Ellen Vance

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

Contact me anytime: 260.760.6476 or ellen.vance@ruoff.com

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


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, were 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.

My experience...

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!

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

Client Testimonials

Abby S.
We have purchased several homes in the last decade and worked with many loan officers. Without a doubt, Ellen made this the most painless experience of them all. Her professionalism and attention to detail gave us a sense of relief and we knew that we were in good hands!!!

Realtor Testimonials

Steve F.
Ellen constantly brings her A-game. As a REALTOR®, I’m very protective of my clients - having Ellen as the exclusive lender I work with ensures they get the best level of service. I admire her tenacity and drive. Everyone gets personalized service and honest answers from her. Ellen knows everyone’s situation and circumstances are unique and she spends the time needed with each buyer.