Ruoff Mortgage
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Eileen Howard

VP | Branch Manager

NMLS: 273082 | OH: MLO.028617.000

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Eileen

99.07%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerPresident's Club

Awards

Proudly serving Ohio

Meet our happy homeowners***

View All Testimonials

Aniqua D Z.

Columbus, OH, Sep 1, 2023, 8:11 PM

We appreciated Eileen’s assistance during the whole process. Any time we had a question or concern, she was always easy to get in contact with and return our emails and calls quickly. I was also very happy to meet her. She was just as nice in person as she was through emails and calls. I would recommend Ruoff to anyone looking to buy a home.

George M B.

Columbus, OH, Sep 1, 2023, 5:54 PM

Thank you! The process of buying a home was super scary to think about! But when we got connected to the ladies at Ruoff all that being scared disappeared. They help us with everything from start to finish. Nothing was to big or to small for that team! You guys are the best .

Mark E G.

Columbus, OH, Aug 14, 2023, 4:06 PM

Eileen and her team were highly responsive, professional and helpful throughout the entire process. She even was present at closing just in case there were questions. We went from application to cleared to close in 17 days!!

Tyler P.

Columbus, OH, Jul 2, 2026, 3:04 PM

As a first time home buyer, Ruoff made it very easy to navigate through this whole process and easy to understand what was going on. Everything was clear and felt very comfortable from start to finish .

Tiana Maiysha Pearl M.

Columbus, OH, Jul 1, 2026, 3:11 PM

I loved that there was constant communication with all updates the the loan process. Also that any questions that I had were answered right away.

Barry J S.

Lancaster, OH, Jun 2, 2026, 5:15 PM

Quick responses

Jason M.

Chillicothe, OH, Mar 27, 2026, 3:22 PM

The whole team at Ruoff was exceptional. Eileen and Dawn teamed together and worked lightning fast. I have done 6 previous mortgages and my experience with Ruoff was far and above superior to any other mortgage company. They are extremely knowledgeable, fast and their communication was excellent. At all times throughout the process, I could feel that they really cared and there was a personal yet professional connection. I was amazed at how fast we were clear to close and that closing wasn't "pushed back" THANK YOU!!

Jordan R.

Kenton, OH, Mar 2, 2026, 6:11 PM

You guys got things set into motion pretty quick and kept us up to date on everything along the way. We never had to ask questions or wait to hear anything from you guys during this entire process. I hands down would recommend you guys to anyone looking to buy a house or get a loan. Thank you so much for everything and making our dream possible and become a reality!!

Aniqua D Z.

Columbus, OH, Sep 1, 2023, 8:11 PM

We appreciated Eileen’s assistance during the whole process. Any time we had a question or concern, she was always easy to get in contact with and return our emails and calls quickly. I was also very happy to meet her. She was just as nice in person as she was through emails and calls. I would recommend Ruoff to anyone looking to buy a home.

George M B.

Columbus, OH, Sep 1, 2023, 5:54 PM

Thank you! The process of buying a home was super scary to think about! But when we got connected to the ladies at Ruoff all that being scared disappeared. They help us with everything from start to finish. Nothing was to big or to small for that team! You guys are the best .

Mark E G.

Columbus, OH, Aug 14, 2023, 4:06 PM

Eileen and her team were highly responsive, professional and helpful throughout the entire process. She even was present at closing just in case there were questions. We went from application to cleared to close in 17 days!!

Tyler P.

Columbus, OH, Jul 2, 2026, 3:04 PM

As a first time home buyer, Ruoff made it very easy to navigate through this whole process and easy to understand what was going on. Everything was clear and felt very comfortable from start to finish .

Tiana Maiysha Pearl M.

Columbus, OH, Jul 1, 2026, 3:11 PM

I loved that there was constant communication with all updates the the loan process. Also that any questions that I had were answered right away.

Barry J S.

Lancaster, OH, Jun 2, 2026, 5:15 PM

Quick responses

Jason M.

Chillicothe, OH, Mar 27, 2026, 3:22 PM

The whole team at Ruoff was exceptional. Eileen and Dawn teamed together and worked lightning fast. I have done 6 previous mortgages and my experience with Ruoff was far and above superior to any other mortgage company. They are extremely knowledgeable, fast and their communication was excellent. At all times throughout the process, I could feel that they really cared and there was a personal yet professional connection. I was amazed at how fast we were clear to close and that closing wasn't "pushed back" THANK YOU!!

Jordan R.

Kenton, OH, Mar 2, 2026, 6:11 PM

You guys got things set into motion pretty quick and kept us up to date on everything along the way. We never had to ask questions or wait to hear anything from you guys during this entire process. I hands down would recommend you guys to anyone looking to buy a house or get a loan. Thank you so much for everything and making our dream possible and become a reality!!

Timothy R.

South Bloomfield, OH, Dec 27, 2025, 7:29 PM

Communication was amazing throughout throughout the entire process.

Scott Gillis D.

