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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?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

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?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Get Started Picture of Denise Dye
Picture of Denise Dye

Hi, I'm Denise!

Senior Loan Officer

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

95.80% Customer Satisfaction Rating

Hi, I'm Denise!

Senior Loan Officer

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

95.80% 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

  • We came to Ruoff as the second lender in our purchasing process after the first lender failed to meet our expectations. Denise was lightning fast in getting our loan processed! In eight days, she did what the previous lender was unable to do in six weeks! I can't speak highly enough about our experience with Denise and the entire Ruoff team!

    Dennis F, happy client
  • We had a lot of different problems to work through and Denise was always right there trying to find ways to help us through the process.

    Carrie P, happy client
  • Denise not only communicated with us very well but also walked us through the process, she took the time to answer any questions we had and always answered our phones calls and emails, even after work hours. She went above and beyond. We were so lucky to have her!

    Joanna G, happy client
  • Having moved several times, I've had to go through this experience many times, and I've never looked forward to it! After working with Denise, that is no longer the case. I have never seen a lender work as hard as Denise to ensure every loose end was tied up. She somehow does the work of 4 people and manages it seamlessly.

    Carrie S, happy client
  • I noticed that Denise was well knowledgeable about the entire financial process of the loan. I noticed she always had my (client) best interest in mind.

    Stephani D, happy client
  • I have never worked with a loan officer before - Denise blew me away!!! I will never consider a refinance or purchase without her. Her knowledge was top notch. She explained the process to my husband and I and gave us several options. We were amazed at how easy the process was.

    Suzanne G, happy client
  • I was impressed with the detail in the application once all the tedious background questions were satisfied for the application process. Denise is very thorough and very attentive to detail and needs.

    Dan O, happy client
  • Denise was very quick to respond and extremely helpful throughout the whole process. I would definitely recommend her.

    Riann G, happy client
  • She brought terminology down to my level of understanding, took the time to explain what I was signing and why it was a good deal.

    Andrew B, happy client
  • Denise is much more than a loan officer. She really knows the real estate market. She did some much appreciated hand holding.

    Judi U, happy client
  • Denise was very professional, friendly and did an excellent job in making sure things were explained well. I learned things from her I didn't know because she was the only one that took the time to explain it in a way that was easily understood. Therefore, it was very easy for me to decide which direction I wanted to go.

    Frank D, happy client
  • Denise is exceptional at what she does...she knows what my goals are and helped to align the right product to achieve my goals! She always made me feel like I was her most important client.

    Robert E, happy client

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 (317) 223-4130 or message me below!

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