Based on quarterly 98% or better third party customer satisfaction survey data
Hi, my name is Doug Bedwell and I am Senior Loan Officer for Ruoff Home Mortgage. I have over 10 years of combined mortgage lending and real estate experience. My main focus is to provide the absolute best customer service that you have ever received, period! I pride myself on being available to my clients and Realtors morning, noon, and night 7 days a week. I am diligent on taking calls and returning texts and emails as soon as I possibly can. I love to work with people who are buying a new home, it is such an exciting time for them and I like to share in that experience. I work very hard to explain everything to my clients so that they know exactly what is going on and I do my best to make sure their experience is as smooth as possible. I look forward to helping many more clients purchase their new home in the future. Please contact me today if I can help in any way!
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!!
Confirm your home financing options ahead of schedule
What to Expect
Understanding your home finance options puts you in the driver's seat when you are negotiating your home purchase. Getting a no obligation Ruoff Step Ahead pre-approval letter tells all parties involved that you are a qualified borrower. Because your Ruoff Step Ahead pre-approval letter confirms that your documentation has been reviewed by a Ruoff Home Mortgage underwriter, sellers and agents will both know the transaction will close on time! Get in touch with a Ruoff Home Loan Adviser or simply click on the link above and apply online today. It is fast and easy and you will soon know why Ruoff is a great name to know when you need a mortgage.
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.
Take Advantage of a Government-Insured Loan That Is Always a Safe Bet in an Ever-Changing World
FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) insures the loan, so Ruoff Home Mortgage can offer you a better deal. It is because of that insurance that FHA loans can offer attractive interest rates and with less stringent and more flexible qualification requirements. FHA loans may be used to purchase or refinance a new or existing 1-4 unit family home or condominium unit.
Highlights of the FHA Loan
Down payment of just 3.5%. That money can come from a family member, employer or charitable organization as a gift. Other loan programs do not typically allow this. Low credit score requirement and flexible qualifying guidelines. No income limit on borrowers. 15 or 30-year term with competitive rates. Non-occupant co-borrowers can be used to help qualify.
FHA Eligibility Criteria
Must occupy the property as your primary residence. Maximum loan amount limits that vary by region/city. A borrower is limited to one FHA loan at a time. Must meet the minimum credit score requirement. Must have sufficient income to qualify.
The FHA 203(k) Program
Interested in purchasing a foreclosed property, but don't have the extra cash needed for necessary repairs? The FHA 203(k) loan product is the perfect solution. The FHA 203(k) is a special loan product for borrowers who need extra cash to make repairs to their homes. The chief advantage of this type of loan is that the loan amount is not based on the current appraised value of the home, but on the projected value after the repairs are completed. A "streamlined" 203(k) allows you to finance up to $35,000 in nonstructural repairs, such as painting and replacing cabinets or fixtures. The 203(k) loan can be used to repair a home you're planning to purchase or to make upgrades to your current home.
For more information on FHA mortgage insurance and other FHA loan programs:
By Proudly Serving Your Country, You've Earned the Benefit of a VA Loan
VA loans provide fixed, competitive rates with 15 or 30-year terms. Qualification is easier, even if you have had some credit blemishes in your past. Unlike other loans, you can refinance up to 100% of the value of your home or purchase with no down payment, and there's never a monthly insurance (PMI) charge with VA loan.
Are you a veteran, member of the military, or a surviving spouse of a veteran? Do you want fast approval and minimal red tape? Are you Interested in a fixed-rate mortgage? A yes answer to all three of the above questions suggests that a VA Loan might very well be the right loan for you. Contact a Ruoff Home Mortgage advisor today and discuss the advantages of this exclusive loan product.
VA Loan Highlights
Purchase with no money down. Refinance up to 100% of your primary home's value. The Seller can pay 100% of the closing costs on a purchase. VA Streamline Refinance with a reduced funding fee and flexible documentation requirements - available for veterans currently in VA loans. No monthly PMI (Private Mortgage Insurance). VA loans are governed by the U.S. Department of Veterans Affairs.
Eligibility Criteria for VA Loans
Must occupy the property as your primary residence. Must be eligible for a new mortgage with VA. Must meet minimum credit score requirement. Must have sufficient income to qualify.
A Great Way to Buy a Home in a Small Community or Rural Area
Are you ready to own a home but are not sure you will qualify due to lack of a down-payment? Rural Development may be able to help you! USDA Rural Development has partnered with Ruoff Home mortgage to help extend 100% financing opportunities to individuals and families.
Highlights of the USDA Rural Development Authority Loan
No Down payment is required. Flexible credit score and qualifying guidelines. No maximum purchase price limit. Closing costs can come from any source including gifts. Repairs and improvements can be included in the loan. 30-year term with competitive rates. No monthly mortgage insurance - you may qualify for a larger loan.
USDA Eligibility Criteria
Must occupy the property as your primary residence. Do not own another home within 50 miles. Have an adjusted household income that is within Rural Development guidelines based on the number of persons who will occupy the home. Purchase a residential property that is located in a Rural Development eligible area.
The Rural Development guaranteed loan program has assisted thousands of customers just like you. Tell your Ruoff Home Mortgage Advisor you want the USDA Rural Development Guaranteed Housing Loan. Assistance options, such as gift funds, grants, seller concessions are allowed and you do not have to be a first-time homebuyer.
One time Close, New Construction Program
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.
One-Time Close Construction Loan Program
If you are ready to start building the home of your dreams, Ruoff Home Mortgage has the perfect construction loan program, allowing you to lock your interest rate before you even break ground.
