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Picture of Cindy Julian-Shott
Picture of Cindy Julian-Shott

Hi, I'm Cindy!

Senior Loan Officer

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

96.24% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Cindy!

Senior Loan Officer

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

96.24% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

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.
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What is your goal?

Buy a Home

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

Refinance

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*

  • 5.0
    Rating source icon

    Cindy Julian was absolutely amazing!!! She made the process as stress free as possible for me and I thank her from the bottom of my ❤️

    Kandice R W.

    Monroe City, IN, November 5th, 2023 10:07 PM

  • 5.0
    Rating source icon

    Cindy would answer any question I had with what seemed to be no hesitation. Work hours after hours and even holidays she made sure I was still informed on what was happening! I would recommend Ruoff Especially Cindy to anyone even outside my friends and family!

    Jake F.

    Robinson, IL, January 2nd, 2024 07:41 PM

  • 5.0
    Rating source icon

    As first time homebuyers, we were not very knowledgeable about the process. Cindy put our minds at ease and answered every question with compassion and understanding. We are so grateful for how hard she worked for us.

    Timothy J T.

    SULLIVAN, IN, January 13th, 2024 07:09 PM

  • 5.0
    Rating source icon

    Cindy was awesome and made the whole house buying process so smooth. I can not thank her enough for everything she has done for me and my house!!

    Logan M H.

    Sullivan, IN, July 6th, 2024 03:03 PM

  • 5.0
    Rating source icon

    Cindy was so very helpful throughout the entire process.

    David M H.

    Terre Haute, IN, June 30th, 2024 05:58 PM

  • 5.0
    Rating source icon

    Cindy was very knowledgeable. She answered all my questions in a way I understood them. She always got back to me very quickly. Cindy always checked in with me to make sure I felt comfortable with every situation. She always had a very positive and upbeat voice.

    Kristin R.

    Terre Haute, IN, June 30th, 2024 06:00 PM

  • 5.0
    Rating source icon

    Everything from answering questions about anything to help finding missing information made everything super easy

    Jordan C.

    Shelburn, IN, June 3rd, 2024 11:35 AM

  • 5.0
    Rating source icon

    Everything went as planned. Very smooth and Cindy was very patient with me considering I don't do this e-signing technology very well. But she got me through it. I would definitely recommend Cindy/Ruoff to our friends! Thank you so much!

    oelheimd

    Shelburn, IN, September 24th, 2023 11:28 AM

  • 5.0
    Rating source icon

    It was super quick and Cindy was great to work with!

    Chloe S H.

    Sullivan, IN, September 22nd, 2023 12:33 PM

  • 5.0
    Rating source icon

    Everyone got in touch with me and was very satisfactory

    Madison M K.

    Sullivan, IN, September 18th, 2023 12:00 PM

  • 5.0
    Rating source icon

    It was the best experience we have had. Went so smooth and any questions we had she answered. I was out of town for work during the process and Cindy was so good about keeping me informed on everything and so patient. We will definitely recommend Cindy and Ruoff to our friends. Thank you so much for the great experience!!

    roelheim

    Shelburn, IN, September 24th, 2023 12:10 PM

  • 5.0
    Rating source icon

    nope, everything went really well

    Dustin M.

    Vincennes, IN, October 8th, 2023 08:25 AM

  • 5.0
    Rating source icon

    Cindy was absolutely amazing. My boyfriend and I were first time home buyers, so as you can imagine, we had a ton of questions. Cindy was very quick to reply to texts, calls and emails, answering any and all questions we had. She made our loan process very smooth and hassle free. I would highly recommend her and will definitely choose her again when buying another house!!

    Madison L H.

    Terre Haute, IN, July 2nd, 2023 11:11 PM

  • 5.0
    Rating source icon

    The app is a great idea!! It’s simple and easy to use!

    Kimberly S W.

    Fairbanks, IN, May 30th, 2023 01:34 PM

  • 5.0
    Rating source icon

    Savannah B.

    April 18th, 2023 09:25 AM

  • 5.0
    Rating source icon

    Cindy was absolutely amazing to work with. I had been referred by 2 people to her and I was not disappointed at all. Cindy made my first time buying a home a breeze!

    Adrienne F.

    March 15th, 2023 05:38 PM

See More

Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS #141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

** The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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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.

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I would love to hear from you!

Call me at 812.564.3556 or message me below!

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