Travis Gregg
Senior Loan Officer
NMLS: 1177090 | OH: MLO-OH.1177090
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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98.93%
Customer Satisfaction Score.
Awards
Proudly serving Florida, Illinois, Indiana, Michigan, Ohio
Calculate Based on Your Individual Needs
Loans Designed to Meet Your Individual Needs
Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.
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
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.
The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.
Yes, you can buy a home while paying off student loans, even with significant debt, as long as you meet credit, income, and debt-to-income (DTI) requirements. Ruoff Mortgage assesses your total monthly payments, not just the total loan balance, to determine affordability.
You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.
To determine how much mortgage you can afford, use the Ruoff Mortgage Affordability Calculator, which estimates your maximum home price based on income, debt, and down payment. Generally, lenders recommend keeping your total monthly housing payment (principal, interest, taxes, insurance) between 25% and 36% of your income.
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My Latest Blogs
How to Recast a Mortgage: A Friendly Guide to Adjusting Your Payments
Jul 9, 2026
If you’ve been wondering how to recast a mortgage, you’re not alone. Many homeowners look for ways to lower their monthly payment without the hassle of a full refinance. Recasting offers a straightforward option that can fit right into your financial plans.
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Financing Your First Rental Property in 2026: Smart Steps for Buying a Rental Property
May 27, 2026
Buying a rental property opens the door to steady income and long term wealth, yet the financing landscape in 2026 brings new considerations for first time investors. Rates, lending guidelines, and market conditions continue to shift, so understanding your options early makes the process smoother. With the right preparation, you can move forward confidently and avoid common pitfalls that trip up new buyers.
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The Truth About PMI: When You Need It and How to Cancel PMI
May 6, 2026
The Truth About PMI: When You Need It and How to Cancel PMI
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Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*