Based on quarterly 98% or better third party customer satisfaction survey data
I just love Maya Angelou’s quote, “people will forget what you
said, people will forget what you did, but people will never forget how you
made them feel”. I use this philosophy to guide my personal and
professional life each day and believe that you will notice this right from the
start. Buying a new home is not just a financial transaction, it is a
meaningful, life changing event. Exceptional service is the foundation of
my business, and I strive to provide you an extraordinarily smooth,
life achievement thus far is successfully beating breast cancer. I now live
life to the fullest and with more purpose and enthusiasm than ever
before. I work hard, play hard, and I am
involved in the community with breast cancer awareness and research. I am also
very excited that I’ve had the opportunity to join the Indy Survivors Dragon
boat racing team.
I grew up in Indiana, and have lived in Carmel since 2012. I have a wonderful, supportive husband named Todd and four children—all of whom I am very proud! I also have a sweet, 55 lb. golden-doodle who just adores everyone she meets. I enjoy traveling, spending time with family and friends, creating memories, and have become a self-proclaimed “foodie” with all of the wonderful restaurants that the Indianapolis and Hamilton county area has to offer.
Fun fact: I am an expert whack-a-mole player! Just ask me!
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!!
My Advice for those looking to buy or refinance a home? Be sure to work with someone with integrity, knowledge, experience, and all the right tools necessary to get you into the perfect mortgage that best meets your individual needs and financial situation. Ruoff Mortgage is the perfect fit for me to be able to offer all of this and more. Good, timely communicating is also very important. You want to be able to reach your loan officer whenever a question pops up…even if it’s Saturday night at 11 pm!
I look forward to hearing from you soon—to help you purchase your first home, your next home, or your forever home! Call me today!
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, IHCDA 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.
Carol helped us refinance our home mortgage a couple of years ago and the process was quick and flawless. I've also worked with Carol in helping me with many of my business clients' banking needs, and have always gotten great service.
Carol was responsible for creating financing packages for me and other family members. She went the extra mile to expedite the transactions and provided excellent follow up and customer service. She is very professional.
Carol is not only a great person to know and work with but she really strives to go the extra mile to ensure that all of her clients are receiving the best program possible. She takes the stress out of dealing with and obtaining a mortgage.
Carol is fantastic. She was always prompt in replying to questions, she's professional and she listened to me. She understood my ultimate goal and presented me with a product that fit my life just right. She could not have possibly made the process easier and I will absolutely be recommending her to friends and family.
Carol was so warm and knowledgeable - she made sure the process went smoothly and made me feel comfortable every step of the way. She was AMAZING to work with-- extremely friendly, responsive, and always a step ahead. Carol was the absolute best person we could have chosen to work with as first time home buyers. We will definitely reach out to her when we are ready to upgrade! Thank you, Carol!!! There is absolutely nothing that could have improved upon our experience -- it was a stress-free quick process.
As a first time home buyer, Carol was very patient with me. Every thing was explained and nothing was surprising!
I can’t say enough good things about Carol Freeman; so helpful, professional, responded so quickly to my questions. This is by far the best experience I have had buying a house!!!
Everything...done perfectly. Carol is exceptional
Carol got back to us very quickly and would always be available to call us if we needed things explained. Carol also took the time to find us a program that offered to make a one-time payment so that we didn't have any PMI when we moved into our new house!
Carol did an amazing job getting the closing ready after the date was moved up by several weeks. Carol also did a great job explaining next steps as well as always being timely in her responses.
Carol exhibited a warm spirit and counseled us with her vast wisdom and knowledge through the loan process.
Carol was extremely patient with me as i have PTSD and focus issues related to my time in combat. She helped me work thru hurdles and guide me thru the VA Loan process like a Pro. Even the Realtor took notice to how smooth and quickly Carol handled things from start to finish in 3 weeks time. The Realtor even gave her a good plug on Social Media.
Carol went above and beyond to get us closed as soon as possible, and she was successful! We’re pretty sure she set a record for fastest close in the Midwest! She always answered our questions at anytime, day or night, with grace and thoroughness. She proactively helped us find the best rate on our loan, and helped us understand exactly how everything worked. As first time homeowners, we needed guidance and clarity and Carol provided both. She was an absolute joy to work with, and we consider ourselves blessed to know her!
Carol was perfect at responding to my questions, helping a first time home buyer understand the tips and tricks. She was AWESOME!. I would truly recommend her for my friends and anybody else looking to purchase a house. Carol was perfect and awesome at helping my needs and close the house!
Carol is fantastic. She was always prompt in replying to questions, she's professional, and she listened to me. She understood my ultimate goal and presented a product that fit my life just right. She could not have possibly made the process easier and I will absolutley be recommending her to friends and family.
Everything was done perfectly. Carol is exceptional.
In a hurry?
Apply Online Today and Determine Your Financing with Fast Professional Service.