Adam Garman
SVP | Retail Production Manager
NMLS: 124792 | KY: MC769465 | OH: MLO.050586.000
Ready to help make your homeownership dreams come true through advocacy, guidance, and education.
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100%
Customer Satisfaction Score.
Awards
22
Years of helping homeowners like you.
Proudly serving Florida, Illinois, Indiana, Kentucky, Michigan, Ohio
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A Bit About Me
It's been a privilege to help families navigate homeownership for 22 years, whether you're a nervous first-time buyer, move-up client, investor, or refinancing. I focus on clear, proactive communication that cuts through the jargon so you always know the next step and feel supported. Seeing that moment when a first-time buyer realizes it's actually possible is what I love most, and I stay available long after closing as your trusted advisor whenever questions come up.
Outside the office, I recharge by taking my RZR out on the trails, hitting the links for a round of golf, or relaxing by the pool. If you're ready for straightforward guidance and a relationship that lasts, let's connect and get started on your goals.
I still originate loans myself while leading a team of 250 loan officers across four states, because leading by example never goes out of style.
I’ve played in a weekly billiards league for 20 years. It’s one of the best commitments I’ve ever made. I cherish the time with great friends and family, while playing a game I genuinely love.
I believe the best business relationships start as real friendships. That’s why I intentionally mix family, hobbies, and work whenever I can, the connections last longer that way.
When I’m outside the office, you’ll usually find me on the golf course, tearing up trails with friends in my RZR, or by the pool with family and friends.
I run on consistency and value-first thinking. If I can help someone win before I ever ask for business, that’s a good day.
Awards & Achievements
Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
President's Club
6x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.
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.
If mortgage rates change before you lock your rate, your quoted rate can go up or down with the market. Once you lock your rate, you’re protected from increases during the lock period – but you also won’t benefit if rates drop. I’ll help you stay informed so you can make the best decision for your timing and goals.
Refinancing with Ruoff Mortgage is a straightforward process designed to help you meet your financial goals – whether that’s lowering your monthly payment, shortening your loan term, or accessing cash from your home’s equity. I’ll guide you through your options and help you decide if refinancing makes sense for you.
We offer a comprehensive suite of home loan products, including conventional, FHA, VA, USDA, jumbo, and reverse mortgages, for both purchases and refinances. We specialize in unique financing options like renovation loans, new construction loans, and specialized programs such as HomeNow™ down payment assistance.
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.
PMI is insurance for the lender if you put less than 20% down on a home. It can be removed once you build enough equity.
With Ruoff Mortgage, the average time from application to clear to close is just 15 days.* That means from the moment you apply to the moment you're ready to close, the process can move quickly and efficiently.
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.
Your monthly mortgage payment typically consists of PITI: Principal, Interest, Taxes, and Insurance. This combined payment often includes an escrow account to manage property taxes and homeowner's insurance, along with potential mortgage insurance, ensuring your payments are simplified and covered.
Have a question we didn't cover?
Ask me directly.
My Latest Blogs
Home Appraisal vs. Home Inspection: The Hilarious Head-to-Head Battle Every Fort Wayne Homebuyer Nee
Jul 29, 2026
Buying a home in Fort Wayne, Indiana? Congrats—you're about to dive into the wild world of home appraisal and home inspection, two processes that sound like they belong in a spy thriller but are actually your best friends (or frenemies) in the buying game. Picture this: one's sizing up your dream pad's dollar value like a judgmental art critic at an auction, while the other's poking around like a nosy aunt hunting for family secrets. Get them confused, and you might end up overpaying for a money pit or missing out on a steal. In this post, we'll break down the key differences with enough laughs to keep you from crying over closing costs.
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Underwriting Uncovered: The Hilarious Behind-the-Scenes Spy Game Lenders Play
Jun 18, 2026
Underwriting Uncovered: The Hilarious Behind-the-Scenes Spy Game Lenders Play
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Underwriting: What Lenders Really Check Behind the Scenes (And Why It Feels Like a Surprise Pop Quiz
Jun 18, 2026
Hey Fort Wayne folks, if you're house-hunting in our neck of the woods—maybe eyeing that charming bungalow near the Three Rivers or a fixer-upper in the '07—you've likely run into the word underwriting more times than you've refilled your coffee at the farmers market. It's the behind-the-curtain process where lenders peek at your financial life like a nosy neighbor checking who's moving in next door. But don't panic; it's not as scary as it sounds once you know the playbook.
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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.*