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Picture of Heather Bozarth
Picture of Heather Bozarth

Hi, I'm Heather!

Senior Loan Officer

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

98.56% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Heather!

Senior Loan Officer

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

98.56% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Hello there, I'm Heather, your not-so-typical senior loan officer with Ruoff Mortgage. I've been navigating the mortgage world since 2010, and trust me, I've seen it all! From first-time buyers to seasoned homeowners, I've got you covered like a warm, cozy blanket on a chilly day. I firmly believe that anyone who works with me ends up better off. After all, who doesn't want a new home, a lower interest rate, or some extra cash from the equity in their home? If you're dreaming of a perfect home, I'm dreaming of #HappyLending.

Right now, I'm strutting my stuff in the top 15% of lenders at Ruoff Mortgage this year. Not to brag, but it's not every day you meet a numbers wizard with a sense of humor, is it? At home, my partner-in-crime is my hubby. We're the proud parents of three amazing daughters who keep us on our toes. Oh, and let's not forget our feline overlord and a four-legged goofball pittie in the mix. When I'm not crunching numbers or wrangling the family zoo, you'll find me chasing that perfect exercise high. Weightlifting is my jam, and sunshine is my secret ingredient for happiness. You could say I'm a sun-worshipping fitness enthusiast with a mortgage calculator on the side. While I might be a pro with numbers, my green thumb is a bit rusty. Gardening? Let's just say I've been in a long-term relationship with potted plants that, sadly, ended in heartbreak. Who knows, maybe one day I'll discover the secret to keeping plants alive – or maybe I'll just stick to helping you grow your equity instead.

Ready to take the next step toward your home dreams? Reach out to me, and let's make your mortgage journey as smooth as butter. I promise to bring my number-crunching expertise, a dash of humor, and a sprinkle of sunshine into the mix.

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President's Club Member

President's club seal 2023

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

  • Review 1

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    Heather was amazing and always was just a message away if we needed anything! I would never consider using anyone else. She was very professional and easy to work with.

    David B P.

    Greenwood, IN, July 18th, 2024 01:12 PM

  • Review 2

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    Great experience Heather’s a real pro

    Russell C.

    Ellettsville, IN, July 15th, 2024 11:07 AM

  • Review 3

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    I contacted Heather about a cash out refinance to help payoff debt. I was very stressed out and feeling overwhelmed. Heather got me a handful of options laid out quickly, explained each option, and helped me feel confident in my decision. Everything was very smooth, Heather was very quick to answer any questions I had, and I felt the weight just lifting off my shoulders as we got closer to closing. This was not my first time working with her and she'll be my first call every time I need help. I highly recommend Heather! She is the absolute best!

    Darcy M P.

    Greenwood, IN, July 15th, 2024 11:28 AM

  • Review 4

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    Very easy process, good communication, and pain free closing! Thank you!

    Kyle B S.

    Bloomington, IN, June 29th, 2024 02:10 PM

  • Review 5

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    Heather was wonderful and the process was super simple

    Colleen M S.

    Bloomington, IN, June 30th, 2024 08:12 PM

  • Review 6

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    I really appreciated Heather communicating with me via text and phone as we resolved an error on my credit report. She handled everything beautifully start to finish.

    Genevieve K.

    Bloomington, IN, June 19th, 2024 11:10 AM

  • Review 7

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    Loan process was much easier than I had expected. Heather helped me understand my loan options and choose what worked best for me.

    Jackson Drake E.

    Bloomington, IN, June 13th, 2024 12:12 PM

  • Review 8

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    Heather was incredible to work with! Friendly, kind and straight forward. I was extremely impressed by the tech Ruoff uses to support the mortgage application process. The Loan Butler dashboard with the clear milestones was truly awesome! I never felt like tech impeded the stressful mortgage process. The whole experience feel smooth and manageable.

    Sarah V.

    Indianapolis, IN, June 10th, 2024 11:08 AM

  • Review 9

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    Heather is so helpful, knowledgeable, honest, and kind. She's awesome.

    Cody M K.

    Bloomington, IN, May 17th, 2024 01:34 PM

  • Review 10

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    Heather was helpful and communicative every step of the way!

    Hannah J W.

    Bloomington, IN, May 20th, 2024 11:21 AM

  • Review 11

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    Heather was fantastic! VERY responsive.

    Konnor J G.

    Bloomington, IN, May 20th, 2024 11:10 AM

  • Review 12

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    Heather we excellent and made everything really smooth.

    Whitney E K.

    Bloomington, IN, May 16th, 2024 01:36 PM

  • Review 13

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    Heather with Ruoff did an excellent job handling my loan and account.

    Kenneth L S.

    Bloomington, IN, May 3rd, 2024 01:44 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.

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 812.361.6667 or message me below!

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