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.

Cory Wilson | Mortgage Loan Officer

Cory Wilson

Senior Loan Officer

NMLS: 899894

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio

Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

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99.03%

Customer Satisfaction Score.

Awards

Proudly serving Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Alexander J L.

Granger, IN, Oct 24, 2023, 3:05 PM

5.0

Cory kept me updated every step of the way and was spot-on with his initial estimate about the final cost. First rate experience!

Sarah J C.

Willow Branch, IN, Oct 23, 2023, 3:27 PM

5.0

Cory was amazing! He communicated very well with us and explained everything in detail! We felt very comfortable working with him! We will be recommending him to anyone looking to buy a home!

Megan T.

Osceola, IN, Oct 19, 2023, 3:05 PM

5.0

Cory made the home buying process extremely easy. We were cleared to close super quickly. Our sale of our old home had some bumps and he helped us navigate those issues in regard to keeping our new purchase on track. We would never buy a home again without using Ruoff. Our previous mortgage company was a nightmare, and it is truly a night and day difference between the service provided by them and Ruoff in the closing process. I have already referred 2 other people to Ruoff for mortgages and will continue to do so.

Kyle T.

Osceola, IN, Oct 16, 2023, 3:44 PM

5.0

Cory was great. Everything within his control went smoothly and quickly.

Scott A L.

Mishawaka, IN, Oct 8, 2023, 3:41 PM

5.0

Could always wish rates were better right now. Cory kept things moving and was helpful and available to answer questions

jonospear

South Bend, IN, Sep 28, 2023, 8:30 PM

5.0

Cory was so helpful throughout the entire process. I've never experienced such professional service in any work field before. Cory is incredibly insightful, friendly, and punctual. From start to finish throughout the process, Cory made himself available to answer any and all questions, responded very quickly every time, and even made time for a long call with my wife and I after working hours so that he could talk us through the process, help calm our nerves, and set the expectations for moving forward. I could not recommend Cory highly enough.

Alexander J L.

Granger, IN, Oct 24, 2023, 3:05 PM

5.0

Cory kept me updated every step of the way and was spot-on with his initial estimate about the final cost. First rate experience!

Sarah J C.

Willow Branch, IN, Oct 23, 2023, 3:27 PM

5.0

Cory was amazing! He communicated very well with us and explained everything in detail! We felt very comfortable working with him! We will be recommending him to anyone looking to buy a home!

Megan T.

Osceola, IN, Oct 19, 2023, 3:05 PM

5.0

Kyle T.

Osceola, IN, Oct 16, 2023, 3:44 PM

5.0

Cory was great. Everything within his control went smoothly and quickly.

Scott A L.

Mishawaka, IN, Oct 8, 2023, 3:41 PM

5.0

Could always wish rates were better right now. Cory kept things moving and was helpful and available to answer questions

jonospear

South Bend, IN, Sep 28, 2023, 8:30 PM

5.0

cheyennegrayce

Mishawaka, IN, Sep 25, 2023, 5:45 PM

5.0

Cory was awesome and passed all of my expectations!

Victoria Lynn A.

Montezuma, IN, Sep 7, 2023, 5:08 PM

5.0

Everything went just as Cory explained I’m really happy with my experience

Jaden N O.

South Bend, IN, Sep 5, 2023, 1:27 AM

5.0

Cory was awesome! He was on top of it and swift to make things happen for me and my wife. Could not have been happier with Cory!

Edward S.

Niles, MI, Aug 12, 2023, 7:43 PM

5.0

Cory is the man. That’s it all!

Micah D K.

Granger, IN, Aug 7, 2023, 4:03 PM

5.0

Cory is awesome! He was so quick and helpful and right. Very thankful.

Olivia S M.

South Bend, IN, Jul 24, 2023, 7:05 PM

5.0

Using Ruoff was an easy experience. Everything was laid out and our loan officer was super helpful and knowledgeable.

Jennifer K S.

Granger, IN, Jul 22, 2023, 4:41 PM

5.0

Cory was very easy to work with and got out loan closed FAST

cheyennegrayce

Mishawaka, IN, Sep 25, 2023, 5:45 PM

5.0

Cory was awesome and passed all of my expectations!

Victoria Lynn A.

Montezuma, IN, Sep 7, 2023, 5:08 PM

5.0

Everything went just as Cory explained I’m really happy with my experience

Jaden N O.

South Bend, IN, Sep 5, 2023, 1:27 AM

5.0

Cory was awesome! He was on top of it and swift to make things happen for me and my wife. Could not have been happier with Cory!

Edward S.

Niles, MI, Aug 12, 2023, 7:43 PM

5.0

Cory is the man. That’s it all!

Micah D K.

Granger, IN, Aug 7, 2023, 4:03 PM

5.0

Cory is awesome! He was so quick and helpful and right. Very thankful.

Olivia S M.

South Bend, IN, Jul 24, 2023, 7:05 PM

5.0

Using Ruoff was an easy experience. Everything was laid out and our loan officer was super helpful and knowledgeable.

Jennifer K S.

Granger, IN, Jul 22, 2023, 4:41 PM

5.0

Cory was very easy to work with and got out loan closed FAST

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Property Tax

/mo.

Homeowners Insurance

/mo.

HOA Fees

/mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

Apply Now

A Bit About Me

Cory Wilson helps homebuyers and homeowners navigate one of life’s biggest financial decisions with confidence, clarity, and a stress-free approach. Serving Michiana and beyond, Cory is licensed in Indiana and Michigan and specializes in first-time homebuyer programs, down payment assistance, conventional, FHA and VA financing, refinancing, investment properties, renovation loans, and more. Known for being approachable, responsive, and thorough, Cory makes the mortgage process easy to understand while finding solutions for each client’s unique needs. With a business built largely on repeat clients and referrals, Cory is committed to honest communication, genuine relationships, and helping clients turn their homeownership goals into reality.

Awards & Achievements

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award

Recognizes Ruoff loan officers who consistently create memorable experiences, demonstrated through outstanding customer satisfaction scores and feedback from their clients.

Top 500 for Customer Satisfaction

Recognized by Experience.com among the Top 1% of loan officers nationwide for delivering exceptional customer experiences, based on verified client feedback and customer satisfaction results.

President's Club

6x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Meet our happy homeowners***

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Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

Experience the Ruoff Advantage

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15 DAY

98.5%

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15 DAY

98.5%