Chanlar Myers
Senior Loan Officer
NMLS: 1923609 | OH: MLO-OH.1923609
Ready for a new chapter in homeownership? I'll be there with you every step of the way.
Read full bio
98.7%
Customer Satisfaction Score.
7
Years of helping homeowners like you.
Proudly serving Indiana, Ohio
Meet our happy homeowners***
View All Testimonials
A Bit About Me
Turning One of Life's Biggest Decisions into a Comfortable Conversation.
Buying a home is an exciting milestone, but the financial side of it can sometimes feel intimidating. I believe everyone deserves a loan officer who takes the time to listen, educate, and make the process feel comfortable from the very first conversation.
With more than eight years in the financial industry, I'm committed to providing honest guidance, clear communication, and a personalized experience. Whether you're buying your first home, refinancing, or planning your next move, I'll be with you every step of the way.
Making people feel comfortable is my superpower.
I'm a huge book lover.
I love coaching youth sports.
I enjoy decorating, antiquing, and hunting for unique home decor and vintage treasures.
I'm a proud dog mom.
I'm always up for a good conversation.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.
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.
Your mortgage rate directly affects your monthly payment. A lower rate can mean a lower payment and less interest paid over time, while a higher rate can increase your monthly cost. Even small changes in your rate can make a big difference, so I’ll help you understand how it impacts your overall budget.
A VA loan is a government-backed loan that allows eligible veterans, active-duty service members, and certain military families to purchase a home with no down payment and competitive interest rates. It’s designed to make homeownership more accessible for those who have served, and I’ll help you take full advantage of those benefits.
An FHA loan allows you to purchase a home with a lower down payment while also offering more flexible credit requirements. This makes it a popular option for first-time buyers or anyone looking to get into a home sooner without needing a large upfront investment.
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.
Closing costs typically range from 2-5% of the home’s purchase price and cover fees like appraisals, title insurance, and loan processing.
PMI is insurance for the lender if you put less than 20% down on a home. It can be removed once you build enough equity.
With Ruoff Mortgage, the average time from application to clear to close is just 15 days.* That means from the moment you apply to the moment you're ready to close, the process can move quickly and efficiently.
Yes, you can buy a home while paying off student loans, even with significant debt, as long as you meet credit, income, and debt-to-income (DTI) requirements. Ruoff Mortgage assesses your total monthly payments, not just the total loan balance, to determine affordability.
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.
Have a question we didn't cover?
Ask me directly.
Calculate Based on Your Individual Needs
Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*