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What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?


Let's connect!

Please complete all fields.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

Would you like to continue to complete your full application?

No, thanks.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Picture of Beth Garrett
Picture of Beth Garrett

Hi, I'm Beth!

Senior Loan Officer

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

99.71% Customer Satisfaction Rating

Hi, I'm Beth!

Senior Loan Officer

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

99.71% Customer Satisfaction Rating

Let me help you get pre-approved today!

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.

What is your goal?

Buy a Home

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.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you

  • Beth was absolutely awesome! She was always quick and courteous to respond to any questions I had...and being a first time home buyer I had quite a few. She made sure that everything went through as seamlessly as possible and on time. She was awesome! Highly recommend her.

    Frank S, happy client
  • Beth thoroughly explained the whole loan process at our first meeting. She kept us update on every step and if we had any questions she always replies right away.

    Curt S, happy client
  • Very attentive. Very fast response to questions and concerns. I would go with Beth and your company every time!

    Kathy B, happy client
  • As a first time home buyer, there was a lot about the process that was new to me. Beth was a pleasure to work with and she helped walk me through every step of the way. Thanks to her speed and effort we were ready to close 2 weeks ahead of schedule!!

    Daniel G, happy client
  • As I first time home buyer, I was completely clueless. Beth was amazing! She explained everything in detail to me. She answered my many, many questions throughout this process. I had to text her numerous times and she replied quickly and just put me at ease!

    Wendy C, happy client
  • Everything went extremely well. I am so pleased that my husband and I chose to go with Ruoff. The process was smooth and seamless, much better service and expediency than what a bank would provide.

    Karen S, happy client
  • Beth was like working with a good friend. Made the experience enjoyable and welcoming!

    Demi S, happy client
  • Very informative, helpful and great advice in guiding me to the best loan product and options. Beth was amazing and offered excellent service.

    Tim R, happy client
  • Everything was very easy and smooth. First-time buyer and she answered all my questions and was super helpful.

    Rob G, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

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.

Stay connected.

I would love to hear from you!

Call me at (765) 427-7213 or message me below!

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