Amy Robbins
VP | Branch Manager
NMLS: 79210 | GA: 79210 | OH: MLO-OH.79210
Ready for a new chapter in homeownership? I'll be there with you every step of the way.
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97.89%
Customer Satisfaction Score.
Awards
34
Years of helping homeowners like you.
Proudly serving Florida, Georgia, Illinois, Indiana, Michigan, Ohio
Meet our happy homeowners***
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Loans Designed to Meet Your Individual Needs
Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.
A Bit About Me
I've been helping individuals and families achieve their dream of homeownership since 1992. As a Purdue University graduate with a degree in Financial Planning, I'm passionate about making the mortgage process simple and stress-free. I believe informed clients make confident financial decisions, so I take the time to explain every step—from credit and budgeting to loan options and long-term strategies. Whether you're buying your first home, your next home, refinancing, or investing, I'll provide personalized guidance and exceptional communication to help you make smart financial decisions and achieve your homeownership goals.
?? Boilermaker for life: I’m a Purdue graduate and a big Purdue basketball fan.
?? Dog mom: Our silver Lab, Bruno, is definitely part of the family—and may be a little spoiled
????? On the move: When I’m not working, you’ll often find me working out, walking the Monon Trail, or planning my next trip.
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
12x 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.
A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.
Your mortgage rate directly affects your monthly payment. A lower rate can mean a lower payment and less interest paid over time, while a higher rate can increase your monthly cost. Even small changes in your rate can make a big difference, so I’ll help you understand how it impacts your overall budget.
A VA loan is a government-backed loan that allows eligible veterans, active-duty service members, and certain military families to purchase a home with no down payment and competitive interest rates. It’s designed to make homeownership more accessible for those who have served, and I’ll help you take full advantage of those benefits.
An FHA loan allows you to purchase a home with a lower down payment while also offering more flexible credit requirements. This makes it a popular option for first-time buyers or anyone looking to get into a home sooner without needing a large upfront investment.
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.
Closing costs typically range from 2-5% of the home’s purchase price and cover fees like appraisals, title insurance, and loan processing.
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.
Yes, you can buy a home while paying off student loans, even with significant debt, as long as you meet credit, income, and debt-to-income (DTI) requirements. Ruoff Mortgage assesses your total monthly payments, not just the total loan balance, to determine affordability.
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.
To determine how much mortgage you can afford, use the Ruoff Mortgage Affordability Calculator, which estimates your maximum home price based on income, debt, and down payment. Generally, lenders recommend keeping your total monthly housing payment (principal, interest, taxes, insurance) between 25% and 36% of your income.
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.
A pre-qualification is an initial estimate based largely on the verbal information you provide. A pre-approval goes further by reviewing your credit, income, assets and debts to determine your financing options. A pre-approval gives you greater confidence in your budget and shows sellers you’ve taken important steps toward being ready to buy.
A pre-approval tells a seller you’re financially qualified to purchase their home. Reviewing your income and asset documents allows us to verify the information on your application and identify potential issues early. My goal is to make sure you have a solid financing plan so you can confidently make an offer when you find the right home.
A Ruoff Step Ahead Pre-Approval takes your pre-approval one step further by having an underwriter review your income, assets, credit and loan application before you find a home. This can give you greater confidence in your financing, strengthen your offer with sellers and help make the mortgage process smoother once you’re under contract.
You may have more options than you think! Depending on your income, equity and financial goals, we can explore strategies such as a HELOC, bridge or buy-before-you-sell financing, or qualifying with both homes. Once your current home sells, you may also be able to use the proceeds to pay down and recast your new mortgage. I’ll help you compare the options and create a plan that works for you.
No. There are mortgage options available for a wide range of credit profiles. Your credit can affect your loan options, interest rate and mortgage insurance, so we’ll review it together. If you’re not quite ready, I can help you create a plan that will tell you exactly what to do and how long it will take to improve your credit and prepare for homeownership.
Earlier is usually better—even if you’re months to years away. We can review your credit, savings, budget and financing options and identify anything that needs attention. You don’t have to be ready to make an offer to start preparing for homeownership. If you are reading this you are thinking about homeownership which means we should talk today!
Avoid opening or closing credit accounts, financing a car or large purchase, changing jobs without discussing it with me first, or moving large amounts of money between accounts without documentation. Even small financial changes can affect your approval, so contact me before making a significant change. Avoid using buy now, pay later accounts. Maintain positive bank balances...no overdrafts, NSF's or negative balances.
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My Latest Blogs
How to Get an 800 Credit Score: Practical Steps for Homebuyers
Aug 12, 2026
Reaching an 800 credit score opens doors to stronger mortgage options and better terms when you're ready to buy. Many residents here aim for this milestone because it reflects solid financial habits that lenders notice. The good news is that consistent, everyday actions can move your score in the right direction.
Read More
Unlocking the Power of Owning Multiple Properties in Central Indiana
Aug 5, 2026
Owning multiple properties opens doors to long-term financial growth that many Central Indiana residents are discovering every year. Whether you're eyeing a second home near the Monon Trail or building a small portfolio of rentals in growing suburbs like Fishers or Carmel, this approach can create steady income streams and build equity over time.
Read More
Remote Work and Relocation: Financing Your Move to Central Indiana in 2026
Aug 5, 2026
Remote work continues to reshape where families choose to settle, and Central Indiana remains a popular destination for those seeking affordable housing paired with strong community ties. Many professionals are trading longer commutes for the flexibility to live in places like Carmel, Fishers, or the broader Indianapolis suburbs while keeping jobs based elsewhere. Financing that move requires understanding how lenders view employment stability when your workplace is no longer a physical office.
Read More
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.*