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What is your goal?

Purchase

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.

Thank you for
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 Todd Bontrager
Picture of Todd Bontrager

Hi, I'm Todd!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Hi, I'm Todd!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

They say communication is the key to every relationship, and I will be here to answer any questions that you may have for me along the way. I will do everything I can to make this a smooth and easy process for you to enjoy your new home! I was born and raised in Middlebury, IN. I played football at Valparaiso University. I am a big sports fan. My favorite teams are the Bears, Celtics, Irish, Cubs, and Blackhawks. I also enjoy recreational volleyball, kayaking, and swimming.

Get Started

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

  • Communication was always proactive & concise. I was kept up to date throughout the entire process, & always knew what the next steps were.

    Kelly K, happy client
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Why should you choose Ruoff?

74

Branches throughout
the US.

98.2%

Customer Satisfaction Score according to Customerville.

17

Days or less average
clear-to-close.

38

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

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 470.330.5434 or message me below!

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