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.

Cathe Music | Mortgage Loan Officer

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

Cathe Music

Senior Loan Officer

NMLS: 399006 | OH: MLO-OH.399006

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

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Apply Now Call Cathe

99.33%

Customer Satisfaction Score.

Awards

Proudly serving Indiana, Ohio

Meet our happy homeowners***

View All Testimonials

Ben M.

Fort Wayne, IN, Jun 18, 2024, 7:39 PM

Cathe is amazing, it didn’t matter what time it was or what day of the week and she would answer a call or text!

Jacob J M.

Fort Wayne, IN, Jul 29, 2026, 5:52 AM

Cathe was amazing!! She always had a wonderful uplifting attitude. She was highly knowledgeable and made the process SO smooth. Her insight and expertise made us feel comfortable throughout the entire process. We are so grateful to have had the opportunity to work with Cathe!

Jack E S.

Lagrange, IN, Jul 27, 2026, 3:09 PM

Very professional answering every question; even when I asked Cathe the same question multiple times:) Timely responses! Kept us well informed throughout the entire process. Thanks

Trenton P W.

Fort Wayne, IN, Jul 26, 2026, 3:24 PM

Cathe was AMAZING! She was quick on everything! And very very nice! I would recommend her to anyone!!!

Nathan J W.

Auburn, IN, Jul 22, 2026, 7:55 AM

Very professional and super easy!

Austin D.

Westfield, IN, Jul 20, 2026, 9:54 PM

Cathe was excellent in communicating the process in a timely manner while always being available! I highly recommend if you're looking for high experience along with a smooth process.

Brittany H.

Jan 18, 2023, 10:00 AM

Great communication, quick to reply, very informative about the process

Ben M.

Fort Wayne, IN, Jun 18, 2024, 7:39 PM

Cathe is amazing, it didn’t matter what time it was or what day of the week and she would answer a call or text!

Jacob J M.

Fort Wayne, IN, Jul 29, 2026, 5:52 AM

Jack E S.

Lagrange, IN, Jul 27, 2026, 3:09 PM

Very professional answering every question; even when I asked Cathe the same question multiple times:) Timely responses! Kept us well informed throughout the entire process. Thanks

Trenton P W.

Fort Wayne, IN, Jul 26, 2026, 3:24 PM

Cathe was AMAZING! She was quick on everything! And very very nice! I would recommend her to anyone!!!

Nathan J W.

Auburn, IN, Jul 22, 2026, 7:55 AM

Very professional and super easy!

Austin D.

Westfield, IN, Jul 20, 2026, 9:54 PM

Cathe was excellent in communicating the process in a timely manner while always being available! I highly recommend if you're looking for high experience along with a smooth process.

Brittany H.

Jan 18, 2023, 10:00 AM

Great communication, quick to reply, very informative about the process

Megan A.

Feb 14, 2023, 11:49 AM

Cathe is truly thee best! Personable and knowledgeable. Appreciate her so much!

Dezirae N.

May 12, 2023, 11:18 AM

did so good on updates on the loan process the loan buster app is very helpful

Anna C. M.

Fort Wayne, IN, Jul 18, 2023, 5:02 AM

Cathe Music is the best at what she does! Her communication skills are superb and she’s so easy to talk to. I recommend her to anyone who asks me :) I couldn’t have done this without her!

Randal L H.

Auburn, IN, Jul 25, 2023, 9:47 PM

Cathe did an amazing job! she was so quick to return all emails and answer any questions. I cannot believe how easy this process was from start to finish. Thank you so much Cathe for all your help.

Chase N.

Ossian, IN, Aug 3, 2023, 4:36 PM

Cathe was always super knowledgeable & on the ball about everything to help us get our new home! We’ve used Cathe all three times we’ve moved & she’s always been amazing!

Skylar E S.

Kendallville, IN, Aug 5, 2023, 8:17 PM

Everything was done fast everything we where promised happened got taken care of super well and would come back

Alexzandria R W.

Fort Wayne, IN, Aug 8, 2023, 7:47 PM

Cathe is very helpful throughout the entire process. She’s on top of everything, and helps her clients a LOT.

Megan A.

Feb 14, 2023, 11:49 AM

Cathe is truly thee best! Personable and knowledgeable. Appreciate her so much!

Dezirae N.

May 12, 2023, 11:18 AM

did so good on updates on the loan process the loan buster app is very helpful

Anna C. M.

Fort Wayne, IN, Jul 18, 2023, 5:02 AM

Cathe Music is the best at what she does! Her communication skills are superb and she’s so easy to talk to. I recommend her to anyone who asks me :) I couldn’t have done this without her!

Randal L H.

Auburn, IN, Jul 25, 2023, 9:47 PM

Cathe did an amazing job! she was so quick to return all emails and answer any questions. I cannot believe how easy this process was from start to finish. Thank you so much Cathe for all your help.

Chase N.

Ossian, IN, Aug 3, 2023, 4:36 PM

Cathe was always super knowledgeable & on the ball about everything to help us get our new home! We’ve used Cathe all three times we’ve moved & she’s always been amazing!

Skylar E S.

Kendallville, IN, Aug 5, 2023, 8:17 PM

Everything was done fast everything we where promised happened got taken care of super well and would come back

Alexzandria R W.

Fort Wayne, IN, Aug 8, 2023, 7:47 PM

Cathe is very helpful throughout the entire process. She’s on top of everything, and helps her clients a LOT.

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

A Bit About Me

Since 1985, my goal in the real estate and housing business has been to turn your homeownership dreams into reality. Partnering with Ruoff Mortgage allows me to do exactly that by finding the perfect fit for your unique circumstances.The mortgage process changes constantly and can be highly confusing. I provide the expert guidance you need, narrowing down the best available programs to make your experience quick, simple, and uncomplicated.I understand that business hours are not real-life hours. Your schedule is my schedule, and I am available anytime—including evenings and weekends—via cell phone or email. You can also securely apply online through my website at your convenience, and your information will come directly to me.