Circleville, OH, Dec 22, 2025, 5:09 PM

Eileen and her team were so knowledgeable and extremely communicative. I had what I felt were challenging circumstances and they breezes right through them like they were nothing which tremendously helped me feel informed and confident throughout the entire process! I am so happy to have had the opportunity to work with Ruoff! I highly recommend them whether you are a first time home buyer or this is your 3rd or 4th purchase. Thank you guys for everything! Our family couldn't have asked for a better christmas present!

David T R.

Cleveland, OH, Nov 16, 2025, 9:10 PM

My wife and I recently worked with Ruoff Mortgage company; for our first home purchase, and our experience with them was fantastic. We were initially overwhelmed by the process, but our loan officer, [eileen helped a lot along with dawn I couldn’t be thankful enough. Everything was made clear and straightforward that was a major strength. The team at Ruoff was incredibly responsive, answering all our questions—even late at night or on weekends. They kept us informed at every step, so we never had to guess where we were in the process. Overall, we would highly recommend [Ruoff Mortgage Company ] to anyone, especially first-time homebuyers. Their professionalism, clear communication, and grand process. Thanks again Dawn & Eileen for the help Blessings to you all

Eugene T D.

Columbus, OH, Nov 7, 2025, 5:16 PM

Very nice and very helpful

Denise L H.

Westerville, OH, Nov 4, 2025, 1:22 AM

Eileen Howard was awesome to partner with in preparing financially to buy my home. Her professionalism, expertise & sensitivity to my situation did not go unoticed. She was always responsive to my messages & followed up on any of my questions & concerns. She eased the the stress level one can experience with the home buying process. I would most definitely recommend Eileen to others. Many Thanks, Denise Hazel

Justin L.

CIRCLEVILLE, OH, Oct 15, 2025, 12:10 PM

Very responsive Walked me thru every step up the way Reassured me and kept a stressful situation smooth and peaceful Thank you so much elieen for making our dreams come true we are forever greatful

Rachel M C.

Orient, OH, Aug 7, 2025, 3:04 PM

Eileen was very knowledgeable, punctual, always responded very quickly. This was the best experience I've had with a lending company. No suprises and things were completed in a very timley manner.

Charles R V.

Lancaster, OH, Aug 6, 2025, 3:57 PM

Full explanation. Great follow up. Very pleasant to work with.

Timothy R.

South Bloomfield, OH, Dec 27, 2025, 7:29 PM

Communication was amazing throughout throughout the entire process.

Scott Gillis D.

Circleville, OH, Dec 22, 2025, 5:09 PM

Eileen and her team were so knowledgeable and extremely communicative. I had what I felt were challenging circumstances and they breezes right through them like they were nothing which tremendously helped me feel informed and confident throughout the entire process! I am so happy to have had the opportunity to work with Ruoff! I highly recommend them whether you are a first time home buyer or this is your 3rd or 4th purchase. Thank you guys for everything! Our family couldn't have asked for a better christmas present!

David T R.

Cleveland, OH, Nov 16, 2025, 9:10 PM

My wife and I recently worked with Ruoff Mortgage company; for our first home purchase, and our experience with them was fantastic. We were initially overwhelmed by the process, but our loan officer, [eileen helped a lot along with dawn I couldn’t be thankful enough. Everything was made clear and straightforward that was a major strength. The team at Ruoff was incredibly responsive, answering all our questions—even late at night or on weekends. They kept us informed at every step, so we never had to guess where we were in the process. Overall, we would highly recommend [Ruoff Mortgage Company ] to anyone, especially first-time homebuyers. Their professionalism, clear communication, and grand process. Thanks again Dawn & Eileen for the help Blessings to you all

Eugene T D.

Columbus, OH, Nov 7, 2025, 5:16 PM

Very nice and very helpful

Denise L H.

Westerville, OH, Nov 4, 2025, 1:22 AM

Eileen Howard was awesome to partner with in preparing financially to buy my home. Her professionalism, expertise & sensitivity to my situation did not go unoticed. She was always responsive to my messages & followed up on any of my questions & concerns. She eased the the stress level one can experience with the home buying process. I would most definitely recommend Eileen to others. Many Thanks, Denise Hazel

Justin L.

CIRCLEVILLE, OH, Oct 15, 2025, 12:10 PM

Very responsive Walked me thru every step up the way Reassured me and kept a stressful situation smooth and peaceful Thank you so much elieen for making our dreams come true we are forever greatful

Rachel M C.

Orient, OH, Aug 7, 2025, 3:04 PM

Eileen was very knowledgeable, punctual, always responded very quickly. This was the best experience I've had with a lending company. No suprises and things were completed in a very timley manner.

Charles R V.

Lancaster, OH, Aug 6, 2025, 3:57 PM

Full explanation. Great follow up. Very pleasant to work with.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Eileen Howard

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

President's Club

President's Club

3x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

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Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Ohio

Eileen Howard

VP | Branch Manager

NMLS: 273082

OH: MLO.028617.000

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.