When will I know my mortgage rate?

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.

What does a mortgage calculator do?

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.

What credit score do I need to qualify for a mortgage?

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.

What documents do I need to apply for a mortgage?

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.

Brian Huff | Mortgage Loan Officer

Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Brian Huff

VP | Branch Manager

NMLS: 543388

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio

Apply Now Call Brian

99.51%

Customer Satisfaction Score.

Awards

Proudly serving Florida, Indiana

Meet our happy homeowners***

View All Testimonials

Gretchen C.

New Castle, IN, Aug 17, 2026, 12:09 PM

5.0

Brian was the best! He was on point with communication and letting us know what we needed to do to make the home buying process go smoothly . He always updated as soon as he had information for us . We enjoyed our experience and highly recommend using Brian from Ruoff mortgag!

Chastity H.

Connersville, IN, Aug 14, 2026, 3:18 PM

5.0

I can't say enough about Bryan! This is the second home I bought with him and he has been amazing throughout the process.

Traci R L.

ANDERSON, IN, Aug 13, 2026, 3:04 PM

5.0

Brian was so quick to respond to our questions and made the whole process super easy!

Jacob Taylor B.

Muncie, IN, Aug 12, 2026, 3:14 PM

5.0

Brian was extremely good about getting all of my documents submitted and keeping me updated throughout the process. He was also very good about communicating with my realtor and staying on top of things.

Adam J S.

Cambridge City, IN, Aug 10, 2026, 2:15 PM

5.0

The whole team was amazing They helped us in more than just finding, qualifyin, and completing the many things invilved in buying a home. my husband and i I have tried to find a new home for many many years and wveything has always fallen through the cracks . We are so incredibly grateful for all of you and making this dream come true and helping our family of two become a family if of 3 when our precious little girl meets us in december!! Thank you all again from the bottom of our hearts

Derek B.

New Castle, IN, Aug 2, 2026, 1:00 AM

5.0

Brian was there to answer every question that we had and always responded quickly. I am already a repeat customer with Brian and would definitely come back for any other homes I purchase in the future!

Gretchen C.

New Castle, IN, Aug 17, 2026, 12:09 PM

5.0

Chastity H.

Connersville, IN, Aug 14, 2026, 3:18 PM

5.0

I can't say enough about Bryan! This is the second home I bought with him and he has been amazing throughout the process.

Traci R L.

ANDERSON, IN, Aug 13, 2026, 3:04 PM

5.0

Brian was so quick to respond to our questions and made the whole process super easy!

Jacob Taylor B.

Muncie, IN, Aug 12, 2026, 3:14 PM

5.0

Adam J S.

Cambridge City, IN, Aug 10, 2026, 2:15 PM

5.0

Derek B.

New Castle, IN, Aug 2, 2026, 1:00 AM

5.0

Karalyne Y.

Charlottesville, IN, Jul 31, 2026, 10:07 PM

5.0

Brian was on top of everything! Even with a quick closing date, we felt well informed and closing went smoothly. Couldn't have asked for a better experience.

Garit T.

NEW CASTLE, IN, Jul 31, 2026, 4:11 PM

5.0

Quick a friendly

Colton J R.

Richmond, IN, Jul 31, 2026, 3:53 PM

5.0

Brian was fantastic through this process. Great communication and always willing to help however he could. Would recommend him to anyone! Colt R

Lynne R J.

Brownsburg, IN, Jul 31, 2026, 3:05 PM

5.0

Service excellence

Richard H.

Anderson, IN, Jul 18, 2026, 4:07 PM

5.0

Brian huff is a badass!!! Thats the only way to put it. Brian is a normal guy and he showed it.if I had to do it all over again Brian would be my guy!

Isaac Matthew C.

INDIANAPOLIS, IN, Jul 16, 2026, 10:35 AM

5.0

Brian is the best!! Easy to work with. Great communication. Super knowledgeable

Corrine M.

New Castle, IN, Jul 14, 2026, 7:39 PM

5.0

Brian is the best! He makes the process incredibly simple. He is responsive and informative.

Karalyne Y.

Charlottesville, IN, Jul 31, 2026, 10:07 PM

5.0

Brian was on top of everything! Even with a quick closing date, we felt well informed and closing went smoothly. Couldn't have asked for a better experience.

Garit T.

NEW CASTLE, IN, Jul 31, 2026, 4:11 PM

5.0

Quick a friendly

Colton J R.

Richmond, IN, Jul 31, 2026, 3:53 PM

5.0

Brian was fantastic through this process. Great communication and always willing to help however he could. Would recommend him to anyone! Colt R

Lynne R J.

Brownsburg, IN, Jul 31, 2026, 3:05 PM

5.0

Service excellence

Richard H.

Anderson, IN, Jul 18, 2026, 4:07 PM

5.0

Brian huff is a badass!!! Thats the only way to put it. Brian is a normal guy and he showed it.if I had to do it all over again Brian would be my guy!

Isaac Matthew C.

INDIANAPOLIS, IN, Jul 16, 2026, 10:35 AM

5.0

Brian is the best!! Easy to work with. Great communication. Super knowledgeable

Corrine M.

New Castle, IN, Jul 14, 2026, 7:39 PM

5.0

Brian is the best! He makes the process incredibly simple. He is responsive and informative.

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Property Tax

/mo.

Homeowners Insurance

/mo.

HOA Fees

/mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

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

3x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

42

Years of helping homeowners like you

15 DAY

Average Clear to Close**

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Meet our happy homeowners***

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Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

Experience the Ruoff Advantage

42

15 DAY

98.5%

42

15 DAY

98.5%