Picture of

What is your goal?

Purchase

When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year
Unsure

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?

Yes
No

Let's connect!

Please complete all fields.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

Would you like to continue to complete your full application?

No, thanks.
Continue

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan
Unsure

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
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.

99.17% Customer Satisfaction Rating

Hi, I'm Ellen!

Senior Loan Officer

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

99.17% 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!

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

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 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
  • 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 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

Why should you choose Ruoff?

60

Branches throughout
the US.

98.8%

Customer Satisfaction Score according to Customerville.

17

Days or less average
clear-to-close.

35

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

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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