Ruoff Mortgage
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Cyndi Handley

Senior Loan Officer

NMLS: 515407

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

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Cyndi

100%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Christopher J. M.

Elkhart, IN, Aug 3, 2026, 7:47 AM

Cyndi was very knowledgeable and communicative through the whole process. She made sure I could reach her at any time of day with questions and promptly called me back or texted me if she missed a call. She was laid back enough to be easy to talk to about things but maintained enough professionalism I knew I was being taken care of. She went above and beyond to make sure I got the best deal. I would highly recommend Cyndi and Ruoff to anyone.

Conner J H.

Syracuse, IN, Jul 1, 2026, 3:12 PM

Cyndi did an excellent job overall and would recommend her to anyone .

Joshua J B.

Elkhart, IN, Jun 16, 2026, 12:26 AM

Cyndi was amazing to work with and would highly recommend her to friends and family!

Jeremy R.

Elkhart, IN, Jun 11, 2026, 12:14 AM

Cyndi was on point for every milestone throughout the process. As soon as one hit she either called or sent a text. She made sure to have everything dialed in and even worked hard to get us some money back. Would recommended to anyone looking.

Lori K. M.

BRISTOL, IN, Apr 6, 2026, 4:19 PM

Cyndi helped make the process quick and painless. Thank you!!

Kandice M K.

Dowagiac, MI, Mar 19, 2026, 3:05 PM

Cyndi is the best! She made everything smooth and easy to understand!

Christopher J. M.

Elkhart, IN, Aug 3, 2026, 7:47 AM

Cyndi was very knowledgeable and communicative through the whole process. She made sure I could reach her at any time of day with questions and promptly called me back or texted me if she missed a call. She was laid back enough to be easy to talk to about things but maintained enough professionalism I knew I was being taken care of. She went above and beyond to make sure I got the best deal. I would highly recommend Cyndi and Ruoff to anyone.

Conner J H.

Syracuse, IN, Jul 1, 2026, 3:12 PM

Cyndi did an excellent job overall and would recommend her to anyone .

Joshua J B.

Elkhart, IN, Jun 16, 2026, 12:26 AM

Cyndi was amazing to work with and would highly recommend her to friends and family!

Jeremy R.

Elkhart, IN, Jun 11, 2026, 12:14 AM

Cyndi was on point for every milestone throughout the process. As soon as one hit she either called or sent a text. She made sure to have everything dialed in and even worked hard to get us some money back. Would recommended to anyone looking.

Lori K. M.

BRISTOL, IN, Apr 6, 2026, 4:19 PM

Cyndi helped make the process quick and painless. Thank you!!

Kandice M K.

Dowagiac, MI, Mar 19, 2026, 3:05 PM

Cyndi is the best! She made everything smooth and easy to understand!

Dawn R H.

GRANGER, IN, Dec 27, 2025, 5:34 PM

Cyndi made every step as easy as possible, she worked on our mortgage On the Holiday weekend

Tracy T.

Elkhart, IN, Dec 19, 2025, 4:37 PM

Great experience, quick turn around, no surprises.

Lilyan B.

Warsaw, IN, Dec 9, 2025, 4:29 PM

She updated us with every little change to make sure we understood what was going on and explained every fee and step of the process. Also anwered our questions quickly.

Corbett D M.

Goshen, IN, Nov 11, 2025, 4:11 PM

Quick and to the point communication.

Kevin C M.

Albion, IN, Nov 8, 2025, 6:33 PM

Timely responses, Cyndi was great to work with !

Sarah L P.

ELKHART, IN, Oct 22, 2025, 5:24 PM

Cindy was amazing! she explained everything really helped me understand the process.

Natalie Lynn R.

South Bend, IN, Sep 3, 2025, 12:06 PM

Cyndi was amazing, helpful, patience with me and a godsend! Never been through this before and very helpful to explain the complete process as things came up. More than an loan officers, she is a friend!

Dawn R H.

GRANGER, IN, Dec 27, 2025, 5:34 PM

Cyndi made every step as easy as possible, she worked on our mortgage On the Holiday weekend

Tracy T.

Elkhart, IN, Dec 19, 2025, 4:37 PM

Great experience, quick turn around, no surprises.

Lilyan B.

Warsaw, IN, Dec 9, 2025, 4:29 PM

She updated us with every little change to make sure we understood what was going on and explained every fee and step of the process. Also anwered our questions quickly.

Corbett D M.

Goshen, IN, Nov 11, 2025, 4:11 PM

Quick and to the point communication.

Kevin C M.

Albion, IN, Nov 8, 2025, 6:33 PM

Timely responses, Cyndi was great to work with !

Sarah L P.

ELKHART, IN, Oct 22, 2025, 5:24 PM

Cindy was amazing! she explained everything really helped me understand the process.

Natalie Lynn R.

South Bend, IN, Sep 3, 2025, 12:06 PM

Cyndi was amazing, helpful, patience with me and a godsend! Never been through this before and very helpful to explain the complete process as things came up. More than an loan officers, she is a friend!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

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

Apply Now
Cyndi Handley

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.

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

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

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.*

Proudly serving Indiana, Michigan

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.