Dennis Bobby
VP | Branch Manager
NMLS: 173918
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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99.36%
Customer Satisfaction Score.
Awards
Proudly serving Michigan
Meet our happy homeowners***
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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.
Ruoff Customer Experience Award
Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.
My Latest Blogs
VA Loans and MSHDA: Exploring Discounted Rate Options Without Down Payment Assistance
Oct 12, 2026
Many service members and veterans in Michigan are discovering how a VA loan can pair with MSHDA programs to create more manageable home financing. If you have searched for down payment assistance sterling heights Macomb county Wayne county Oakland county ST Clair county Michigan, you may already know that the standard VA path often covers the full purchase price. The focus here is on accessing a discounted rate structure through MSHDA without taking the down payment assistance second loan.
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Detroit's $25,000 First Time Home Buyer Grant: What You Need to Know
Oct 7, 2026
If you're searching for ways to make homeownership more accessible as a first time home buyer Detroit, this grant can open doors that once felt out of reach. Many people in this market assume down-payment hurdles are impossible to clear, yet targeted local support exists to change that reality. Understanding the details helps you move forward with confidence instead of guessing.
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First Time Home Buyer Southeast Michigan Can Access MSHDA’s Competitive Rates
Oct 5, 2026
First Time Home Buyer Southeast Michigan Macomb County Sterling Heights Can Access MSHDA’s Competitive Rates
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Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*