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What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?


Let's connect!

Please complete all fields.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

Would you like to continue to complete your full application?

No, thanks.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Picture of Ebe Cotton
Picture of Ebe Cotton

Hi, I'm Ebe!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating

Hi, I'm Ebe!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

The homeownership business runs in my family. It was my father’s passion, and now it’s mine. I’ve been helping people find their dream homes since 1981, and even owned my own mortgage banking company for a time. I specialize in the realtor purchase business in the Indianapolis area. I am the most experienced originator in the Metro Indianapolis Area. With my experience as a realtor and my mortgage banking expertise, I can give my real estate clients and their customers the best possible service in the industry.

I have been involved in over 5,000 real estate transactions in the past thirty six years. I have lived in Hamilton County since 1994, and have been active in my community. I am a youth sports coach, sponsor, and a member of boards. I’m also in the men’s group at my church. If I’m not helping a client or one of my realtor partners, I can be found playing golf or enjoying my family.

I have been in the Real Estate/Mortgage Banking industry since 1981. That first year I was named the #1 Listing Agent in the Indiana/Kentucky Region of Century 21. In 1982, I graduated from DePauw University where I studied History and Economics. I received my CHUMS Number for the US Department of HUD as a Direct Endorsement Underwriter.

In 1992, I opened my own mortgage banking company: ASMI Mortgage Bankers. We specialized in FHA-VA loan programs and custom home builder construction loans. From 1991 to 1995, I sold over $500,000,000 in GNMA (FHA-VA) loans. Since 1995, I have funded over 3,000 construction loans with an average home sales price of $525,000. I joined Ruoff Mortgage in 2019 to partner with the #1 Lender in Indiana. I can be found in the Saxony Market District of Fishers, Indiana.

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

Stay connected.

I would love to hear from you!

Call me at (317) 695-0905 or message me below!

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