upload my documents online and review paperwork from my living room. It is a perfect setup for people who work long hours like myself.

    Amber P, happy client
  • Tammy and the staff at the Crown Point location were very helpful in every way. She kept in touch with me every step of the way. My closing was as scheduled and there were no delays. I was very happy with the whole process!

    Natalie M, happy client
  • Tammy's fantastic. She’s on top of everything and is extremely knowledgeable! Every time I had a question, her response came within one minute. It didn’t matter if it was a text or an email. I’m so grateful for her!

    Darlene C, happy client
  • Tammy was great to work with and she always returned our calls promptly and was helpful in explaining the process as we went along. She also has a great personality and my husband and I felt very comfortable with her.

    Peggy C, happy client
  • Tammy was a rockstar! Very quick to respond and really knew her stuff. Made the whole process a breeze. Our close took less than 30 minutes thanks to her!

    Matthew P, happy client
  • The process was extremely smooth and moved very quickly. This was very important to me since it was my first time buying a home and the lease on my apartment was quickly coming to an end.

    Danielle P, happy client
  • Everything went well and in a timely manner. This was just a refinance but this is our 3rd time using Tammy Graff and have loved every experience.

    Nicholas C, happy client
  • I am a realtor and whenever I am able, I send my clients to Tammy Graff. As on all of my deals with Tammy, she was very professional and extremely knowledgeable! She really is the very best loan officer I have ever had the privilege of working with to make our clients' transaction go as smoothly as possible.

    Catherine M, happy agent
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

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.

Stay connected.

I would love to hear from you!

Call me at 219.730.7154 or message me below!

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