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Picture of Andrew Paino
Picture of Andrew Paino

Hi, I'm Andrew!

Home Loan Consultant

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

98.48% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Andrew!

Home Loan Consultant

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

98.48% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

As a Home Loan Consultant specializing in refinancing, I strive to help guide and educate my clients to feel informed and comfortable with their refinance application. My customer service philosophy is to treat every customer with respect and to make their experience as stress-free as possible. To that end, I strive to let my honesty, knowledge, and integrity help you navigate this process in a speedy and smooth manner. Refinancing your home is an important decision and it is my honor to help you reach your financial goals!

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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*

  • 5.0
    Rating source icon

    Hannah and Andrew were the best. I feel like I made a friend in Andrrew. He even texted me asking about a family member who was paralyzed and asked for updates and still continues to pray for her. That means the world to me. To be just as worried about her as he was making a deal and getting a commission (?) I don't know if he does but he should get double for that. Andrew and Hannah both were seemingly available from daylight to dark and beyond. If you get rid of them you will be getting rid of 2 assets that I don't think you could truly replace. The person yes, but the commitment to making sure everything goes smoothly on both ends, you will NEVER BE ABLE TO REPLACE!! At the very least they should be given a free dinner for them and their families, and not McDonald's. They were wonderful and great and a true pleasure to work with.

    Kenneth E M.

    Cincinnati, OH, April 5th, 2024 11:12 AM

  • 5.0
    Rating source icon

    Andrew was a pleasure to work with. I felt he worked as hard for and my needs as he did for Ruoff to get my business. He has life long customers with us for that reason. Emma was just as exceptional when it came down to her end of the process , answered every question we had and explained a couple we didn't think to ask. Ruoff is very lucky to have team members that work like they do and represent your company as well as they do. They really care and it shows. Thank you so much for all your help and caring for our family like you did.

    Royce P.

    Elkhart, IN, December 27th, 2023 11:20 AM

  • 5.0
    Rating source icon

    Andrew was the reason I went with Ruoff and I wasn't disapointed.

    Peter L.

    January 19th, 2023 02:22 AM

  • 5.0
    Rating source icon

    Nice, non aggressive sales pitch, honesty and like the online process

    Kassandra P. W.

    Mc Caysville, GA, June 7th, 2024 07:44 AM

  • 5.0
    Rating source icon

    Andrew and Hannah were a pleasure to work with. They kept me very well informed every step of the way.. The overall timeline was faster then expected.

    Rebecca L.

    Somerset, KY, May 13th, 2024 01:20 PM

  • 5.0
    Rating source icon

    Andrew was so easy to work with. He answered most questions before we had to ask. He stayed on top of everything & we never waited for him to do anything about the loan. Very pleasant to work with!!

    Stanley L M.

    York, SC, April 14th, 2024 03:07 PM

  • 5.0
    Rating source icon

    All was perfect

    Winifred Antonette S T.

    St Augustine, FL, April 15th, 2024 11:09 AM

  • 5.0
    Rating source icon

    Both Andrew and Emma were both very helpful and made the process go smoothly.

    Stacy J.

    Eastpointe, MI, December 20th, 2023 02:22 PM

  • 5.0
    Rating source icon

    The overall experience was Excellent! Everything was done in a timely manner. Communication was superb.

    Tavara Danielle H.

    Jacksonville, FL, April 4th, 2024 11:52 PM

  • 5.0
    Rating source icon

    Yes I am very happy

    Julia B. J.

    Albion, MI, April 4th, 2024 11:37 AM

  • 5.0
    Rating source icon

    Andrew (and everyone else involved in the process) was very helpful and knowledgeable. Great team!!!!

    John A D.

    Ormond Beach, FL, March 29th, 2024 10:14 AM

  • 5.0
    Rating source icon

    I was very pleased how informed you kept us. I would highly recommend to everyone.

    Dewayne M C.

    Lynch, KY, February 23rd, 2024 03:41 PM

  • 5.0
    Rating source icon

    Wonderful communication and customer service across the board with everyone at Ruoff.

    Erica S. M.

    St Petersburg, FL, February 5th, 2024 11:03 AM

  • 5.0
    Rating source icon

    Quickly simple easy and stress free

    Patricia Best A.

    King, NC, January 5th, 2024 07:52 PM

  • 5.0
    Rating source icon

    From application to closing, everything went so smooth and amazingly fast!

    Micah D G.

    Dayton, OH, June 13th, 2023 12:10 PM

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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.

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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.

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I would love to hear from you!

Call me at 260.230.3291 or message me below!

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