Ebe Cotton

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

Contact me anytime: 317.695.0905or ebe.cotton@ruoff.com

Hello.

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, and 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 Home Mortgage in 2019 to partner with the #1 Lender in Indiana. I can be found in the Saxony Market District of Fishers, Indiana.

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"

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

Home Ready

The HomeReady Mortgage backed by Fannie Mae is built to help our low to moderate income borrowers reach the dream of homeownership.

Home Ready