Based on quarterly 98% or better third party customer satisfaction survey data
Helping families achieve the goal of home ownership is a huge joy for me. Knowing how stressful and difficult the process can feel at times, I make sure I’m always available to offer support and explain what is going on from start to finish. I also have the experience to troubleshoot any unique circumstances you may have.
I grew up in Hudson, OH and have lived and worked in the community my whole life. I enjoy sporting events, hikes, playing with my dogs and spending time with my loving family. I understand you may have hurdles to overcome. I’ve overcome a broken neck and it taught me to use the resources around me and work hard to be successful. I am prepared to do both for you. I’ve also recently experienced the joy of getting engaged and want to hear about your goals for you and your family.
I am committed to providing outstanding service to you, and each and every customer I have the pleasure of working with. Communication, personalization and speed are the keys to the service I provide. Having learned the industry from great veterans, I am proud to pass my knowledge on to my clients and Realtor partners.
Having served in the United States Marine Corps, I love helping fellow veterans secure 0% down VA loans. I have been working in the mortgage industry now for over four years and enjoy knowing that each day is something new.
Other loan programs that I am an expert in include:
HUD REO properties
My goal is to provide you with the loan that best fits your
needs at this point in your life. If you are looking to purchase, refinance, I
would love to help you achieve your dream of home ownership.
Confirm your home financing options ahead of schedule
What to Expect
Understanding your home finance options puts you in the driver's seat when you are negotiating your home purchase. Getting a no obligation Ruoff Step Ahead pre-approval letter tells all parties involved that you are a qualified borrower. Because your Ruoff Step Ahead pre-approval letter confirms that your documentation has been reviewed by a Ruoff Home Mortgage underwriter, sellers and agents will both know the transaction will close on time! Get in touch with a Ruoff Home Loan Adviser or simply click on the link above and apply online today. It is fast and easy and you will soon know why Ruoff is a great name to know when you need a mortgage.
Loans That End in "A"
Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.
FHA Mortgage Insurance
Take Advantage of a Government-Insured Loan That Is Always a Safe Bet in an Ever-Changing World
FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) insures the loan, so Ruoff Home Mortgage can offer you a better deal. It is because of that insurance that FHA loans can offer attractive interest rates and with less stringent and more flexible qualification requirements. FHA loans may be used to purchase or refinance a new or existing 1-4 unit family home or condominium unit.
Highlights of the FHA Loan
Down payment of just 3.5%. That money can come from a family member, employer or charitable organization as a gift. Other loan programs do not typically allow this. Low credit score requirement and flexible qualifying guidelines. No income limit on borrowers. 15 or 30-year term with competitive rates. Non-occupant co-borrowers can be used to help qualify.
FHA Eligibility Criteria
Must occupy the property as your primary residence. Maximum loan amount limits that vary by region/city. A borrower is limited to one FHA loan at a time. Must meet the minimum credit score requirement. Must have sufficient income to qualify.
The FHA 203(k) Program
Interested in purchasing a foreclosed property, but don't have the extra cash needed for necessary repairs? The FHA 203(k) loan product is the perfect solution. The FHA 203(k) is a special loan product for borrowers who need extra cash to make repairs to their homes. The chief advantage of this type of loan is that the loan amount is not based on the current appraised value of the home, but on the projected value after the repairs are completed. A "streamlined" 203(k) allows you to finance up to $35,000 in nonstructural repairs, such as painting and replacing cabinets or fixtures. The 203(k) loan can be used to repair a home you're planning to purchase or to make upgrades to your current home.
For more information on FHA mortgage insurance and other FHA loan programs:
visit the HUD web site: Let FHA Loans Help You or call the HUD Counseling and Referral Line at 1-800-217-6970.
If are looking for answers to specific questions regarding the FHA loan program, we encourage you to visit the FHA Resource Center at:
By Proudly Serving Your Country, You've Earned the Benefit of a VA Loan
VA loans provide fixed, competitive rates with 15 or 30-year terms. Qualification is easier, even if you have had some credit blemishes in your past. Unlike other loans, you can refinance up to 100% of the value of your home or purchase with no down payment, and there's never a monthly insurance (PMI) charge with VA loan.
Are you a veteran, member of the military, or a surviving spouse of a veteran? Do you want fast approval and minimal red tape? Are you Interested in a fixed-rate mortgage?
A yes answer to all three of the above questions suggests that a VA Loan might very well be the right loan for you. Contact a Ruoff Home Mortgage advisor today and discuss the advantages of this exclusive loan product.
