Ruoff Mortgage
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Dee Waggoner

Senior Loan Officer

NMLS: 127743

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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Dee

98.6%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Jacob J S.

Chesterton, IN, Jul 31, 2026, 5:01 PM

Dee was very good at communicating everything and helping us buy and sell at the same time and answering all our questions involved in that process.

Katherine G S.

Chesterton, IN, Jul 31, 2026, 12:19 PM

We have worked with Dee on the purchase of our precious home, and both went very smooth and hassle free. But this time we were selling and buying at the same time, and she was the first step in this potentially hairy situation. Dee was knowledgeable and reassuring that the process not only could go smoothly, but that there's multiple ways of doing things, especially with financing and making it all happen! Throughout the process she was communicating and open with us about everything, double checking with us before finalizing our rate, and shared in the excitement with us as we got our dream house! She was wonderful to work with and very personable and pleasant, to say the least.

Dion M.

Knox, IN, Jul 21, 2026, 4:42 PM

The whole experience

Thomas B B.

MICHIGAN CITY, IN, Jul 20, 2026, 11:28 PM

Dee is wonderful to work with and extremely knowledgeable . A pleasure!

Katie E. D.

NORTH JUDSON, IN, Jun 16, 2026, 3:13 PM

Dee is an amazing woman and made this process the best I could have hoped for. She has a heart of gold and you can tell she puts it into everything she does. Such a blessing from above to have had her enter our lives and help us with this process. Can't thank her enough for everything.

Valerie R K.

New Carlisle, IN, Apr 6, 2026, 8:13 PM

Dee is amazing! Very helpful and made things so much easier :)

Jacob J S.

Chesterton, IN, Jul 31, 2026, 5:01 PM

Dee was very good at communicating everything and helping us buy and sell at the same time and answering all our questions involved in that process.

Katherine G S.

Chesterton, IN, Jul 31, 2026, 12:19 PM

We have worked with Dee on the purchase of our precious home, and both went very smooth and hassle free. But this time we were selling and buying at the same time, and she was the first step in this potentially hairy situation. Dee was knowledgeable and reassuring that the process not only could go smoothly, but that there's multiple ways of doing things, especially with financing and making it all happen! Throughout the process she was communicating and open with us about everything, double checking with us before finalizing our rate, and shared in the excitement with us as we got our dream house! She was wonderful to work with and very personable and pleasant, to say the least.

Dion M.

Knox, IN, Jul 21, 2026, 4:42 PM

The whole experience

Thomas B B.

MICHIGAN CITY, IN, Jul 20, 2026, 11:28 PM

Dee is wonderful to work with and extremely knowledgeable . A pleasure!

Katie E. D.

NORTH JUDSON, IN, Jun 16, 2026, 3:13 PM

Dee is an amazing woman and made this process the best I could have hoped for. She has a heart of gold and you can tell she puts it into everything she does. Such a blessing from above to have had her enter our lives and help us with this process. Can't thank her enough for everything.

Valerie R K.

New Carlisle, IN, Apr 6, 2026, 8:13 PM

Dee is amazing! Very helpful and made things so much easier :)

David J B.

New Carlisle, IN, Mar 4, 2026, 10:06 PM

Taking care everything amen

Ashley L A.

Michigan City, IN, Dec 12, 2025, 6:23 PM

Communication was great and Dee was very knowledgeable and we love the fact that we got a quick response anytime we needed it

Montana K. B.

Hamlet, IN, Dec 10, 2025, 11:55 PM

Did a great job

Thomas J P.

NEW CARLISLE, IN, Dec 9, 2025, 8:40 PM

At every turn as we moved through the loan process, I was constantly informed of every step that was completed and what the next step was with very knowledgable answers! Was a very smooth process! Thank you so much Dee!!!

Herbert W C.

Portage, IN, Dec 7, 2025, 6:25 PM

Dee helped us all the way through! She was excellent and always made sure to answer any and all questions we had! This was a long 10 month process due to several issues on our part we had to fix and she stayed patient and consistent all the way through! So grateful for her and this company! We will make sure to tell EVERYONE about Ruoff!! Thanks so much for all you did and getting us to close as quickly as you did!

Salvatore I A.

Portage, IN, Nov 11, 2025, 5:45 PM

Communication was great. Dee explained the different options and kept me up-to-date throughout the entire process.

Vanessa L B.

SOUTH BEND, IN, Oct 28, 2025, 10:56 AM

communication was the most important experience for me thanks Dee for all that you do

David J B.

New Carlisle, IN, Mar 4, 2026, 10:06 PM

Taking care everything amen

Ashley L A.

Michigan City, IN, Dec 12, 2025, 6:23 PM

Communication was great and Dee was very knowledgeable and we love the fact that we got a quick response anytime we needed it

Montana K. B.

Hamlet, IN, Dec 10, 2025, 11:55 PM

Did a great job

Thomas J P.

NEW CARLISLE, IN, Dec 9, 2025, 8:40 PM

At every turn as we moved through the loan process, I was constantly informed of every step that was completed and what the next step was with very knowledgable answers! Was a very smooth process! Thank you so much Dee!!!

Herbert W C.

Portage, IN, Dec 7, 2025, 6:25 PM

Dee helped us all the way through! She was excellent and always made sure to answer any and all questions we had! This was a long 10 month process due to several issues on our part we had to fix and she stayed patient and consistent all the way through! So grateful for her and this company! We will make sure to tell EVERYONE about Ruoff!! Thanks so much for all you did and getting us to close as quickly as you did!

Salvatore I A.

Portage, IN, Nov 11, 2025, 5:45 PM

Communication was great. Dee explained the different options and kept me up-to-date throughout the entire process.

Vanessa L B.

SOUTH BEND, IN, Oct 28, 2025, 10:56 AM

communication was the most important experience for me thanks Dee for all that you do

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

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Dee Waggoner

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

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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.