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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?

$150 - 175k
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?

$75 - 100k
$150 - 175k
Please complete all fields.
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Picture of Cody Nicholson
Picture of Cody Nicholson

Hi, I'm Cody!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Hi, I'm Cody!

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.
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

  • I was in the process of refinancing my house, and after talking to multiple different lenders I found that Cody was by far the most honest, thorough, and considerate person that I talked to. He always responded in a timely manner and made the process proceed seamlessly. Any questions regarding the process of refinancing were met with educated and professional answers that put my mind at ease. I highly recommend giving him a call as I know he can help you with any needs you might have. 10/10 ---- 5 stars ---- Would definitely work with him again.

    Kevin Fortier, happy client
  • Wonderful service and very attentive. Clear, concise and easy to follow along guidelines and was helped along the financial aspects of purchasing the home every step of the way.

    Marie Hine, happy client
  • Cody was great to work with! He was available whenever we had questions and made the whole process very simple. He is friendly, knowledgeable and helpful. Would absolutely recommend.

    Kayla Verhotz, happy client
  • Cody is so easy to work with and helpful in answering any questions you may have during the mortgage process! 100% recommend contacting Cody for your new mortgage or refinancing needs!

    Jared Brauer, happy client
  • I am a first time homebuyer and I was completely unfamiliar with the entire home buying/financing process starting out. Cody was extremely helpful and patient with my million questions every step of the way! He was always quick to get back to me on everything, took his time to explain where we stood in the process and what the next step would be. There were no surprises along the way and overall it was a completely stress-free experience working with him. I highly recommend him to anyone looking for a loan originator!

    Jeremy Kasburg, happy client
  • To find someone who takes a personal interest in helping to make a dream come true like Cody did for us is not something you get to experience consistently nowadays. He answered calls and text days/nights/weekends. He understood what was needed to help us be successful and walked us through it to overcome any barriers we encountered. I have bought a number of houses and dealt with a lot of banks. Cody sets the bar for customer service!

    Teresa Dail, happy client
  • Extremely patient and available, answered all questions thoroughly and genuinely. Highly recommend to anyone who is not familiar with realty and / or first time home buyers!

    Tricia Flesher, happy client
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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 330.414.4116 or message me below!

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