VA Loan Highlights
Purchase with no money down. Refinance up to 100% of your primary home's value. The Seller can pay 100% of the closing costs on a purchase. VA Streamline Refinance with a reduced funding fee and flexible documentation requirements - available for veterans currently in VA loans. No monthly PMI (Private Mortgage Insurance). VA loans are governed by the U.S. Department of Veterans Affairs.
Eligibility Criteria for VA Loans
Must occupy the property as your primary residence. Must be eligible for a new mortgage with VA. Must meet minimum credit score requirement. Must have sufficient income to qualify.
For answers to more of your questions, please visit the U.S. Department of Veteran Affairs FAQ at:
A Great Way to Buy a Home in a Small Community or Rural Area
Are you ready to own a home but are not sure you will qualify due to lack of a down-payment? Rural Development may be able to help you! USDA Rural Development has partnered with Ruoff Home mortgage to help extend 100% financing opportunities to individuals and families.
Highlights of the USDA Rural Development Authority Loan
No Down payment is required. Flexible credit score and qualifying guidelines. No maximum purchase price limit. Closing costs can come from any source including gifts. Repairs and improvements can be included in the loan. 30-year term with competitive rates. No monthly mortgage insurance - you may qualify for a larger loan.
USDA Eligibility Criteria
Must occupy the property as your primary residence. Do not own another home within 50 miles. Have an adjusted household income that is within Rural Development guidelines based on the number of persons who will occupy the home. Purchase a residential property that is located in a Rural Development eligible area.
The Rural Development guaranteed loan program has assisted thousands of customers just like you. Tell your Ruoff Home Mortgage Advisor you want the USDA Rural Development Guaranteed Housing Loan. Assistance options, such as gift funds, grants, seller concessions are allowed and you do not have to be a first-time homebuyer.
One time Close, New Construction Program
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.
One-Time Close Construction Loan Program
If you are ready to start building the home of your dreams, Ruoff Home Mortgage has the perfect construction loan program, allowing you to lock your interest rate before you even break ground.
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing, utilizing a one-time approval and closing process prior to the beginning of construction.
To protect you from market shifts during the construction phase, your interest rate is locked at application. However, you will be given the opportunity to review and possibly lower your interest rate if the market has improved by the time your home is complete.
You can also take comfort in knowing that our in-house New Construction Department works closely with area builders and has a simple draw procedure to ensure that your project budget remains on track as your dream home becomes reality. We also offer the flexibility of a six-month or nine-month construction loan term with interest-only payments during the construction period.
Let Ruoff Home Mortgage help construct the perfect financing option for your new home.
Interest rate locked before ground-breaking
Float down interest rate available when house in complete
FInance options on both purchase of the land and new home construction
Down payments as low as 5%
One approval process and one set of closing costs
6- or 9-month loan term (interest-only payments during construction period)
Fixed rate permanent financing terms from 10 to 30 years.
Loan amounts up to $417k.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.
Your dream home is waiting!
Ruoff Home Mortgage works with the Indiana Housing and Community Development Authority (IHCDA) to provide you a variety of homebuyer incentives.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, MSHDA has a mortgage product to meet your needs.
Helping to Own Program offers a 3.5% down payment assistance grant.
Mortgage Credit Certificate Program provides housing assistance by issuing a federal tax credit to first time homebuyers and other qualyfing borrowers.
Next Home Program offers down payment assistance for those who are not first time homebuyers.
Next Home with Mortgage Credit Certificate Program provides down payment assistance as well as a federal tax credit to first time homebuyers.
Affordable Home Program funds FHA loans for first time homebuyers
My Home Program funds loans with conventional financing for those who are not first time homebuyers.
My Home with Mortgage Credit Certificate Program funds loans with conventional financing and provides a federal tax benefit for first time homebuyers
With over 30 years of experience, Ruoff Home Mortgage makes the process of securing a mortgage simple and straightforward – with no hidden costs and no surprises.
Let me use my experience to help you find the loan program that best meets your needs.
The whole process was smooth and stress free. Adam did a great job, was always there to answer questions and explained everything well. Closed early, couldn't be happier with the service Adam provided.
Very helpful, knowledgeable and professional. Answered all of our questions and really helped us understand each step of the process. Was able to help anytime we needed it.
Adam is the man! You definitely want Adam on your team! He is professional, courteous and fun to work with! Adam provided quick answers for me, on weekends, no less. He was always there for me when I needed him.
In a hurry?
Apply Online Today and Determine Your Financing with Fast Professional Service.