Based on quarterly 98% or better third party customer satisfaction survey data
I love spending my free time with my friends and family. I am a huge sports fan and enjoy rooting for the Indianapolis Colts and New York Yankees. In addition to sports I also enjoy playing card games, golf, as well as participating in a weekly pool league with some family members and close friends through the North American Poolshooters Association.
I first began in the financing industry back in 2004 with a local mortgage company. In May of 2010 I was given the opportunity to work here are Ruoff Home Mortgage. 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 sound and reliable advice.
I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and Conventional lending. Everything is in house, once your begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing home to save you money!!
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.
I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!
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.
Adam went above and beyond to treat you like a client and not just a customer with a number. Th
Adam was super easy to work with! Not only was he available practically anytime I had any questions, he took the time to actually make sure I understood the information! I would highly recommend him.
Brice and J.
He explained everything in a simple way and made our first time buying experience a stress free one.
My husband and I were mutually impressed with the quality of the customer service we received, not only from Adam, the supporting individuals assigned to our account were prompt, confident, and made this whole process very enjoyable.
Adam worked great for me. He called every day to keep us up to date and he operated very fast and efficiently! Adam's timelines either met or exceeded our expectations and got us in our new home fast.
Dick & Anita
Adam and Sally were extremely helpful, prompt and went far beyond what was expected. It was an extremely great experience.
I really liked that Adam was always updating me on the process of my mortgage loan and wanted to make sure that I understood the whole process.
Barry & K.
We are extremely thankful for all you did for us, especially with the limited time you were given, and look forward to working with you again in the future..
Everything went along fast and exactly how it was explained to me. Adam always answered my questions and I could always reach him or he would return my phone calls as quickly as he could.
Alex & T.
I really liked how any time we had a question or problem Adam made sure he got back with a answer as soon as possible. He was great to work with and will definitely recommend him to others.
Bob & L.
Adam listens so well to what you are planning and how the mortgage type, interest, terms, etc. fit your situation! All he did was absolutely on par to our wants! I would very highly recommend working with Adam.
Adam did an excellent job with the whole process and I am very pleased with what he did and his knowledge of the loan process.
Adam always returned our phone calls, and even gave us his cell number to contact him. He called me back so promptly that it made an impression.
Kelli & T.
Adam was always very helpful and got back with me right away with answers to my questions.
The closing process was quick and easy. They explained everything so we could understand.
Adam was consistent contact and updating me on the status of the loan, he also makes you feel like a personal client instead of just another run of the mill client.
Adam Garman was exceptional! He did a fantastic job and made sure he was attending to our needs the entire time. He was open, honest and straight forward the entire time which was greatly appreciated.
Dawn & David
Adam is always warm and professional, quick to respond.
Greg & C.
We always received an immediate response when I had a question and never felt like I was intruding on Adam's time.
Dean & D.
Adam was a superb professional to work with. Your whole office staff seemed "clued in" to what was going on. When we called your office, we were treated as people, not just numbers.
Adam stuck with me and really helped me understand what was going on in the process. My first mortgage was a nightmare and Adam put me to ease that it should not have been that way.
Communication was great. If I had a question, Adam was able to answer it no matter what. Things were well organized, and I was kept informed where things stood with the loan process via the app or an email.
Adam always called or texted me right back. He was a great help and always willing to listen and help.
I have never in my life had such great service. Adam returned my calls and emails within minutes, always ready with explanations and answers. He managed to take my application and close in about 2 weeks. Totally unheard of. My credit union never returned calls or advised me of any problems. Most disturbing, they told me they could not loan on my chosen property. My realtor, Becky Freeman, contacted Adam and everything fell into place, from application to closing. He was there every step of the way. There was nothing that went wrong once Adam was involved.
It was an easy process, the communication between every person I spoke to was phenomenal.
Adam was prepared to tackle a backup plan when we thought our sale might fall through, but our purchase was still on track... Even though it was a stressful time, I knew that he had our backs and it would all work out. It did; he made it so easy for us
Adam was really patient with me and answered my questions in terms that were easy to understand. He was super fast, never pushy and, and super friendly. He made the process fast and easy!
I appreciated Adam's availability. He answered my calls and texts quickly, even on the weekends.
I appreciated Adam's attention to detail, and even though I'm sure he was dealing with several on-going projects, he was able to make me feel like I was always a top priority.
Adam was amazing. To say he went above and beyond was an understatement. We have recommneded Ruoff and especially Adam to many of our family and friends.
I refer all of my buyers to Adam. He knows his stuff and I am always confident that he will guide my clients in the proper direction. I know that he will help them through every step of the buying process. Adam is a wonderful communicator!
Thank you for getting the loan process done so quickly. I really appreciate your hard work and diligence.
Thanks again for all your efforts. You are so Awesome!
Hi and thank you for all of your help. It sure makes me feel so nice to know our clients are happy!!!
Adam does a great job keeping my clients and I updated on where we are at in the process. This helps me keep my clients happy and gets us to the closing table faster and with fewer surprises.
In a hurry?
Apply Online Today and Determine Your Financing with Fast Professional Service.