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Teresa Shultz-Miller

SVP | Area Manager

NMLS: 484901

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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Teresa

99.22%

Customer Satisfaction Score.

Scotsman Guide Award

Awards

Proudly serving Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Review 1

Waylon J S.

New Paris, IN, Jul 25, 2026, 4:00 PM

5.0

This was my first mortgage, so I had no idea what all I needed to do. But thanks to their patience and clear communication, Teresa and Colin helped make it alot easier and straight forward. I'm grateful for all the help I received. Thank you guys

Review 2

Mark C M.

Goshen, IN, Jul 23, 2026, 3:20 PM

5.0

Very easy to work with. Communication was spot on.

Review 3

Dianna L D.

Bristol, IN, Jun 29, 2026, 12:00 PM

5.0

The whole process was smooth and stress free. Thank You!

Review 4

Ashlynn B.

La Paz, IN, Jun 16, 2026, 10:23 PM

5.0

My loan officer was very quick to answer any questions I had about the loan process and what documentation was required for the next steps in the process! They were very informative about how the process works an as a first buyer it was very helpful!

Review 5

Scott R.

Three Rivers, MI, Jun 4, 2026, 1:43 AM

5.0

Communication is excellent and always up to date with the process. Highly recommended.

Review 6

Tara K. R.

Three Rivers, MI, Jun 2, 2026, 3:24 PM

5.0

Teresa and her team were great to work with! They explained everything and kept us updated. We are grateful for her help throughout the process! Would strongly recommend her and Ruoff!

Review 1

Waylon J S.

New Paris, IN, Jul 25, 2026, 4:00 PM

5.0

This was my first mortgage, so I had no idea what all I needed to do. But thanks to their patience and clear communication, Teresa and Colin helped make it alot easier and straight forward. I'm grateful for all the help I received. Thank you guys

Review 2

Mark C M.

Goshen, IN, Jul 23, 2026, 3:20 PM

5.0

Very easy to work with. Communication was spot on.

Review 3

Dianna L D.

Bristol, IN, Jun 29, 2026, 12:00 PM

5.0

The whole process was smooth and stress free. Thank You!

Review 4

Ashlynn B.

La Paz, IN, Jun 16, 2026, 10:23 PM

5.0

My loan officer was very quick to answer any questions I had about the loan process and what documentation was required for the next steps in the process! They were very informative about how the process works an as a first buyer it was very helpful!

Review 5

Scott R.

Three Rivers, MI, Jun 4, 2026, 1:43 AM

5.0

Communication is excellent and always up to date with the process. Highly recommended.

Review 6

Tara K. R.

Three Rivers, MI, Jun 2, 2026, 3:24 PM

5.0

Teresa and her team were great to work with! They explained everything and kept us updated. We are grateful for her help throughout the process! Would strongly recommend her and Ruoff!

Review 7

Michelle T G.

South Bend, IN, Apr 21, 2026, 4:42 PM

5.0

Teresa and Colin were wonderful to work with. They made the entire home refinance process smooth and stress-free, and they were always available to answer my questions along the way. I highly recommend them to anyone looking for a reliable and supportive team!

Review 8

Tark J R.

Bristol, IN, Jan 5, 2026, 3:12 PM

5.0

From start to finish everything was presented up front and was right on track. The whole process was smooth and easy to navigate. Overall very pleased with the experience.

Review 9

Tara Michelle P.

Milford, IN, Dec 28, 2025, 11:45 PM

5.0

Great communication with timeliness and easy to understand. Online portal was easy to navigate and upload material with simple tasks marked. Also nice to work ahead and upload many documents at a time. Whole team was great with all communication. Closing was super simple thanks to all the fore knowledge and work.

Review 10

Tarra A F.

New Paris, IN, Sep 23, 2025, 4:51 PM

5.0

Teresa was experienced, knowledgeable, and easy to work with - I'd highly recommend Teresa and Ruoff to anyone looking to mortgage a new home!

Review 11

Jordan T S.

Elkhart, IN, Sep 9, 2025, 4:38 PM

5.0

Teresa was and always has been very pleasant to work with. She has a great, positive attitude and explained things effectively. She never made me feel silly for all the questions I asked as a first time home buyer. I really appreciate the updates Loan Butler provided throughout the process as well. For a person who likes to be in the loop, it is a great feature to have.

Review 12

Nancy C K.

Middlebury, IN, Sep 5, 2025, 3:17 PM

5.0

Easy process with amazing staff!

Review 13

Sadie C.

Niles, MI, Aug 12, 2025, 4:41 PM

5.0

Teresa was very knowledgeable and helpful throughout our experienc.

Review 7

Michelle T G.

South Bend, IN, Apr 21, 2026, 4:42 PM

5.0

Teresa and Colin were wonderful to work with. They made the entire home refinance process smooth and stress-free, and they were always available to answer my questions along the way. I highly recommend them to anyone looking for a reliable and supportive team!

Review 8

Tark J R.

Bristol, IN, Jan 5, 2026, 3:12 PM

5.0

From start to finish everything was presented up front and was right on track. The whole process was smooth and easy to navigate. Overall very pleased with the experience.

Review 9

Tara Michelle P.

Milford, IN, Dec 28, 2025, 11:45 PM

5.0

Great communication with timeliness and easy to understand. Online portal was easy to navigate and upload material with simple tasks marked. Also nice to work ahead and upload many documents at a time. Whole team was great with all communication. Closing was super simple thanks to all the fore knowledge and work.

Review 10

Tarra A F.

New Paris, IN, Sep 23, 2025, 4:51 PM

5.0

Teresa was experienced, knowledgeable, and easy to work with - I'd highly recommend Teresa and Ruoff to anyone looking to mortgage a new home!

Review 11

Jordan T S.

Elkhart, IN, Sep 9, 2025, 4:38 PM

5.0

Teresa was and always has been very pleasant to work with. She has a great, positive attitude and explained things effectively. She never made me feel silly for all the questions I asked as a first time home buyer. I really appreciate the updates Loan Butler provided throughout the process as well. For a person who likes to be in the loop, it is a great feature to have.

Review 12

Nancy C K.

Middlebury, IN, Sep 5, 2025, 3:17 PM

5.0

Easy process with amazing staff!

Review 13

Sadie C.

Niles, MI, Aug 12, 2025, 4:41 PM

5.0

Teresa was very knowledgeable and helpful throughout our experienc.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Teresa Shultz-Miller

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Indiana, Michigan

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.