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Picture of Florence Davis
Picture of Florence Davis

Hi, I'm Florence!

Senior Loan Officer

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

99.57% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Florence!

Senior Loan Officer

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

99.57% 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.
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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*

  • 5.0
    Rating source icon

    What can I say about Flo that I’m sure hasn’t been said by anyone lucky enough to work with her? I started my mortgage process with xxxxxx Mortgage and had the absolute worst experience in any customer service capacity of my life. Due to them, I lost the house I initially wanted. Then I found Ruoff, and Flo changed everything. She made every single step of the way as simple as humanly possible, taking my nightmare and turning it into a dream come true! I know Ruoff didn’t help me find my new house, but it almost feels like I never would’ve found it without them. My loan officer was extremely knowledgeable, and able to navigate the issues I ran into with xxxxxx easily! I can’t even begin to tell you how much Flo’s inviting demeanor and expertise reduce my stress in arguably the most stressful experience of mine to date. I can’t thank the whole team at Ruoff enough for helping me secure my house and going out of their way to help me every step of the way!

    Alex S.

    New Carlisle, OH, July 2nd, 2024 01:35 PM

  • 5.0
    Rating source icon

    Flo was an amazing loan officer! She was very quick to return calls and txts whether it was during normal working hours or after hours! She was knowledgeable in every aspect of the VA loan and the whole process went smoothly. If I had to recommend someone to anybody it would be her!

    Matthew William H.

    Dayton, OH, July 12th, 2024 11:27 AM

  • 5.0
    Rating source icon

    Brooke S.

    February 14th, 2023 08:38 AM

  • 5.0
    Rating source icon

    Florence kept me well informed throughout the process and was exceptionally courteous and dedicated to helping me buy my new home.

    Jonathan H.

    Memphis, TN, June 28th, 2024 11:29 AM

  • 5.0
    Rating source icon

    Process was clear and simple throughout. Any questions were answered immediately. Appreciate all of the help with the purchase.

    Dennis T.

    Oxford, MS, June 27th, 2024 11:48 AM

  • 5.0
    Rating source icon

    Florence was very nice and attentive to my needs. She answered all of my questions thoroughly and was there whenever I needed her.

    Grace E T.

    Cincinnati, OH, June 9th, 2024 05:54 PM

  • 5.0
    Rating source icon

    Very informative!!

    Leanhour T.

    Cincinnati, OH, June 10th, 2024 05:10 PM

  • 5.0
    Rating source icon

    Communication was excellent and Florence was very prompt and friendly. Your electronic systems are also easy to use.

    Faisal S B.

    Beavercreek, OH, June 15th, 2024 07:16 PM

  • 5.0
    Rating source icon

    Flo made everything extremely easy and simple. It helped a lot with the stress of buying a new home.

    Jamie E.

    Cincinnati, OH, June 16th, 2024 04:12 PM

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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.

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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 330.328.0062 or message me below!

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