Ruoff Mortgage
Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Tonya Neill

Senior Loan Officer

NMLS: 138769

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio
Tonya

98.58%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award Winner

Awards

Proudly serving Michigan

Meet our happy homeowners***

View All Testimonials

Brie-Ann L.

Albion, MI, Dec 13, 2025, 5:23 PM

"Working with Tonya was an absolute pleasure! From the moment we started, She made a daunting process feel simple and manageable. Tonya explained every single step, option, and document clearly, ensuring we felt confident and informed without ever feeling rushed or pressured.

Girarda M T.

Jerome, MI, Sep 18, 2025, 2:43 PM

Tonya Neill went over and above my expectations. I had also been working with another banker who was hard to reach and less personal. I chose Tonya over that banker because she was upfront, extremely attentive and easy to work with. I am grateful for Tonya and will recommend her to anyone needing loan services!

Howard S.

Jackson, MI, Oct 22, 2025, 3:09 PM

Tonya is amazing to work with, very knowledgeable. Everyone was very kind

Kerry S.

Waterford, MI, Jul 27, 2026, 8:09 PM

Tonya did an amazing job guiding me through this journey!

Karen Sue W.

Battle Creek, MI, Jun 6, 2026, 5:48 PM

Knowledgeable, friendly and efficient.

Brandy M.

Jackson, MI, May 10, 2026, 7:05 PM

Working with Ruoff Mortgage was such a smooth and stress-free experience from start to finish. Communication was always quick and clear, every question I had was answered thoroughly, and the whole team made me feel supported throughout the entire home-buying process as a first-time buyer. They made everything easy to understand, kept me updated every step of the way, and truly made closing day exciting instead of overwhelming.

Brie-Ann L.

Albion, MI, Dec 13, 2025, 5:23 PM

"Working with Tonya was an absolute pleasure! From the moment we started, She made a daunting process feel simple and manageable. Tonya explained every single step, option, and document clearly, ensuring we felt confident and informed without ever feeling rushed or pressured.

Girarda M T.

Jerome, MI, Sep 18, 2025, 2:43 PM

Tonya Neill went over and above my expectations. I had also been working with another banker who was hard to reach and less personal. I chose Tonya over that banker because she was upfront, extremely attentive and easy to work with. I am grateful for Tonya and will recommend her to anyone needing loan services!

Howard S.

Jackson, MI, Oct 22, 2025, 3:09 PM

Tonya is amazing to work with, very knowledgeable. Everyone was very kind

Kerry S.

Waterford, MI, Jul 27, 2026, 8:09 PM

Tonya did an amazing job guiding me through this journey!

Karen Sue W.

Battle Creek, MI, Jun 6, 2026, 5:48 PM

Knowledgeable, friendly and efficient.

Brandy M.

Jackson, MI, May 10, 2026, 7:05 PM

Working with Ruoff Mortgage was such a smooth and stress-free experience from start to finish. Communication was always quick and clear, every question I had was answered thoroughly, and the whole team made me feel supported throughout the entire home-buying process as a first-time buyer. They made everything easy to understand, kept me updated every step of the way, and truly made closing day exciting instead of overwhelming.

Shinichi R.

Jackson, MI, Mar 13, 2026, 12:08 PM

It can't be overstated how important it is to have an actual person present during closing.

Jessica A D.

Parma, MI, Feb 10, 2026, 8:42 PM

Tonya absolutely went above and beyond to help expedite everything so that we could close on the date needed. I loved working with her!!

Brian R.

JACKSON, MI, Feb 3, 2026, 4:02 PM

Everything from start to finish was easy to navigate. Very helpful as this is our family first home purchase.

Madison P G.

Michigan Center, MI, Aug 18, 2025, 4:35 PM

i'm just so grateful i had an amazing loan officer! Tonya Neill reallly helped smooth the process and i'm glad to be living in my very first home. Thank you everyone -Madison

Shamarr C. H.

Jackson, MI, Oct 8, 2025, 1:11 AM

Smooth process...Tonya made everything very understandable

Lexi E C.

BROOKLYN, MI, Sep 20, 2025, 10:22 PM

Tonya was great to work with she answered every question i had in a timely manor!

Gary J T.

Jerome, MI, Sep 18, 2025, 2:38 PM

Tonya Neill made the whole process super easy!

Shinichi R.

Jackson, MI, Mar 13, 2026, 12:08 PM

It can't be overstated how important it is to have an actual person present during closing.

Jessica A D.

Parma, MI, Feb 10, 2026, 8:42 PM

Tonya absolutely went above and beyond to help expedite everything so that we could close on the date needed. I loved working with her!!

Brian R.

JACKSON, MI, Feb 3, 2026, 4:02 PM

Everything from start to finish was easy to navigate. Very helpful as this is our family first home purchase.

Madison P G.

Michigan Center, MI, Aug 18, 2025, 4:35 PM

i'm just so grateful i had an amazing loan officer! Tonya Neill reallly helped smooth the process and i'm glad to be living in my very first home. Thank you everyone -Madison

Shamarr C. H.

Jackson, MI, Oct 8, 2025, 1:11 AM

Smooth process...Tonya made everything very understandable

Lexi E C.

BROOKLYN, MI, Sep 20, 2025, 10:22 PM

Tonya was great to work with she answered every question i had in a timely manor!

Gary J T.

Jerome, MI, Sep 18, 2025, 2:38 PM

Tonya Neill made the whole process super easy!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now
Tonya Neill

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

Top Mortgage Lenders

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

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

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 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

Ruoff Mortgage Logo White

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.