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Picture of Theron Overman
Picture of Theron Overman

Hi, I'm Theron!

Home Loan Consultant

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

95.40% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Theron!

Home Loan Consultant

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

95.40% 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.


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 provided my details online on a Sunday, July 12, afternoon and within an hour Theron had sent me an email giving potential estimates on the refinancing. Other lenders tried to rely on hard-selling telephone calls without providing some guidance. To make a long story short, we closed on July 29, 2020, which is what even the lender who had my mortgage failed to do. Kudos to Theron, Andrea, the underwriters, and the closing team. I was impressed.

    Ronald S, happy client
  • When I began getting bombarded with calls, voicemails, and texts, He was a breath of fresh air. I was impressed with Theron's pleasant demeanor in all our communications and especially his thoughtfully worded text message when he first contacted me. In addition, Mackenzie was very patient and helpful throughout the process.

    Dennis W, happy client
  • Very easy and pleasant as I was guided through the process quickly and made me feel comfortable and confident I had made the right decision.

    Franklin B, happy client
  • Love the portal and the info it gives.

    Shawn H, happy client
  • Went very smoothly. Have recommended Ruoff several times now. Very pleased.

    Roseanna D, happy client
  • Everything went as planned.

    Whitney S, happy client
  • Theron Overman and Deb McCulloch were a great team for Ruoff Mortgage. Both were extremely helpful in getting us through the whole process.

    Dennis W, happy client
  • Unlike your competitors, Theron called once and left me a message and followed up with a text message. I hate being called multiple times with no message. Jenna was equally professional and kept me informed every step of the way, both are very good and should have long rewarding careers.

    Ronald N, happy client
  • It was an easy and satisfying experience. We were happy to find a mortgage company willing to work with us that did not mind that we had a fairly low balance to refinance.

    Jeffrey T, happy client
  • The communication was awesome! Theron and Kyndra always responded back to my emails within 24 hours, even on weekends. Nothing could have really been better.

    Antonio M, 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 800.643.3820 X 1069 or message me below!

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