High Contrast:
Get Started
Picture of Fern Hollingshead
Picture of Fern Hollingshead

Hi, I'm Fern!

Senior Loan Officer

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

95.72% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Fern!

Senior Loan Officer

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

95.72% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
Get Started

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*

  • 4.75
    Rating source icon

    Quickly helped with any questions or concerns and communication was excellent! The whole process was amazingly easy!

    James D F.

    Niles, MI, July 7th, 2024 07:27 AM

  • 5.0
    Rating source icon

    Everything was absolutely fantastic, even when there were bumps in the road. Fern helped us keep moving and get this done.

    Sara E S.

    Saint Joseph, MI, November 25th, 2023 11:05 AM

  • 5.0
    Rating source icon

    Fern was a delight to work with! She was always quick to answer any of my questions during the process of buying my first home. She went above and beyond explaining the process of every step and what to expect. She took her work to the next level and worked after hours keeping in touch with where the process was and what to expect for the following day!

    Grace D.

    Niles, MI, June 30th, 2023 09:00 PM

  • 5.0
    Rating source icon

    We had a very easy loan and closing process.

    Rick A S.

    Niles, MI, July 2nd, 2024 12:26 PM

  • 5.0
    Rating source icon

    Very knowledgeable and very quick with responses and updates on the process. Also very friendly to work with.

    Robert A.

    Niles, MI, May 13th, 2024 11:03 AM

  • 5.0
    Rating source icon

    Kelly and Fern are excellent!! We felt very confident in their skills and knowledge. They made the whole process smooth and worry free. They were very quick to respond to any questions. This whole process was simple because of them. We plan on working with them in the future and will be recommending them to everyone.

    Janelle M S.

    Berrien Springs, MI, October 28th, 2023 09:07 PM

  • 5.0
    Rating source icon

    Finding a home has been an extremely frustrating five year journey that seemed like would never end. We closed almost immediately after switching to you guys.

    Sean C T.

    Dowagiac, MI, March 22nd, 2024 11:02 AM

  • 5.0
    Rating source icon

    Mallary D.

    April 15th, 2023 11:53 AM

  • 5.0
    Rating source icon

    Everything was seamless and quick

    Cedric L M.

    Benton Harbor, MI, September 29th, 2023 12:05 PM

See More

Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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 269.325.8470 or message me below!

Download our !