Based on quarterly 98% or better third party customer satisfaction survey data
I graduated from Indiana State University with a degree in finance. Soon after graduation I started my career in the real estate industry. In January 2005 I started working for a builder and sold homes since December 2012. During my 8 years in sales I enjoyed interacting with the customer while they look for, or build, their dream home.
In January 2013 I decided to transition to the mortgage business. I enjoy working with numbers and the interaction with the customer. In the mortgage business I get to do both. I have always believed the best customer service is made by setting the proper expectations so you know what to expect throughout the process, and to follow up in a timely manner.
My goal is to build relationships with the top real estate agents, and new home counselors, in the Indianapolis market who also believe in taking care of the customer first. With my experience on the front end of the sales process I understand what is expected from the real estate agent and the customer. Buying a home can be an overwhelming and stressful time but I want to make the experience an enjoyable one for everyone involved.
Areas of Expertise During my 8 years in sales I worked with all types of buyers ranging from those who needed help increasing their credit scores so they could purchase their first home, to those who were purchasing their 3rd or 4th home. I have the experience to assist you with an FHA, Conventional, VA, USDA, Indiana Housing Bond, MCC programs, Next Home and Home Improvement loans including 203K and Homepath. I am also able to service your refinancing needs with our Streamline, Cash-Out or Rate/Term programs.
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 did a great job at showing me my options for a mortgage. He took the time to work on numbers for me for 2 different loan types the same evening we had spoke on the phone, and he had the information ready for me the next morning.
Adam was professional and proficient throughout the entire process. He was excellent about returning phone calls and emails. I will happily recommend him, and Ruoff, to friends and family. A job well done!
Both Adam and Kathy understood my financial situation in preparing for my purchase.
Adam was able to answer any and all lingering questions my wife and I had about our new home. Everyone that i had an encounter with in the office was outstanding including the receptionist at the front desk, until the end of the entire process. we hone
Communication!!! My loan officer and Mrs. Kathy Keller kept me extremely informed throughout the process. Even when we faced challenges they both kept their composure and communicated options. Communication is Key & these two were "EXCELLENT"!!!!
Communication- whether via phone or email and the updates are very helpful.
Being that we did our entire mortgage process via phone, emails, and online it was incredibly easy. It was nice being able to submit forms via Dropbox and wasn't tied down to "business hours" of communications. This helped a lot since I worked third shift.
Adam is a gem! Whenever I was feeling stressed, he calmed me down with his calm demeanor. He is extremely knowledgeable and I will always recommend him. He kept me informed through every step of the mortgage process. He is a definite asset for Ruoff!
Adam was very easy to work with and put in time even on weekends!
Responsive and kept me up to date as far as the status of loan from start to finish.
Adam Vogel was outstanding from start to finish. We trusted him with everything and he went above and beyond to help us with everything we needed to get into our dream home.
There is nothing more important to me as a Realtor than working with a lender that I think will follow through with a transaction. Between Melissa's ability to do that and her excellent level of communication, I would highly
Mark Willen with Ruoff Home Mortgage has helped many of my clients secure home loans, with great results, over the last 4 years that Maggie and I have known him. And he has also worked with more than a half dozen agents in ou
I have had the pleasure of working with Jan Edwards over the past couple of years with great success! Jan is a very ambitious and detailâ€oriented mortgage loan officer and I like her enthusiasm. Without a doubt I can refer
Ryan is one of the best lenders I have had the pleasure of working with. Keeps in communication, always on time to close, very knowledgeable about all programs, and makes it very easy to go through the whole closing process.
Carol is someone that I trust to take care of my clients on the lending side of a real estate transactions! She is friendly, patient, knowledgeable and is attentive to every detail of the mortgage process.
Cheryl Russell, Aames T.
Justin is very knowledgeable about his job and is very friendly and wants the absolute best for his clients
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