Ruoff Mortgage
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Felix Velez

Senior Loan Officer

NMLS: 297070 | OH: MLO.032754.001

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Felix

99.38%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerRuoff Experience Award Winner

Awards

Proudly serving Ohio

Meet our happy homeowners***

View All Testimonials

Roanny C.

Lorain, OH, Jun 27, 2026, 8:40 PM

What made my experience excellent was the outstanding customer service. The team was professional, responsive, and communicated clearly throughout the entire process. They were punctual, helpful, and made everything smooth and stress-free. I truly appreciated their attention to detail and commitment to providing excellent service.

Brenda I C.

Cleveland, OH, May 11, 2026, 10:37 AM

was amazing from start to finish. He explained everything any questions I had he answered he even explained things he felt like I needed to understand. This was an amazing experience and I would definitely recommend Felix to anyone looking for a loan. This is definitely a five star experie

Valentina B.

Cleveland, OH, Apr 27, 2026, 3:11 PM

Felix is amazing he went above and beyond for my family, great person he have my strenght and ability it was a honor

Mason E S.

EASTLAKE, OH, Mar 27, 2026, 3:23 PM

Felix was beyond incredbile he made the process of buying my first home better than I could have ever expected. I went in knowing absolutely nothing about the loan process or how to even start buying a house. Felix made sure to thoroughly explain everything and sit on call with me to garuntee my understanding . He recommended an excellent realtor that made the process seamless and very transparent. If I could recommend anyone to a Lendor it will 100% be Felix in the future. The energy and attitude he extends trully makes you feel comfortable and like he is their for you and only you, not for the company or for the seller... he is here to make the buyer is aware of everything. I am thankful to have used Ruoff Mortgage and to have had Felix Velez as my Loan officer . Thank you again team for everthing . My new house is amazing

Caitlin M S.

Medina, OH, Feb 19, 2026, 5:12 PM

Felix was quick to respond and on top of everything. He made everything so seam

Nicholas C S.

Medina, OH, Feb 15, 2026, 4:15 PM

Felix was top notch! Fast reponses and knowledeable. He make process very easy.

Roanny C.

Lorain, OH, Jun 27, 2026, 8:40 PM

What made my experience excellent was the outstanding customer service. The team was professional, responsive, and communicated clearly throughout the entire process. They were punctual, helpful, and made everything smooth and stress-free. I truly appreciated their attention to detail and commitment to providing excellent service.

Brenda I C.

Cleveland, OH, May 11, 2026, 10:37 AM

was amazing from start to finish. He explained everything any questions I had he answered he even explained things he felt like I needed to understand. This was an amazing experience and I would definitely recommend Felix to anyone looking for a loan. This is definitely a five star experie

Valentina B.

Cleveland, OH, Apr 27, 2026, 3:11 PM

Felix is amazing he went above and beyond for my family, great person he have my strenght and ability it was a honor

Mason E S.

EASTLAKE, OH, Mar 27, 2026, 3:23 PM

Felix was beyond incredbile he made the process of buying my first home better than I could have ever expected. I went in knowing absolutely nothing about the loan process or how to even start buying a house. Felix made sure to thoroughly explain everything and sit on call with me to garuntee my understanding . He recommended an excellent realtor that made the process seamless and very transparent. If I could recommend anyone to a Lendor it will 100% be Felix in the future. The energy and attitude he extends trully makes you feel comfortable and like he is their for you and only you, not for the company or for the seller... he is here to make the buyer is aware of everything. I am thankful to have used Ruoff Mortgage and to have had Felix Velez as my Loan officer . Thank you again team for everthing . My new house is amazing

Caitlin M S.

Medina, OH, Feb 19, 2026, 5:12 PM

Felix was quick to respond and on top of everything. He made everything so seam

Nicholas C S.

Medina, OH, Feb 15, 2026, 4:15 PM

Felix was top notch! Fast reponses and knowledeable. He make process very easy.

Renee R.

Maple Heights, OH, Feb 11, 2026, 7:14 PM

The commitment of your service and time made this possible. I am blessed with a beautiful home. Not just a house, but a "HOME". Thank you!

Carlos X P.

Cleveland, OH, Jan 3, 2026, 4:13 PM

Mr Feliz Velez and Miss Nilde was that most wonderful persons I meet; they help me in everything I need to buy my own home 🏡 ❤️ and I recommend for the future people who wanna buy her own homes; they are the best 👌 good communication and helpful...thank so much for all you help..

Anastacia P.

Cleveland, OH, Dec 10, 2025, 4:08 PM

Thanks full for evething I preciate

Reyna N T.

Newburgh Heights, OH, Nov 18, 2025, 4:16 PM

Felix was more than excellent. He guided me through the whole process with knowledge, professionalism and patience. He was always available to all the crazy question and ignorance that I had, no matter the time or day. I tought it was impossible to buy a house, but he made my dream come true. He made this journey pleasant and easy. He did more and beyond to make this process smooth. Thank you so much to Felix, He deserves a race. I recommend you all of you 100%!! Thanks you so much!!

Jacob S M.

Painesville, OH, Nov 15, 2025, 1:33 PM

Felix was excellent throughout, from the initial call to close, Felix treated us with respect and dignity - would recommend him to anyone and everyone. Thanks again for getting us into our home !

Joseph M B.

Coshocton, OH, Oct 24, 2025, 4:52 PM

My loan officer took care of all my needs

Juan C E.

Cleveland, OH, Jul 2, 2025, 6:34 PM

Felix Velez

Renee R.

Maple Heights, OH, Feb 11, 2026, 7:14 PM

The commitment of your service and time made this possible. I am blessed with a beautiful home. Not just a house, but a "HOME". Thank you!

Carlos X P.

Cleveland, OH, Jan 3, 2026, 4:13 PM

Mr Feliz Velez and Miss Nilde was that most wonderful persons I meet; they help me in everything I need to buy my own home 🏡 ❤️ and I recommend for the future people who wanna buy her own homes; they are the best 👌 good communication and helpful...thank so much for all you help..

Anastacia P.

Cleveland, OH, Dec 10, 2025, 4:08 PM

Thanks full for evething I preciate

Reyna N T.

Newburgh Heights, OH, Nov 18, 2025, 4:16 PM

Felix was more than excellent. He guided me through the whole process with knowledge, professionalism and patience. He was always available to all the crazy question and ignorance that I had, no matter the time or day. I tought it was impossible to buy a house, but he made my dream come true. He made this journey pleasant and easy. He did more and beyond to make this process smooth. Thank you so much to Felix, He deserves a race. I recommend you all of you 100%!! Thanks you so much!!

Jacob S M.

Painesville, OH, Nov 15, 2025, 1:33 PM

Felix was excellent throughout, from the initial call to close, Felix treated us with respect and dignity - would recommend him to anyone and everyone. Thanks again for getting us into our home !

Joseph M B.

Coshocton, OH, Oct 24, 2025, 4:52 PM

My loan officer took care of all my needs

Juan C E.

Cleveland, OH, Jul 2, 2025, 6:34 PM

Felix Velez

Calculate Based on Your Individual Needs


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Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Felix Velez

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Ohio

Felix Velez

Senior Loan Officer

NMLS: 297070

OH: MLO.032754.001

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

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******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.