I have been in the mortgage business locally since 2002, owning two mortgage brokerages from 2006 to 2014. In June of 2014 I had the privilege of joining the preeminent mortgage company in the Fort Wayne area, and now #1 Purchase Lender in Indiana, Ruoff Home Mortgage, as a Senior Loan Officer. I am very excited to be able to continue to offer my clients and referral partners the superior service they expect from me, combined with Ruoff's wide variety of loan programs and hometown banking feel from their 30 years in Fort Wayne. Having been the owner of a small mortgage company, I understand all aspects of the mortgage business and the importance of the many details that go into providing the right mortgage for each clients' individual needs.
I was born and raised in Huntington, IN and moved to Fort Wayne in 1995. My beautiful wife Julie (also a loan officer at Ruoff) and I have two awesome children, Aryana and Brayden.
With my kids in their early teenage years, I keep busy with their school activities and helping coach my son's baseball and football teams. I enjoy golf, trivia, the outdoors and all things football. Go Irish!
I believe in the golden rule of treating others as I would like to be treated. I look forward to serving you.
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 and offering them sound and reliable advice. I make it my priority to communicate frequently with my clients throughout the loan process.
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 and are also now the #1 Purchase lender in Indiana. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. 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.
I appreciate Doug's responsiveness, his constant communication throughout the loan process, and his obvious dedication to his clients. Doug is one of the most thorough and diligent individuals I have met. His attention to detail is impressive.
Having not purchased a home for over 36 years a lot of things had changed. You were very thorough through the entire process. Always responding promptly when called or e-mailed. You communicated information in a down to earth way so it was very easy to understand.
Tina & Darrell M.
We were always able to contact Doug if we had any questions or concerns. There was never a time when he did not answer his phone. It did not matter what time I called Doug, he always answered his phone and never seemed to mind that we were calling him.
John & Jessica E.
You and your company did a great job helping my husband and I refinance our house and our rental property. Thank you for taking the time to make sure we understood everything during the process as well. We will both keep you in mind when we are ready to buy again.
I want to thank you for the help you have given me, not only with the purchase of this home but the help you have provided in the past with refinancing of my past home. I think it goes without saying how much I have valued the work you have done for me.
I really appreciated all of Doug's help and support when I was looking to buy a house. It really helped to have someone with all the financial know how in my corner. I love my home and I owe Doug so much!!
Matt & Brigitte K.
I just wanted to write you a note Doug, to let you know how much we appreciate the help we received from you concerning our Mortgage needs in the past and the great advise you have offered. Your knowledge and expertise are invaluable .
Rhonda & Randy W.
Doug. You have been extremely helpful and we do appreciate your great service. You have gone out of your way to make sure the entire loan process went smoothly. You are also in contact quite often to make sure we are doing ok.
Doug Carroll and The Carroll Mortgage Team provided me with excellent service from start to finish throughout the process of refinancing my home in Hobart Indiana. Doug took care of every aspect of the process.
I was very happy with the services you and your company provided me with my mortgage refinance. I continue to recommend you if I know somebody who could benefit from your services.
Deb & Jose M.
Everyone else we contacted just told us it would not be possible. When you gave us options about how to resolve our issues, well we could not believe how easy it was to get the refinancing we needed.
As a first-time home buyer, I used Doug Carroll to secure a mortgage that worked for me. Doug was friendly, competent, and went above and beyond to help me navigate through the whole complex process.
The Carroll Mortgage Team were an absolute critical component in me landing my first house. They walked me through, step by step, the overwhelming aspect of buying a home for the first time and always answered all of my many questions promptly and candidly.
I chose the Carroll Mortgage Team to do my home refinance in 2013 based on recommendation. Their professionalism and attention to detail made the process effortless. Refinancing can be a stressful task, but thanks to Doug Carroll and his team they made it easy.
Doug is extremely quick to respond to any questions I had during loan process. Doug helped me get the exact loan I wanted!
Corey & Jessica F.
My wife and I used Doug's service when purchasing our first house together. Doug kept us in the loop with everything that was going on with the lending process and always made himself available for the many questions we had.
When we lost our lender during our home purchase. We turned to Doug and his team for financing. In just a couple weeks we were moving into our new home. Thanks to Doug Carroll and his team.
John & Connie C.
We were very pleased with the services Doug and his team provided. They were responsive to our questions and made the process of obtaining a mortgage easy. If we ever had the need again, we would absolutely use Doug and his team.
Doug, I have purchased several houses over the years and, by far, you made it the easiest for me to do. You went above and beyond what I expected and I was very pleased with all that you did. I would highly recommend your services to all my family and friends.
Thank you so much for your previous help on our refinancing of our home. We appreciate the hard, quick work you put into our loan. We were able to greatly benefit from a lower interest rate and lower monthly payment. Thanks again!
Doug has always helped expedite the loan process and keep me in the loop on the entire loan process. I would definitely recommend his services for anyone looking to buy a new house with minimal hassle!
Kirk D. B.
I would like to thank you for making the loan process for our refinancing quick and easy. It was such a painless process that we recommended our daughter and husband use you on the their new home purchase and they had the same experience. I would not hesitate to recommend you to friends and family.
I know there are a lot of technicalities when it comes to loans but we were confident that we could get something in a specific price range and Doug made it happen and we are so happy with our house! Doug also responded to questions promptly.
My experience with Doug Carroll was nothing but positive. I inquired about refinancing my mortgage and he walked me through it step-by-step. He made me feel comfortable by explaining all of details, and was upfront about my options.
We were were very pleased with the way you handled our mortgage! You were always willing to talk to us, answer any questions we had and offer up any other services we might want or need. Everything was handled very professional as I would expect it to.
I really appreciated your timely service. You were honest and everything happened when you said it would. Thank you for you good work.
Danielle & Ryan H.
My husband and I were very impressed with Doug's services. I would recommend Doug Carroll to a friend indeed! Doug was very timely and proficient with all paperwork. Very accessible and easy to get in touch with. Thank you Doug, for your help with our purchase.
Rosa & Dorian N.
You provided a great first time home buying experience. I have no problem recommending you. I would encourage anyone buying a home to use you.
Doug was very efficient during the whole process, I have bought several houses in the past and this young man made it easier by far than any other experience that I have had, he is extremely motivated and knowledgeable in all areas.
Doug Carroll was very prompt in response and made sure we were very well informed through the entire home purchase. Doug made us feel as though he truly working for the best interest of us.
Amanda and Jared C.
Here is what he did for us and our client: He communicated almost daily with us through the entire process. I never had to ask him questions because he was on top of everything.
Just wanted to say thank you again for assisting my clients with their financing. As always, they were very complimentary of the service you provided them and how professional you were in walking them through the home buying process from start to finish.
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