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.

Clint Morgan | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

William W D.

Fort Wayne, IN, Aug 5, 2026, 3:27 PM

The excellent professional help from Clint Morgan. Clints feedback and constant updates always kept us aware of what was next. Jane and I have lived at 7314 Bluffton Road for 40 years. We just celebrated our 50th Anniversary this year on January the 10th, our new home is a super present thanks to Clint Morgan's help.

Leah S.

Leo, IN, Jul 5, 2023, 1:27 PM

It was a long and winding road to find the right property for us but once we did, Clint was on top of every single detail to make sure we were clear to close as soon as possible. As a Ruoff Mortgage employee, I know how incredible our processes are and how committed we are to our homebuyers. It was really special to go through the process myself with the help of Clint who acted more as an advisor and friend versus just a loan officer....attributes I know he extends to every single client he serves. Milestone updates and being able to easily upload documents was the icing on top of the cake. It doesn't get much easier than this!

Andrea W.

Fort Wayne, IN, Jul 6, 2023, 4:57 PM

Everything was great. Loan Butler made everything easy and I appreciated being kept up to date.

Blake M.

Feb 14, 2023, 12:18 PM

My loan officer didn't show up to my closing, otherwise it was pretty good.

Chance G.

Fort Wayne, IN, Sep 7, 2023, 1:05 PM

Clint was extremely helpful in answering questions and concerns I had in a timely manner. I would recommend Clint to absolutely anyone that wants the knowledge and care that Mr. Morgan provided. THE BEST IN THE INDUSTRY!

William R. D.

Nashport, OH, Sep 14, 2023, 12:15 AM

Clint is the G.O.A.T!

William W D.

Fort Wayne, IN, Aug 5, 2026, 3:27 PM

The excellent professional help from Clint Morgan. Clints feedback and constant updates always kept us aware of what was next. Jane and I have lived at 7314 Bluffton Road for 40 years. We just celebrated our 50th Anniversary this year on January the 10th, our new home is a super present thanks to Clint Morgan's help.

Leah S.

Leo, IN, Jul 5, 2023, 1:27 PM

It was a long and winding road to find the right property for us but once we did, Clint was on top of every single detail to make sure we were clear to close as soon as possible. As a Ruoff Mortgage employee, I know how incredible our processes are and how committed we are to our homebuyers. It was really special to go through the process myself with the help of Clint who acted more as an advisor and friend versus just a loan officer....attributes I know he extends to every single client he serves. Milestone updates and being able to easily upload documents was the icing on top of the cake. It doesn't get much easier than this!

Andrea W.

Fort Wayne, IN, Jul 6, 2023, 4:57 PM

Everything was great. Loan Butler made everything easy and I appreciated being kept up to date.

Blake M.

Feb 14, 2023, 12:18 PM

My loan officer didn't show up to my closing, otherwise it was pretty good.

Chance G.

Fort Wayne, IN, Sep 7, 2023, 1:05 PM

Clint was extremely helpful in answering questions and concerns I had in a timely manner. I would recommend Clint to absolutely anyone that wants the knowledge and care that Mr. Morgan provided. THE BEST IN THE INDUSTRY!

William R. D.

Nashport, OH, Sep 14, 2023, 12:15 AM

Clint is the G.O.A.T!

Colin D.

Elkhart, IN, Sep 15, 2023, 3:09 PM

Everything was so smooth through the whole process

Matthew D. R.

Fort Wayne, IN, Apr 11, 2024, 3:06 PM

Clint’s communication throughout the process was great. He answered all our questions quickly and made sure we understood the process fully.

Faith H.

Columbia City, IN, Apr 15, 2024, 12:57 AM

Clint was helpful and walked me through every step of the process!

George W K.

Fort Wayne, IN, Jun 27, 2024, 3:05 PM

Expert knowledge and very quick turn times

Ryan Z.

Indianapolis, IN, Jun 28, 2024, 6:00 PM

Clint made the loan process simple, stress free and was always available to answer any questions we had along the way! Overall it was a great experience and I would recommend ruoff to anyone looking to obtain a mortgage!

Mary E. B.

Zephyrhills, FL, Mar 23, 2026, 12:42 PM

..........

Christopher J C.

Franklin, IN, Jan 30, 2026, 2:03 AM

Clint made this process as simple as can be very thorough & professional

Colin D.

Elkhart, IN, Sep 15, 2023, 3:09 PM

Everything was so smooth through the whole process

Matthew D. R.

Fort Wayne, IN, Apr 11, 2024, 3:06 PM

Clint’s communication throughout the process was great. He answered all our questions quickly and made sure we understood the process fully.

Faith H.

Columbia City, IN, Apr 15, 2024, 12:57 AM

Clint was helpful and walked me through every step of the process!

George W K.

Fort Wayne, IN, Jun 27, 2024, 3:05 PM

Expert knowledge and very quick turn times

Ryan Z.

Indianapolis, IN, Jun 28, 2024, 6:00 PM

Clint made the loan process simple, stress free and was always available to answer any questions we had along the way! Overall it was a great experience and I would recommend ruoff to anyone looking to obtain a mortgage!

Mary E. B.

Zephyrhills, FL, Mar 23, 2026, 12:42 PM

..........

Christopher J C.

Franklin, IN, Jan 30, 2026, 2:03 AM

Clint made this process as simple as can be very thorough & professional

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

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A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.