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My customer service philosophy is rooted in respect, honesty, and clear communication. I understand that buying or refinancing a home—especially for first-time homebuyers—is a major life decision, and I’m committed to making the process as smooth and stress-free as possible. Whether you're purchasing your first home or refinancing an existing one, I provide reliable guidance every step of the way. Licensed in both Indiana and Michigan, I’m proud to help clients navigate their home financing journey with confidence and clarity.
From finding your perfect home to moving in, we've got you covered.
Need a lower monthly payment, or want to get cash out? Learn more about your options.
Get your house on the market, and look for your next home!
It was an absolute pleasure to work with Amy Helmen! She is EXTREMELY KNOWLEDGEABLE AND PLEASANT!! I will with out a doubt refer any and all friends and family over to Amy at Ruoff! Thank you for making this process easy and efficient! The communication was top notch as well! Thank you Amy!!!
Micheal A M.South Bend, IN, May 18th, 2023 12:37 PM
Amy provided an excellent experience! One of the best professionals we have encountered in the overall home buying experience. Thank you!
George E M.Granger, IN, May 22nd, 2023 11:22 AM
Amy was extremely transparent and assisted with all questions I had throughout the home-buying process!
COURTNEY N M.Elkhart, IN, June 5th, 2023 11:56 AM
Thank you Amy! You were a pleasure to work with!
Ilysa L R.South Bend, IN, July 23rd, 2023 06:09 PM
Amy Helmen was fantastic to work with. She made the whole loan process very easy to navigate!
Patricia C O.Granger, IN, July 24th, 2023 12:13 PM
Everything was great!
Joseph M S.Granger, IN, July 25th, 2023 12:07 PM
Amy did an amazing job of communicating and shepherding the mortgage process through until the very end. Incredibly easy to work with and highly professional.
Brian O.Plymouth, IN, August 1st, 2023 04:57 AM
Amy’s expertise was invaluable throughout my home-buying/loan-securing process. She is so helpful, knowledgeable, and organized, and handled every step of the process so professionally and efficiently, going above and beyond to make the process as easy as possible. Working with her made what could have been a very stressful endeavor very clear and straightforward, and saved me so much time and stress! I highly recommend Amy and Ruoff Mortgage.
Sarah C B.South Bend, IN, August 7th, 2023 12:49 PM
Amy is the best in the business and there is no one I would trust more!
Jared B.Granger, IN, August 15th, 2023 10:02 AM
The process went flawlessly, and Amy was amazing to work with!
Chad R B.Goshen, IN, September 2nd, 2023 01:34 PM
Easy to work with and was always quick to help with anything I needed! Would recommend to anyone :)
Ian G.Elkhart, IN, September 4th, 2023 11:02 AM
Amy was there for us from the very first phone call, while we were on the other side of the country, in a different time zone. She answered every single question timely, often within a minute, and kept us appraised as to the process, what to expect next. She greeting us as we flew in to be present during the home inspection, and asked if there is anything else she can offer to do to assist us, which she did. She coordinated with the broker, as they have done business together, and was sensitive to our Holiday schedule needs as well. Amy gave us referrals, of vendors that she had experience with locally. There isn’t anything that we could have dreamed of going smoother. I will, without promising gladly refer her to assist any other home purchaser in the future. Amy’s professional ability and friendliness is the best. Thank you, Harry and Karena Green
Harry G.South Bend, IN, October 9th, 2023 12:45 PM
Honestly, everything was so easy and understandable. Amy did an incredible job explaining every step and was so patient with us (first-time home buyers). She has really strong communication skills and made everything easy to understand.
Elizabeth O.MISHAWAKA, IN, November 13th, 2023 08:59 AM
Branches throughout
the US.
Customer Satisfaction Score.*
Days or less average
clear-to-close.**
Years of helping
homeowners like you.
Milestones updating you throughout the process.
Minutes at the closing
table on average.
*Based on
2025
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:
**
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:
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.