My career in the mortgage industry began 38 years ago! I was employed with Waterfield Mortgage as a Closing Agent and later as a Loan Processor and for the last 18 years as a loan originator. I owned my own mortgage company for 3 years and worked as a branch manager for over 10 years. I have worked with many purchasers, sellers, realtors and builders and know what it takes to get your transaction to the closing table in a timely fashion.
I have lived in Fort Wayne since I was 9 years old and have enjoyed the many activities that The Fort offers! In my leisure time, I enjoy my family! My husband and I have 6 children, 2 grandchildren, and another one on the way! I love to spend time with them, making family dinners and just enjoying their individual differences and activities that they participate in which varies from going to rock concerts to watch my sons play then to musicals, plays and marching band to watch my grandson and niece participate in those! My husband and I also enjoy time with our friends and we are active in our church and members of The Chapel.
My work philosophy is to listen carefully to each prospective homeowner so that I can provide them with the very best mortgage product that is best for their individual needs! Great customer service and honesty is what I strive for most and I believe it brings my customers back to me for new purchases and refinancing. I look forward to working with my customers, many of whom have become friends. It truly is a blessing to now be able to say I work with my customer's children and sometimes grandchildren! My goal is to be your mortgage banker for life!
We are fortunate that we have experienced and expert staff to provide you with an overall wonderful mortgage experience. Since our processors and underwriters are in-house, that enables me to provide my clients with superior customer service! Also, since I have access to multiple investors, I can provide you with the best product and lowest interest rate on every transaction.
I am thrilled to be part of Ruoff Home Mortgage! I started with Ruoff in January, 2009 and it's been the most wonderful place I have worked in 38 years! I love the hometown bank feeling, but even more than that, I love the family atmosphere that we have here at Ruoff. Everyone -- set-up person, processors, underwriters, closers, originators and managers all work together to do whatever it takes to get the job done! I love that I can count on my company to do everything it can to provide the best customer service to my customers! Nothing could be any better than that!
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.
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:
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.
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.
Having Brenda as a loan officer is what was done really well!!
Brenda is absolutely outstanding! Besides her wonderful attention to detail, she is warm and caring. I also appreciated Brenda's sensitivity to my desire for a quick turnaround process. She moved my loan through as quickly as possible.
Brenda is an outstanding wealth of information and patience. I ask a lot of questions. She was able to answer them all, in terms I understood. Also, the modern age of e-mail, helped get all the closing documents done right.
Brenda was great about communicating & was always upbeat, and she found a program with Indiana Housing to allow me to make my Down Payment.
John & Glenda F.
Brenda kept of informed of the latest happenings with our loan process and moved things along in a very timely fashion. She explained exactly what paperwork was needed from us to get to closing on the scheduled date.
The loan approval was very fast. Brenda responded to all of our emails and phone calls quickly.
Brenda is awesome!
Brenda went on vacation, but she informed us this was going to happen beforehand. She made great arrangement with the team and no one missed a best. We closed in 3 weeks despite her vacation. GREAT JOB!!!!!
Overall process went very smoothly and Brenda was on top of everything from beginning to end. I was especially impressed with how quickly Brenda was to respond to my questions.
I loved the way you guys communicate! I was able to email Brenda several times a day and she was very speedy in her responses.
Customer care from the beginning of the process all the way to the end.
Feedback from Brenda was excellent she returned emails / text from us promptly I realized our application would be somewhat challenging due to self-employed aspect but you handled that very well and on timely basis.
Our experience with Ruoff was superb! Brenda was extremely knowledgeable, flexible, and very helpful through this process. We would recommend Ruoff to everyone!! Thanks so much Brenda!!
Communication was awesome.
Getting everything done as I asked.
Brenda was amazing I have used her for my last 4 home purchases. She is very knowledgeable and friendly and a great asset to Ruoff. I wouldn't have trusted anyone else. Thank you for everything I was very satisfied with my loan process. Closing was right on time.
She made me feel comfortable and that I could ask her anything without feeling stupid.
Brenda exceeded my expectations both with my original home purchase & then this re-financing. Very professional and personable at the same time.
Ruoff made buying my new house very easy. There was some very frustrating things that happened but Brenda always reassured me and helped me through it. I was kept informed on every step of the process and love how quickly everything was done.
I have been working with Brenda for many years - she knows my history and has maintained my file to where she knows the challenges I face due to a past divorce that impacts my credit unnecessarily.
Overall great customer service. Brenda was always friendly, returned my calls and email quickly, and really went the extra mile.
Brenda was fantastic. Very punctual and easy to talk to. She worked at my speed and made sure to explain everything that a first time home buyer needed to know. She was very knowledgeable and I will suggest her to everyone.
In a hurry?
Apply Online Today and Determine Your Financing with Fast Professional Service.