High Contrast:
Get Started
Picture of Adam Garman
Picture of Adam Garman

Hi, I'm Adam!

SVP | Retail Production Manager

I will work hard to help you achieve your homeownership goals.

99.67% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Adam!

SVP | Retail Production Manager

I will work hard to help you achieve your homeownership goals.

99.67% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Hello and welcome to my corner of the mortgage world! My name is Adam Garman, and I've been passionately serving as a loan officer since 2004. Currently, I proudly hold the position of Senior Vice President Retail Production Manager for Ruoff Mortgage, where I lead a dynamic sales team of loan officers across the Midwest. My journey in the mortgage industry has been driven by a simple philosophy: exceptional customer service is the cornerstone of success. I believe that being there for my clients every step of the way is crucial to building lasting relationships.

Whether it's providing trustworthy advice or maintaining constant communication throughout the loan process, I'm committed to ensuring my clients have a smooth and stress-free experience. In addition to leading a dedicated team, I remain personally involved in originating loans. I have my own personal lending team, consisting of another highly skilled loan officer and two extremely talented loan officer assistants. This setup allows me to combine my experience and expertise with the collaborative strength of a passionate team, ensuring we deliver top-notch service at all times. One of the most rewarding aspects of my work is creating personal and lifelong bonds with my clients and partners. My goal is to be more than just a mortgage resource – I want to be a trusted advisor they can turn to for any future financial needs. Building these meaningful connections is at the heart of my mission as a loan officer. 

Beyond my professional life, I'm an avid sports enthusiast, and you can often find me at live sporting events and concerts. I proudly support the Colts and Yankees, and you can count on some exciting game-day conversations if we ever meet! When I'm not busy assisting my clients or enjoying a game, I indulge in my hobbies – golf and billiards. For the past 15 years, I've been an active member of a billiards league, sharpening my skills and enjoying the camaraderie of fellow enthusiasts. As for golf, there's nothing quite like spending a beautiful day on the course, honing my swing and reveling in the serenity of the game. But above all, spending time with my cherished friends and family is what brings true joy to my life. Whether it's bonding over sports, sharing a laugh, or exploring new adventures together, these moments hold a special place in my heart. 

I'm excited to connect with you. If you're looking for a mortgage expert who will treat you like family and go the extra mile to meet your needs, I'm here to make your dreams a reality. Let's take the next step together!

Get Started

President's Club Member

President's club seal 2018
President's club seal 2019
President's club seal 2020
President's club seal 2021
President's club seal 2022
President's club seal 2023

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you*

  • We really enjoyed working with the whole Garman team, it really felt like working with family. We couldn’t have asked for a better, more knowledgeable team. They were constantly on top of everything and emailed/texted/called back almost instantly every time. Jon, Adam, Melissa, Melissa, and Angie made our first time home buying process seamless. We cannot thank them enough.

    Abigail G, happy client
  • I really like the team at Ruoff, I thought the customer service provided was above and beyond. Thank you Melissa Mercer and Adam.

    Rusty D, happy client
  • Everything moved along fast and smoothly and loved how Ruoff consistently stay in touch and let us know everything that was going on

    Brian T, happy client
  • Adam was very kind in the explaining process of everything. This was all so new to me and I didn’t know what anything meant. He was very clear and understanding.

    Courtney S, happy client
  • I appreciated that Adam was able to remember specific details about my mortgage process, and was as helpful as I needed him to be.

    Kierra W, happy client
  • Everything went as Adam explained it would, and I couldn't have imagined anything going differently.

    Howard J, happy client
  • everything went really well pertaining to the Ruoff team! they did everything they said they would and more :)

    Marci P, happy client
  • Just the attitude and urgency of the team, from Adam and Jon to both Mel’s. They were all on top of things through the whole process.

    Brandon S, happy client
  • I really liked how available Adam made himself to us. It was very helpful because I'm a nurse and my work schedule varies all the time so it was nice he was available during non-business hours.

    Sara C, happy client
  • We had to move quickly on finding a new lender that could process a pre-approval as well as handling our loan. Adam and the Ruoff team went above and beyond in getting everything taken care of from starting the application to even after the closing.

    Randy W, happy client
  • Ya'll know how to get things done and in a reasonable manner too.

    Jason P, happy client
  • Adam Garman was just fantastic in the whole process, working very hard in all aspects to get the loan approved. This was much appreciated. He was ably assisted by Melissa Vanmeter, who was also superior in her interaction with us. We were extremely happy with the whole exprience.

    James V, happy client
See More

Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS #141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

** The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

Stay connected.

I would love to hear from you!

Call me at 260.348.0905 or message me below!

Download our !