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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Ellen Vance
Picture of Ellen Vance

Hi, I'm Ellen!

Senior Loan Officer

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

99.60% Customer Satisfaction Rating

Hi, I'm Ellen!

Senior Loan Officer

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

99.60% Customer Satisfaction Rating

Let me help you get pre-approved today!

I’m proud of my ability to meet my clients where they are in their life, counsel them when wanted/needed, and help them get where they want to go. I love playing a key role in helping people through the excitement of becoming home owners, as well as assisting my refinance customers by making it possible to make their current home work for them.

“Wake up every day and do the right thing, so when you end your day, you can go to bed happy” is a philosophy I live by. I am driven, compassionate, hardworking, and honest. I have been married to my husband for 4 years, I have 3 sons and 1 boxer J. When I am not working (which isn’t often) I am in the stands at a basketball or baseball game…or chasing my toddler around which is way more exhausting now than it was when my teenagers were little!

I was born and raised in Fort Wayne, then moved away after high school as a military spouse, where we spent time stationed in Germany, Georgia and Hawaii before I moved back home. These life experiences have made helping other military families secure the benefits of a VA loan a passion of mine. I truly love coming full circle to help those who have served become home owners.

I get very connected to my borrowers so that I really have a feel for what is most important to them. My borrowers become my friends/family. I like to do the bulk of the work on the front end of the home finance process so that there is as smooth, stress-free process moving forward. I have been originating mortgages for 6 years. For two of those years I was the senior Loan Officer at a local credit union where I trained all of the incoming LO’s. I worked in a high volume time and was accustomed to doing 10-15 loans per month on average. Being that busy helped me learn the loan process inside and out, as well as learn what products are best for a variety of situations and needs.

I am a very direct person—beating around the bush is not for me, so you can be sure that I’ll be upfront when helping you come up with the plan that’s best for you. The mortgage process does not have to be stressful—it can actually be a little fun, so I should probably mention that sarcasm is my love language. I look forward to helping you reach your dreams of homeownership!

Get Started

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!

Hear from people like you

  • As a first time homebuyer, I had no clue what I was doing but thankfully I worked from the beginning to end with Ellen Vance. She went above and beyond for me. Ellen was able to answer every question or concern I had, she was even available via text and on weekends. She made the entire process so easy and comfortable! Ellen was very professional and you could just tell she loved her job and being there for me. Thank you, Ellen!

    Elaine H, happy client
  • Ellen made herself available by call or text and was always quick to return with answers to our questions through the process. She was knowledgeable and personable and helped us better understand how buying a home works.

    Jason J, happy client
  • Ellen was amazing! She was extremely knowledgeable, responded quickly to any questions, and gave very personalized service! We loved working with her and would recommend her to anyone looking to buy or refi!

    Amanda S, happy client
  • This was my first buying a home and Ellen Vance made the process so much smoother, and stress-free as much as possible! My family and I are blessed to have Ellen Vance in our corner.

    Durane H, happy client
  • Ellen couldn't have done a better job. She really made me feel valued and welcome.

    Catherine R, happy client
  • Ellen answered all questions promptly and once the process was started it went really quickly and smoothly!

    Tia L, happy client
  • Ellen was fantastic every step of the way. She was able to answer any questions that we had at any point during the process.

    Chad W, happy client
  • Long-distance, out of state, process from start to finish and it went smoothly, efficiently, and far above expectations because of the excellent teamwork demonstrated from each professional. Would highly recommend these individuals and company.

    Konstance B, happy client
  • Ellen was fantastic! She was incredibly helpful and knowledgeable about my refinance.

    Heather F, happy client
  • Ellen was awesome!! She kept us very informed. Communication was outstanding and everything went smoothly. I highly recommend Ruoff!

    Richard B, happy client
  • We have to admit, this was the easiest home purchasing experience we ever had.

    Linda S, happy client
  • There is nothing Ellen could have done to make my experience better. She was amazing, and so quick to respond to text messages and emails. She kept in constant contact with me, and was always positive and supportive of me! I have already talked to several people about contacting Ellen when they are ready to purchase a new home.

    Danielle I, happy client

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 (260) 760-6476 or message me below!

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