Based on quarterly 98% or better third party customer satisfaction survey data
Alan has been in the lending industry for his entire adult life since graduating from business college with an associate's degree in Accounting. The accounting background was helpful but he most enjoyed the interaction with clients and taking on the role of problem solver. Alan takes great pride in helping buyers get into a new home and finds it personally rewarding to see satisfied customers that return time and again. He attends all of his closings to make sure everything runs as smoothly as possible, from initial application to the closing process. Alan is licensed in Indiana and Michigan and specializes in helping first time homebuyers and those wanting to purchase a second home or lake property.
Alan became familiar with Ruoff Home Mortgage when working on the wholesale side of the lending business in the mid-1990's and knew they had an excellent reputation within the industry. When he saw the team they were putting together for the Michiana area, he couldn't resist the opportunity to get involved. He has been very impressed with the attitudes of every single Ruoff employee and the lengths they go to in order to meet client's expectations and closing commitments. The Ruoff team goes the extra mile to find the best loan program for each customer.
Alan grew up in Syracuse, Indiana but has lived in the Michiana community since 1982. He and his wife of 26 years, Lisa, live in Edwardsburg, Michigan. They have a son, Kyle, who lives in the Tulsa, Oklahoma area with his wife, Carrie. They have been blessed with two beautiful granddaughters and a grandson.
Outside of the office, Alan enjoys golf and boating. He currently serves on a committe supporting the Edwardsburg Sports Complex. Over the years, he has been involved in many community projects including United Way, where he was a unit and division chair; the Exchange Club of Mishawaka; member of the Edwardsburg Lions Club; and trustee and member of the finance committee of his church. Alan has served as Past President for the Northern Indiana Chapter of the Mortgage Brokers Association, Past Chairman of the Homebuilders Association of St. Joseph Valley Showcase, and belongs to the Greater South Bend-Mishawaka Association of Realtors, Inc. as an affiliate member. Give Alan a call and let him go to work for you!
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.
My closing costs actually went down, I was happy that I was given a larger amount to plan for. That way, I knew I had enough to cover, then when it was lowered it made everything so much easier. I have no complaints, I had an excellent experience.
Brian and Stephanie
Thank you so much for everything! We couldn't be happier with how smoothly things went. Hope you have a happy new year!
Alan went above and beyond... and beyond. He was available via email or phone at anytime. He was always super quick to respond. He did stuff for us in the evenings and on weekends. We had a lot of snags to get closed but Alan wouldn't give up and kept the process moving forward.
Everything went well. From start to finish, it was a great experience without a single hitch in the proces. I couldn't be more satisfied.
Larry and Teresa
Thank you so much for all you did for us! You certainly do go above and beyond. We are truly enjoying our new home!! Come by to say Hi. You did an awesome job for us.
Mark and Kathy
We can’t thank you enough. I don’t think you know how many times and in how many ways you have helped us over these many years because this is just the way you are. You were the reason we were able to get this beautiful home. Thank you so much.
Matt and Kelly
It was great for you to push our paperwork through. We thought it would take longer than 2 weeks. Thanks for using your knowledge to help us get the house on our own without a co-signer. You are now in our minds for the future.
Ed and Sue
Kindness like yours makes a difference. Thank you for being so patient and kind and for making closing on our new home such a smooth transition. We appreciate everything you have done for us.
Steve and Heather
Only you could do it the way you did it! We wanted to thank you again for helping us to get into our new home so quickly and easily. You’re great!
Thank you for all of your advice and guidance in buying my first home. I appreciate everything you did for me. I will recommend you to other prospective home buyers.
Kelly and Jeff
We just want to say thanks for all your help during the home buying process. You've been with us through the long haul-thanks for your patience and perseverance in getting us a great mortgage. We’ll be sure to recommend you.
Mike and Amy
We wanted to express our utmost thanks for your help in rescuing our home purchase when we had a problem with another lender. To say that you “saved the day” would really be an understatement!
Alan was very straight and upfront with all my questions and concerns. I truly felt like a part of his family throughout the whole process. He made me feel like he cared that I got into the home we wanted from the first day we met and I believe he did.
Alan Butt was amazing right out of the gate! From my first contact till my closing, he kept us informed, answer all questions and made the whole experience seamless. I have already recommended him to multiple people.
Alan always responded and went above and beyond. He got us in our new home by the date that was needed. It was the smoothest process we could have asked for. Everything was perfect we have no complaints with Alan and will reccomend him to anyone.
I was kept informed throughout the process. My paperwork was easy to access and complete. Any questions I had were answered promptly.
Communication, Top notch!!
Alan and Katia worked very hard hard to get me approved. They also kept me in the loop through every step of the process. I appreciate that after having a bad experience with a bank.
Alan went above and beyond! We think he exceeded our expectations and made our experience exceptional!
Alan was amazing to work with. He is very good at what he does and you can just tell by how well our process went. He always made a point to put our needs first and answered all the questions we had very quickly.
Alan literally went above and beyond. He did a fantastic job and made sure that he did everything he could to make sure that my home buying experience went as smoothly as possible. I will make sure to recommend Alan 110% to any home buyers I know in the future.
I absolutely cannot say enough good words about Alan Butt and all his team members at Ruoff Home Mortgage in South Bend. I am always thrilled when a buyer chooses Ruoff, because I know that Alan will make sure we get closed on time! The timely reporting of the status of the loan process , the thorough care of all "i dotting" and "t crossing," and the excessive "beyond the call of duty" service is beyond description. There will rarely be a transaction with no hiccups, and Alan's experience and persistence helps get all his buyers through each and every one!
The level of communication is outstanding with Alan Butt and Ruoff Mortgage. They are professionals and get the job done. I will always recommend Alan to my clients.
As a Realtor, I am always happy when Alan is the lender for the buyer because I know it will be a smooth transaction. Alan is like a walking encyoclopedia when it comes to mortgages. He is always available for questions and will find the best mortgage to fit a buyers needs. He is always friendly yet professional. If you are looking for a lender, he would be an excellent choice!
I have worked with Alan on multiple transactions and all were smooth and had a very quick clear to close. I love the email updates I received a long the way whether I was on the listing or buying side. Alan is always easy to reach which is very important to me!
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