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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.

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 Tom Hriso
Picture of Tom Hriso

Hi, I'm Tom!

Senior Loan Officer

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

97.60% Customer Satisfaction Rating

Hi, I'm Tom!

Senior Loan Officer

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

97.60% Customer Satisfaction Rating

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

  • As a first time home owner, I did not know what to expect and was very anxious about the process. Tom is the absolute best and made the whole process stress free. I told him what we were looking to do and the time frame we needed to be in our home. Tom assured me he would do everything he can to make it happen, and that's exactly what he did. Tom knows the mortgage business in and out. He patiently walked me through every part of the process, taking his time to explain everything in a manner I would understand and was available day or night to take a call or return a text about a question or concern I had. Hands down the best, 10/10, I would recommend Tom to anyone looking to buy a home.

    Elijah B, happy client
  • Tom Hriso was great! Communication was on point, he made the transaction seamless and painless! Ruoff customers for life!

    Calvin M, happy client
  • Tom Hriso was very informative throughout the entire process and was always willing to explain things that I didn’t understand. He walked me through the different types of loans and put together the best loan package for my situation. He was always quick to respond to emails. Over I was very impressed with the Ruoff team and Tom. I would recommend Tom to all of my friends and family as he made the home buying experience easy and stress free.

    Lauren W, 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 812.369.9194 or message me below!

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