Based on quarterly 98% or better third party customer satisfaction survey data
I have worked in the real estate and housing business since 1985. My goal has always been to put the buyers that I work with into the right home that makes their individual ownership dream a reality. My partnership with Ruoff Home Mortgage has allowed me to keep doing just that.
There are many mortgage options available to buyers, or current homeowners, and the process can be very confusing without proper guidance. Available programs are changing all the time and you need someone who can narrow it down to what works for you and your circumstances. I will help make the process quick and uncomplicated for you and get you the mortgage product that is the best fit for your situation!
I realize that business hours are not real life hours! I am available to you at any time--your schedule is my schedule. You can reach me after hours and weekends by contacting me on my cell phone or by email. You can also contact me through the website and apply online at any time. You can be assured your information is secure and will come directly to 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!!
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.
I felt like I was working with a good friend. I could not have done this without Cathe. She is a professional that knows her stuff and always made the process easy, understandable, and painless! Thank you Cathe! You rock!
We loved having Cathe help us navigate all the things we had to get together for her to work on the loan for us. She was very patient and kind.
I really liked working with Cathe. She has worked with us before and she was able to explain the VA loan and help us understand everything. I would definitely recommend her to others, and we already have.
All I can say is Cathe was THE best person I could ever have wanted to work with. She was totally there "with" me all the way! Cathe is truly a great asset to Ruoff.
Answered all my questions and concerns quickly and in detail. Also gave me the opportunity to do the majority of my paperwork online which made the whole process very convenient.
Absolutely everything was perfect. I stressed that speed was key and Cathe prepared me for the next step at every point. She put the time and effort into helping us as if it was her own purchase. I will always be grateful for her professionalism and work ethic which helped me provide for my family.
Cathe was truly amazing to work with!!! She walked us through every step and was even available during weekend hours if we needed her. She made this process so easy for our family.
Always willing to answer my questions and respond to my concerns. Cathe was great at keeping me informed and helping me through the approval process.
Cathe knew what we needed. She answered all of my questions with clear answers. The people on the phones were also very nice. When they set times they were meet. That is always nice.
Jerry & Angie E.
Cathe was great to work with!!! She made the process for us, stress free.
I felt like I was always treated like a person and not just a customer. Very friendly people that know what they are talking about. Cathe kept me informed along the way and stayed in contact with me even while she was on vacation. I thought Cathe was great.
Cathe was amazing and I found that I could trust her and things got done in a timely manner. Cathe, kept us informed about every aspect of the process. Most of the process was done on line. We moved from out of state and am very pleased with her help.
Cathe was always quick with a response to all of our questions. She knew that we had a time line to stick to and got everything done sooner than we imagined possible. Everything from the time we contacted Cathe went better than we could have expected.
Cathe was tremendous to work with. She is highly efficient and effective. In my case, since I was remote, I never had the opportunity to meet Cathe face to face until the closing. She was on top of every aspect of the loan.
Steve and Ashley G.
Cathe was exhaustive in getting all the information and really great about sending reminders and updates to keep us on track. Always prompt to answer emails, even outside of business hours.
The communication with Cathe was awesome. Anytime I ever had a question, she would respond within minutes. I'm kind of sorry the experience is over because Cathe was amazing and made the process painless!
The speed at which the loan was ready to close was superb! Cathe was wonderful to work with and made the process easy.