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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.

98.40% Customer Satisfaction Rating

Hi, I'm Ellen!

Senior Loan Officer

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

98.40% 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!

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President's Club Member

President's club seal 2020

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
  • We refinanced our home for cash out to use on home improvements. The entire process was without stress or frustration. Ellen is excellent at her job, very professional, and knowledgeable. We will recommend Ruoff and Ellen to anyone we know in the market to buy or refinance.

    Pamela F, happy client
  • I'm a first home buyer and everyone involved Ellen Vance especially and Megan Browning guided me through the process easily and I had no difficulties whatsoever understanding everything!

    David L, happy client
  • Ellen made me feel like an old friend, she was amazing through the entire process. I will recommend her to all my friends/family.

    Jacqueline B, happy client
  • After I had a bad experience with my ex-lender, I got referred to Ellen Vance by my realtor and this is the best lender I have ever had. And thanks to Ellen that she tried as fast as she can for my wish of closing before Thanksgiving day. Ellen is the best.

    Kelly P, happy client
  • Ellen answered all my questions in a timely manner.

    Jerry G, happy client
  • I can't say enough good things about Ellen. She was thorough, prompt, knowledgeable, dependable, helpful, patient, and kind. I couldn't have asked for anyone better to help us along the way. She is absolutely amazing and I will definitely recommend her to anyone I can.

    Kylee F, 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
  • We have to admit, this was the easiest home purchasing experience we ever had.

    Linda S, happy client
  • I worked with Ellen Vance, for my purchase, and my refinance. She was always available for questions and made me feel like I was a part of the process. I have already told many of my friends and family that if they are looking to purchase or refinance, Ellen is your girl!!

    Danielle I, happy client
  • My loan officer was the best! Ellen Vance was very quick to respond to any questions/ concerns I had.

    Angela D, happy client
  • Ellen and her assistant were always available and easy to work with.

    Douglas F, 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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