Cody Higley

Hi, I'm Cody Higley, a VP, Branch Manager who works hard to make sure your pre-approval turns into home ownership

Contact me anytime: 269.873.0183 or email

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


I am a Vice President and Branch Manager for Ruoff Home Mortgage in the Kalamazoo, Michigan market. I oversee operations for the branches in the Kalamazoo market, including origination of loans and helping customers find the best mortgage loan product to fit their needs.

A graduate of The Ohio State University and the University of Toledo College of Law, I have worked in a variety of capacities throughout my career in the mortgage industry. I have comprehensive experience in mortgage origination, mortgage sales support, mortgage operations and mortgage sales management.

I have extensive knowledge and expertise working with a wide variety of mortgage products, including:

Residing in Paw Paw, I enjoy history, politics, classic cars, spending time in the woods and scouring antique malls for treasures.

My experience...

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.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

Home Ready

The HomeReady Mortgage backed by Fannie Mae is built to help our low to moderate income borrowers reach the dream of homeownership.

Home Ready

MSHDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, the Michigan State Housing Development Authority (MSHDA) has a mortgage product to meet your needs.

 MSHDA Programs

Client Testimonials

Fast Approval

In a hurry?

Apply Online Today and Determine Your Financing with Fast Professional Service.

Apply Online