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.

Dawn McCarty-Hoppes | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Ronald R.

Westland, MI, Jul 29, 2026, 5:07 PM

5.0

Very good experience, everything went smoothly. AAA+

Krystine Terese C.

Lake Orion, MI, Jul 30, 2026, 3:17 PM

5.0

Dawn is the best!

Penni Marie S.

Dearborn Heights, MI, Jul 28, 2026, 3:31 PM

5.0

Dawn was very communiactive and helpfu. the process was very smooth and fast. We were able to close in 20 days. she was on top of everything and kept me on task. Highly recommen.

David F.

Brownstown, MI, Jul 6, 2026, 6:00 PM

5.0

Dawn was so informative with us. She always answered all our questions. She was very friendly and knowledgeable. Would do business with her again if we needed a mortgage.

Anne J D.

Milan, MI, Jun 29, 2026, 1:23 PM

5.0

We bothered Dawn alot and really appreciate her taking the time to answer our questions.

James L.

Romulus, MI, Jun 27, 2026, 5:23 PM

5.0

Communication was excellent

Ronald R.

Westland, MI, Jul 29, 2026, 5:07 PM

5.0

Very good experience, everything went smoothly. AAA+

Krystine Terese C.

Lake Orion, MI, Jul 30, 2026, 3:17 PM

5.0

Dawn is the best!

Penni Marie S.

Dearborn Heights, MI, Jul 28, 2026, 3:31 PM

5.0

Dawn was very communiactive and helpfu. the process was very smooth and fast. We were able to close in 20 days. she was on top of everything and kept me on task. Highly recommen.

David F.

Brownstown, MI, Jul 6, 2026, 6:00 PM

5.0

Dawn was so informative with us. She always answered all our questions. She was very friendly and knowledgeable. Would do business with her again if we needed a mortgage.

Anne J D.

Milan, MI, Jun 29, 2026, 1:23 PM

5.0

We bothered Dawn alot and really appreciate her taking the time to answer our questions.

James L.

Romulus, MI, Jun 27, 2026, 5:23 PM

5.0

Communication was excellent

Terra S.

Taylor, MI, Jun 6, 2026, 3:29 PM

5.0

Dawn was so amazing! I had so many questions and changed my mind on refinance amounts more than once and she never once got annoyed or frustrated with me. She was always professional and courteous.

Jennifer L T.

Southgate, MI, Apr 14, 2026, 3:05 PM

5.0

Dawn was amazing and kept us up to date and well informed every step of the process!

Catherine F.

Taylor, MI, Apr 2, 2026, 2:41 PM

5.0

Dawn is my go-to for all of mine & my client's mortgage needs!

Tammy J W.

Romulus, MI, Mar 24, 2026, 3:07 PM

5.0

talk me kept me updated. She always made sure I understood exactly what was going on ye

Kyle W A.

Woodhaven, MI, Mar 3, 2026, 11:06 PM

5.0

Dawn was excellent; she helped walk me through the process easily.

Jessica S.

Brownstown, MI, Mar 1, 2026, 7:48 PM

5.0

Working with Dawn at Ruoff Mortgage was an easy decision. The application process was so easy and using the portal made providing the documents needed a breeze. Dawn answered all my questions and was always willing to draw up estimates in a snap. I would highly recommend Ruoff and Dawn Hoppes to anyone wanting to start the buying process!

Kameron G.

Lincoln Park, MI, Feb 7, 2026, 10:11 PM

5.0

Quick response time

Terra S.

Taylor, MI, Jun 6, 2026, 3:29 PM

5.0

Dawn was so amazing! I had so many questions and changed my mind on refinance amounts more than once and she never once got annoyed or frustrated with me. She was always professional and courteous.

Jennifer L T.

Southgate, MI, Apr 14, 2026, 3:05 PM

5.0

Dawn was amazing and kept us up to date and well informed every step of the process!

Catherine F.

Taylor, MI, Apr 2, 2026, 2:41 PM

5.0

Dawn is my go-to for all of mine & my client's mortgage needs!

Tammy J W.

Romulus, MI, Mar 24, 2026, 3:07 PM

5.0

talk me kept me updated. She always made sure I understood exactly what was going on ye

Kyle W A.

Woodhaven, MI, Mar 3, 2026, 11:06 PM

5.0

Dawn was excellent; she helped walk me through the process easily.

Jessica S.

Brownstown, MI, Mar 1, 2026, 7:48 PM

5.0

Working with Dawn at Ruoff Mortgage was an easy decision. The application process was so easy and using the portal made providing the documents needed a breeze. Dawn answered all my questions and was always willing to draw up estimates in a snap. I would highly recommend Ruoff and Dawn Hoppes to anyone wanting to start the buying process!

Kameron G.

Lincoln Park, MI, Feb 7, 2026, 10:11 PM

5.0

Quick response time

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†

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners 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.

Awards & Achievements

Top Mortgage Lenders

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

My Latest Blogs

First Time Homebuyer Mistakes

Jun 16, 2026

Meet our happy homeowners***

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A Bit About Me

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Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

My Latest Blogs

Experience the Ruoff Advantage

42

15 DAY

98.5%

42

15 DAY

98.5%