When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

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.

What documents do I need to apply for a mortgage?

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.

Tyler Allen | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Dillon Austin Stone H.

Patriot, IN, Jun 19, 2026, 10:33 PM

Very easy to talk to and very informative through the whole experience

Lydia L.

Vevay, IN, Jun 18, 2026, 8:10 PM

Tyler did a great job, he was very good about taking the time to explain ever to us. As this was out first home we had many questions and Tyler was always willing to help us get answer.

Boyd Scotti S.

Bennington, IN, May 23, 2026, 1:40 AM

Made everything simple and easy!

Shelby L F.

Florence, IN, May 3, 2026, 7:04 PM

Everything was pretty clear! We didn't have to do much. We just sent in what they needed and they handled the rest! We're very pleased with how everything went!

Joshua D F.

Florence, IN, May 1, 2026, 3:05 PM

My experience was a true on. There were no run arounds or ill get back with you. Everything was taken care of correctly and every interaction was professional. My wife and I were beyond pleased with our experience.

Emily Christine B.

Vevay, IN, Apr 6, 2026, 3:18 PM

Communication with Tyler was clear, thorough, and right when I needed it. He answered this first time homebuyer's endless questions with patience, kindness and professionalism. Tyler made a very intimidating experience enjoyable!

Dillon Austin Stone H.

Patriot, IN, Jun 19, 2026, 10:33 PM

Very easy to talk to and very informative through the whole experience

Lydia L.

Vevay, IN, Jun 18, 2026, 8:10 PM

Tyler did a great job, he was very good about taking the time to explain ever to us. As this was out first home we had many questions and Tyler was always willing to help us get answer.

Boyd Scotti S.

Bennington, IN, May 23, 2026, 1:40 AM

Made everything simple and easy!

Shelby L F.

Florence, IN, May 3, 2026, 7:04 PM

Everything was pretty clear! We didn't have to do much. We just sent in what they needed and they handled the rest! We're very pleased with how everything went!

Joshua D F.

Florence, IN, May 1, 2026, 3:05 PM

My experience was a true on. There were no run arounds or ill get back with you. Everything was taken care of correctly and every interaction was professional. My wife and I were beyond pleased with our experience.

Emily Christine B.

Vevay, IN, Apr 6, 2026, 3:18 PM

Communication with Tyler was clear, thorough, and right when I needed it. He answered this first time homebuyer's endless questions with patience, kindness and professionalism. Tyler made a very intimidating experience enjoyable!

Christina L E.

Bennington, IN, Mar 29, 2026, 7:05 PM

Tyler And Becca are amazing to work with!!

Jake Leo W.

Henderson, KY, Feb 9, 2026, 8:43 PM

Everything seemed to go pretty smooth

Alexis L.

Florence, IN, Dec 30, 2025, 5:20 PM

It was overall super easy and tyler helped me through the entire process with any questions we had arise and explaining what I didn't fully understand.

Chad Allan T.

Vevay, IN, Dec 27, 2025, 10:33 PM

Tyler and his team did a phenomenal job! The whole process went seamlessly and we now have our dream house! The loan process itself was super simple, timely and painless!

Shaun W H.

Vevay, IN, Dec 27, 2025, 8:24 PM

The process was quick and smooth. Tyler and Becca worked hard and kept us informed during the whole process.

Brittany T.

Vevay, IN, Dec 27, 2025, 8:08 PM

Communication is key! It was always on point. no complaints!

Dianna R H.

Vevay, IN, Dec 13, 2025, 12:10 AM

Done everything well. Excellent job!!

Christina L E.

Bennington, IN, Mar 29, 2026, 7:05 PM

Tyler And Becca are amazing to work with!!

Jake Leo W.

Henderson, KY, Feb 9, 2026, 8:43 PM

Everything seemed to go pretty smooth

Alexis L.

Florence, IN, Dec 30, 2025, 5:20 PM

It was overall super easy and tyler helped me through the entire process with any questions we had arise and explaining what I didn't fully understand.

Chad Allan T.

Vevay, IN, Dec 27, 2025, 10:33 PM

Tyler and his team did a phenomenal job! The whole process went seamlessly and we now have our dream house! The loan process itself was super simple, timely and painless!

Shaun W H.

Vevay, IN, Dec 27, 2025, 8:24 PM

The process was quick and smooth. Tyler and Becca worked hard and kept us informed during the whole process.

Brittany T.

Vevay, IN, Dec 27, 2025, 8:08 PM

Communication is key! It was always on point. no complaints!

Dianna R H.

Vevay, IN, Dec 13, 2025, 12:10 AM

Done everything well. Excellent job!!

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

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

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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.