Picture of

What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

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!

Please complete all fields.

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

Would you like to continue to complete your full application?

No, thanks.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

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.
Picture of Cindy Julian
Picture of Cindy Julian

Hi, I'm Cindy!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Hi, I'm Cindy!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

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.

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

  • I really wish everyone could work with Cindy Julian. She was fantastic and made everything super easy for us. I really appreciated how reassuring she was, that she took time to explain things so we could understand, and that she was available to us any time we needed her (no matter what we needed her for).

    Kaylin B, happy client
  • Cindy was very prompt when answering any questions that my husband or I had. She was also very friendly with us when we began our process. We would definitely recommend Cindy Julian and Ruoff Home Mortgage.

    Ashlee M, happy client
  • Cindy was always prompt, knowledgeable and very patient with all of my many questions. I have recommended her to many friends. She is such an asset to your company in many ways.

    Kenisha S, happy client
  • Cindy was such a great help, and did a wonderful job of explaining everything to my husband and I as first time home buyers!! We appreciate every thing she did!

    Taylor S, happy client
  • Made us feel comfortable with the entire process. It had been years since I purchased a home and at my age I was a little skeptical, but Cindy was always reassuring and answered my questions.

    Twila C, happy client
  • I felt like Cindy was really prompt at getting back with me. She was very nice and understanding.

    Chyanne G, happy client
  • Everything went well! We were so pleased with how everything was handled! We will be telling everyone about Ruoff!

    Jayda G, happy client
  • Cindy Julian was available anytime I had a question. Including after business hours. Every meeting we had Cindy explained everything so I understood.

    Michael I, happy client
  • Cindy is very prompt and responded to our questions quickly. She is very knowledgeable and helpful from application to closing - she even offered to help us move! That's just the type of person she is. We wouldn't use anyone else! Thanks Cindy Julian and Ruoff!

    Eric S, happy client
  • Communication was top notch. I was notified via the milestone alerts, as well as personally from Cindy Julian throughout the whole process.

    Amber D, 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 (812) 564-3556 or message me below!

Download our !