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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Get Started Picture of Cheryl Wooster
Picture of Cheryl Wooster

Hi, I'm Cheryl!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.00% Customer Satisfaction Rating

Hi, I'm Cheryl!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

I have been in the mortgage business over 25 years. In that 25 years, I have opened, processed, underwritten and originated mortgage loans. I am a career mortgage banker, which means mortgage lending is my passion.

Being passionate about my profession allows me to strive every day to be the best in my field. I constantly study to keep up on the latest mortgage trends, programs and technologies so I can continue to tailor mortgage programs and products that best suit my client's needs. I also work toward giving back to my community and profession by being active in many organizations.

To further meet the needs of my clients, I make myself available seven days a week and even after business hours. I always have my client's best interest in mind because their satisfaction is extremely important to me, as my continued success depends on it. My constant goal is to always earn your respect and referrals, as I want to be your lender for life. Please contact me, anytime, for a free consultation. I will be looking very forward to working with you.

Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you

  • Cheryl did an outstanding job with handling our circumstances and telling us exactly what we needed to do throughout our entire process. She was very thorough and professional. Cheryl took the time to answer my multitudes of questions and provide me with answers in terms I could easily understand. Cheryl Wooster did a stellar job from beginning to end. She not only did her job she went above and beyond and is now a welcomed family friend!

    Chablis H, happy client
  • Cheryl was amazing. She kept us in-the-know every step of the way and was always there for us. She treated us like family and you could tell she truly had our best interest in mind in everything she did.

    Sean V, happy client
  • My family has worked with Cheryl Wooster many times throughout her career. She is kind, professional and passionate about her role and helping others. She knows her field well, and she is extremely informative and thoughtful. Ruoff is so fortunate to have her! We look forward to working with her again in the future.

    Melissa S, happy client
  • Cheryl did a great job explaining things to me. I just bought my first home and she answered every question I had about the process and she never seemed irritated to explain something to me. She also got tasks done in a very timely manner. Even the other members at the closing table were impressed with her work and what she could do for me. She was absolutely wonderful!

    Brittany S, happy client
  • I knew nothing about buying a home and getting a loan Cheryl made me understand absolutely everything she as far as I am concerned was a blessing.

    Jamey B, happy client
  • Cheryl was very knowledgeable about the loan option that I decided to pursue and even took the time to make sure that it would be in my best interest to go with that option. She made sure that I understood the process thoroughly and was not afraid to take calls or emails anytime that I had questions.

    Joseph C, happy client
  • Cheryl was so professional. I could tell she really wanted to help us with getting the loan. She was very informational, making sure we understood every process of buying a home. Sometimes it seems like she worked 24 hours of the day seeing she was always available to answer any question. Attention to details and she is "the bomb ". I would definitely refer her ...I have already started too. Thank you so much, Cheryl. You rock!!!!!!

    Latasha H, happy client
  • We always had a great employee on the phone from Ruoff. I don't think there was an unfriendly soul in the company. I love how they all work together as a team. It was great to see how the company as a whole had an end goal and not just one person, anyone was willing to lend a hand when needed at any time!

    Abbey C, happy client
  • Very quick response on any questions we had. The whole experience was easy. Being self-employed always complicates the process but Cheryl helped us with any questions we had and guided us with the language we understood. We will definitely recommend Cheryl Wooster and Ruoff Mortgage. Thank You

    Vicki R, happy client
  • The communication was excellent! Cheryl Wooster kept me updated on everything! She answered all of the questions and concerns I had. She went above and beyond.

    Ri-Ann E, happy client
  • Cheryl explained things very well and didn't mind going over things a second and third time if we needed to. I am also a realtor and she is my primary lender for my clients also. She has done amazing.

    Courtney W, happy client
  • Cheryl has been a great help to us over the years! We took advantage of her services when we purchased our first home in 2004 and were glad that she was willing to help again.

    Steve G, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

Stay connected.

I would love to hear from you!

Call me at (317) 430-0132 or message me below!

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