Don Reber

Hi. I’m Don, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership.

Available after hours & weekends: call 574.286.0157 or

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


I began my career in mortgage lending in 1982. I started off as a loan officer, eventually working myself up to the level of Vice President in charge of Retail Lending. After several years the company in which I started my career decided to exit the mortgage business. I made the decision that I wanted to align myself with a local lender who shared my values and philosophy on offering great customer service, excellent rates and a wide range of mortgage products. It didn’t take long for me to realize that Ruoff Home Mortgage was the perfect fit!

My extensive background in real estate lending enables me to offer my customers a wealth of experience and knowledge in the home financing process. I am dedicated to giving my customers the best home-buying experience possible and strive to exceed their expectations. Although I am well rounded in all facets of the mortgage industry, my passion is with first-time home buyers; helping them every step of the way towards home ownership.

I’ve stayed current with mortgage trends by continuing to stay active in both local and state bankers associations, serving as a Board Member and past President of the Indiana Mortgage Bankers Association. I’ve recently served as the President of the St. Joseph Valley Fly Fishers Club and continue to be an active member with the Greater South Bend Mishawaka Association of Realtors.

I’ve been married for 30 years to my wife Sue and we have two wonderful daughters; Jenny and Amy. When I’m not working or spending time with my family, more than likely you will find me wading around one of our local rivers enjoying my passion for Fly Fishing.

Thank you for visiting my website. I look forward to helping you fulfill all your home financing needs.

My experience...

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.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Client Testimonials

Earl & Mary D.
Don was very friendly and personal! He treated us like members of his family and was very knowledgeable. Don helped us understand what each process was and why we needed to make sure of the things he asked for! Don Was great given we placed him in a time crunch.