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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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Your next step is to complete a full application.

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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.

98.73% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Ellen!

Senior Loan Officer

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

98.73% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Greetings and a huge THANK YOU for landing on my page. My name is Ellen Vance and I have been helping people purchase and refinance homes since 2012. Currently my title is Senior Loan Officer at Ruoff Mortgage where I have a team of people working with me to ensure our borrowers have the best possible experience when navigating the mortgage world. 

My entrance into this business was somewhat unplanned, but it quickly became a calling I wholeheartedly embraced, and in my 11 years as a mortgage loan officer, I've cultivated a straightforward, honest, and empathetic approach to my work. I have dedicated myself to assisting clients in navigating the complexities of mortgages, ensuring they find the best solutions tailored to their unique needs. I make it my priority to be direct and honest with my clients, ensuring they fully understand every aspect of their mortgage journey. This transparency not only builds trust but also empowers my clients to make well-informed decisions about their financial future. My commitment to that approach goes beyond the professional realm; these values reflect my personal belief in the importance of integrity and empathy in all interactions. I approach each person’s situation with genuine compassion, recognizing that behind every mortgage application is a unique story and a dream to call a house a home.  My goal is to walk alongside my borrowers every step of the way, providing a seamless mortgage process as well as creating lasting relationships with each and every one.

When I am not helping my borrowers with their mortgage needs, I am busy with my 3 sons. My oldest son serves proudly in the United States Marine Corps, and is stationed in Iwakuni, Japan.  My middle son is a senior in high school, plays on the basketball team and is busy filling out college applications. My youngest son is in 1st grade, loves dinosaurs and is fairly certain he will grow up to be a Paleontologist – he is probably right! If there is free time after that, you will find me with a good book, podcast, or crocheting something beautiful!

I am truly so glad you found your way to my website today! Please take a look around and when you are ready to take that next mortgage step, I will go on the journey with you! 

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President's Club Member

President's club seal 2020
President's club seal 2021
President's club seal 2022

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*

  • Ellen was amazing through this whole process! I dont know what my Fianc and I would have done without her! We were first time home buyers, and she made sure to lay everything out in a way that we could understand. She helped get all of our ducks in a row to make sure we did everything we needed to do on time. She still stays in contact with us when needed, so glad that Ellen is our loan officer! Thank you Ellen!

    Peyton E C, happy client
  • Ellen was exceptional!

    Carol G, happy client
  • Ellen was top notch to work with. She definitely had our best interest in mind at all times.

    Ronald F, happy client
  • Online portal was very easy to navigate, communication was enough but not too much, closing was scheduled in a timely fashion and everything went smoothly!

    Alison A, happy client
  • Ellen did an amazing job! She was helpful, quick to respond to text and emails, answered all my questions and even calmed me down with any worries I had as somebody doing this process for the first time. The process was smooth, easy and there were no surprises! Thank you Ellen for making this process so easy!

    Robert W, happy client
  • Everything went very smoothly! I appreciate the friendly attitude and communication.

    Sarah R T, happy client
  • Ellen rocks! Appreciate all her help on this and guidance through the process. She's always available to answer questions and kept us posted throughout the entire process. If you're looking for a top notch loan officer, she's your gal!! Thanks, Ellen!

    Brandon R F, happy client
  • Ellen was absolutely amazing. Answered every question I had

    Houston S, happy client
  • Ellen is wonderful to work. She kept me well I firmed, guided me through the process and helped complete it quickly. She is the best!!

    Gennifer R, happy client
  • Ellen was very easy to work with and as a first time homebuyer, she was patient and answered all my questions and made it a smooth process.

    Richelle A M, happy client
  • Ellen made the whole experience very easy and done as quickly as possible. Highly recommend!

    Eric D M, happy client
  • Great communication and attentiveness to all our needs.

    Cameron M S, happy client
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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.

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I would love to hear from you!

Call me at 260.760.6476 or message me below!

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