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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 Teresa Shultz-Miller
Picture of Teresa Shultz-Miller

Hi, I'm Teresa!

SVP | Area Manager

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

98.58% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award
Customer Experience Award

Hi, I'm Teresa!

SVP | Area Manager

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

98.58% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award
Customer Experience Award

Let me help you get pre-approved today!

My family has been in the Real Estate Industry in the Elkhart area since 1946 so I always knew I was born to help people with their dreams of homeownership.  I started my career in lending over 20 years ago and love helping people in my community. Whether a homebuyer is purchasing their first home, building their dream home, or looking to downsize or purchase a secondary home - I can help guide them through their financial options.  

I am not only committed to my past clients and referral partners- as the Northern Indiana Area Manager for Ruoff Mortgage my focus is also coaching and leading my team to exceed their business and personal goals.  I am always looking to recruit dedicated loan officers who are committed to the Ruoff philosophy of stellar customer service.  

Ruoff Mortgage was listed on the 2021 #Inc5000Reginonals as one of the fastest-growing companies in the Midwest. With over 35 years of experience, Ruoff makes the process of securing a mortgage simple and straight forward-no hidden costs or surprises. This is why Ruoff is the #1 purchase mortgage lender in the Midwest. 

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*

  • Teresa was very professional and followed through with what she said she was doing. She made us feel we were a priority to her. She really cared. She changed our home buying nightmare with another lender to an amazing timely experience

    Anthony R, happy client
  • Teresa went above and beyond to make my investment purchase happen quickly & smoothly!!! She exceeded all my expectations for sure. Overall I was extremely satisfied.

    Conway H, happy client
  • Everything went smooth and efficiently. Teresa was always willing to take the extra time to answer any question I may have had and explained everything thoroughly.

    Kris B, happy client
  • Everything went perfect. I would highly recommend Ruoff

    Chad R, happy client
  • From the very beginning, Teresa made this experience easy and enjoyable. Teresa was very warm and extremely easy to work with. I would recommend her to anyone looking to purchase a home.

    Dina B, happy client
  • My whole experience with you guys, especially Teresa was amazing! She is awesome and always answered my questions fully and clearly to where she made sure I understood.

    Brenda R, happy client
  • Teresa worked very hard and stuck with me to help me get my credit report cleaned up so we could get this done! Thanks!!!

    Merv K, happy client
  • Very good experience. I've already recommended two additional customers to Ruoff. Teresa was a rock star. Everything went as promised.

    Ryan C, happy client
  • Teresa was very driven and had great communication.

    Jaren V, happy client
  • Teresa has a bright positive attitude and always returned phone calls in a timely manner. I knew that she was really working on our behalf when she would call after business hours to update us on progress, we appreciated that.

    Stacy P, happy client
  • Teresa was great with explaining a few different things to us. She's great, and we will continue to use her as our loan officer in the future. She was also our loan officer on our first mortgage, 11 years ago.

    Beth H, happy client
  • Teresa was always willing to take the time to answer questions and help us understand every aspect of the buying process.

    Rebecca D, happy client
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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 574.320.5692 or message me below!

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