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing, utilizing a one-time approval and closing process prior to the beginning of construction.
To protect you from market shifts during the construction phase, your interest rate is locked at application. However, you will be given the opportunity to review and possibly lower your interest rate if the market has improved by the time your home is complete.
You can also take comfort in knowing that our in-house New Construction Department works closely with area builders and has a simple draw procedure to ensure that your project budget remains on track as your dream home becomes reality. We also offer the flexibility of a six-month or nine-month construction loan term with interest-only payments during the construction period.
Let Ruoff Home Mortgage help construct the perfect financing option for your new home.
Interest rate locked before ground-breaking
Float down interest rate available when house in complete
FInance options on both purchase of the land and new home construction
Down payments as low as 5%
One approval process and one set of closing costs
6- or 9-month loan term (interest-only payments during construction period)
Fixed rate permanent financing terms from 10 to 30 years.
Loan amounts up to $417k.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.
Your dream home is waiting!
Ruoff Home Mortgage works with the Indiana Housing and Community Development Authority (IHCDA) to provide you a variety of homebuyer incentives.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.
Helping to Own Program offers a 3.5% down payment assistance grant.
Mortgage Credit Certificate Program provides housing assistance by issuing a federal tax credit to first time homebuyers and other qualyfing borrowers.
Next Home Program offers down payment assistance for those who are not first time homebuyers.
Next Home with Mortgage Credit Certificate Program provides down payment assistance as well as a federal tax credit to first time homebuyers.
Affordable Home Program funds FHA loans for first time homebuyers
My Home Program funds loans with conventional financing for those who are not first time homebuyers.
My Home with Mortgage Credit Certificate Program funds loans with conventional financing and provides a federal tax benefit for first time homebuyers
With over 30 years of experience, Ruoff Home Mortgage makes the process of securing a mortgage simple and straightforward – with no hidden costs and no surprises.
Let me use my experience to help you find the loan program that best meets your needs.
Doug was always EXTREMELY prompt, always eager to answer our questions, and got the job done quicker than we ever expected.
Doug and everyone at Ruoff were excellent to work with. Doug especially made this process an enjoyable one.
Everything was timely and clear Doug made absolutely sure that I understood everything that was going and made it easy to understand everytime I had a question Doug was always quick to answer when he knew the answer and when he was not sure of the answer he quickly replied to me letting me know that it was not only a good question but he would find the answer and get back to me as soon as he found out. There was only one time in our workings that we had that situation and he was extremely helpful he found the answer and had gotten back with me within an hour which I thought was amazing because not only was he putting in the effort to help me out but he did a lot of the work on his own time because of the odd hours I work. He stayed positive and polite and made sure I was comfortable at all times in every decision I have never experienced that kind of help before I would honestly be very hesitant to do this again without Doug bedwell hobestly.
Everything was great. Doug was very personable and made us feel like he really cared about us having a good experience.
Doug never failed to return my phone calls and was great at keeping us (my wife and I) updated on everything during the process of buying our home.
Doug was great to work with. He made the whole process as easy and simple as possible and worked to make everything go through smoothly.
Doug Bedwell went above and beyond to ensure I was treated with hospitality and respect. I was impressed with the manner of professionalism in which Doug and his associates operated and the quality job they did.
Both realtors and the closing agent made a comment about how quick and smoothly everything had been done. They were all pleased.
It was a very well organized experience. Everything was done quickly and very understanding. Customer service was the best! Will be using Ruoff mortgage again in the future!
Everything was ready to go at the time that was allotted. They were so friendly and were happy to answer any and every question. They made themselves available 24/7.
Everything was very efficient and moved quickly.
Very friendly and informative and quick to respond
I was kept informed at all steps throughout the whole process. I never had any problems with getting any questions I had answered.
All questions were answered timely, professionally, and in terms that I could understand
Doug was very friendly. He was always quick to call or email us back. He was very professional I would recommend your company to any of my friends or family
Kept me informed on the process and what was happening next.
Doug was friendly and was very helpful throughout the whole process. He explained things in a way that made it easy to understand
Everything was pretty much laid out for me. It made me feel more at ease at a very stressful time.
As first time home buyers we were very nervous about the process and had a lot of questions. I was very impressed that Doug took the time to explain things very carefully with us. He returned all of my phone calls and emails right away and was very friendly and professional. We will recommend him to our friends and family!
Doug kept in contact with every update possible. Explained any questions i had and made sure i was comfortable and understood. Very thorough and made my first home buying experince a breeze!
Doug was great at making sure we understood where we were in the process and what everything meant! As first time home buyers, him taking the time to spell it all out for us was very helpful!
Doug was able to explain different things to us during all of our meetings that made us both very comfortable. We never felt judged or looked down upon for not having the best credit or most knowledge about this process.
Extremely Fast closing and awesome customer service!!
Meet me and my husband at the office when we were having trouble with our email and Doug put our mind at ease! He was the best loan officer we have ever had!!!
If Doug didn't know the answer to a question, he wasted no time finding out the answer for me. He was always easy to contact and responded quickly.
Doug answered all of our questions thoroughly and made the process smooth and comfortable. He did a great job staying on top of things!
Communicate. Doug was easy to contact and very responsive.
Excellent and quick communication. Very welcoming and pleasant environment. Very helpful, supportive, and enjoyable loan officer. Would highly recommend him to others.
Doug was excellent! He explained everything and made the entire process easy. There was not any unexpected surprises and it was a great experience!
Very professional environment. Staff friendly. Everyone made a stressful time a relaxed and easy expirence.