Dirk Webster
Sales Manager
NMLS: 562084 | OH: MLO-OH.562084
Get started with your homeownership journey. I'm here for you from pre-approval to the closing table.
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99.03%
Customer Satisfaction Score.
Awards
Proudly serving Alabama, Indiana, Ohio
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Loans Designed to Meet Your Individual Needs
Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.
A Bit About Me
With more than 20 years of experience in the mortgage industry, I’ve learned that great service goes far beyond finding the right loan. It’s about being there when my clients need me.
My philosophy is simple: be available, be responsive, and make the mortgage process easy to understand. Buying or refinancing a home doesn’t always happen between 9 and 5, so I make it a priority to be accessible when questions arise.
Whether you’re buying your first home, your next home, or refinancing, I’ll provide straightforward advice, personalized solutions, and consistent communication from our first conversation through closing and beyond.
My goal is to make homeownership feel achievable, informed, and as stress-free as possible.
Awards & Achievements
Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
President's Club
4x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.
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.
If mortgage rates change before you lock your rate, your quoted rate can go up or down with the market. Once you lock your rate, you’re protected from increases during the lock period – but you also won’t benefit if rates drop. I’ll help you stay informed so you can make the best decision for your timing and goals.
Refinancing with Ruoff Mortgage is a straightforward process designed to help you meet your financial goals – whether that’s lowering your monthly payment, shortening your loan term, or accessing cash from your home’s equity. I’ll guide you through your options and help you decide if refinancing makes sense for you.
A VA loan is a government-backed loan that allows eligible veterans, active-duty service members, and certain military families to purchase a home with no down payment and competitive interest rates. It’s designed to make homeownership more accessible for those who have served, and I’ll help you take full advantage of those benefits.
An FHA loan allows you to purchase a home with a lower down payment while also offering more flexible credit requirements. This makes it a popular option for first-time buyers or anyone looking to get into a home sooner without needing a large upfront investment.
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.
PMI is insurance for the lender if you put less than 20% down on a home. It can be removed once you build enough equity.
With Ruoff Mortgage, the average time from application to clear to close is just 15 days.* That means from the moment you apply to the moment you're ready to close, the process can move quickly and efficiently.
Yes, you can buy a home while paying off student loans, even with significant debt, as long as you meet credit, income, and debt-to-income (DTI) requirements. Ruoff Mortgage assesses your total monthly payments, not just the total loan balance, to determine affordability.
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.
Using the equity you have in your home, cash-out refinancing allows you to take out a new mortgage for more than you owe and receive the difference in cash to use for expenses like home improvements or paying off debt.
To determine how much mortgage you can afford, use the Ruoff Mortgage Affordability Calculator, which estimates your maximum home price based on income, debt, and down payment. Generally, lenders recommend keeping your total monthly housing payment (principal, interest, taxes, insurance) between 25% and 36% of your income.
Your monthly mortgage payment typically consists of PITI: Principal, Interest, Taxes, and Insurance. This combined payment often includes an escrow account to manage property taxes and homeowner's insurance, along with potential mortgage insurance, ensuring your payments are simplified and covered.
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My Latest Blogs
Behind the Curtain: What Makes Mortgage Lenders Sweat
Jul 21, 2026
I’ve been helping families in Kokomo achieve their homeownership dreams for more than two decades, and if there’s one thing I’ve learned, it’s this: most mortgage hiccups are completely avoidable.
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Understanding Credit Scores
Jun 30, 2026
If you’ve ever wondered what is a good credit score, you’re not alone. Many folks ask this exact question when they start thinking about buying a home or refinancing. Your credit score plays a big role in the interest rate you’ll get and how smoothly the process goes. Let’s break it down in plain language so you can feel confident about where you stand.
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Interest Rate vs. Monthly Payment: Which Should Homebuyers Focus On?
Jun 9, 2026
Buying a home in Kokomo is exciting, but the details around your rate and payment can feel overwhelming at first. Many buyers wonder whether they should zero in on the rate or the payment when comparing options. The truth is both play important roles, yet affordability through your monthly payment should be your primary focus as a borrower.
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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.*