Hi, I’m Heather Bozarth, and I am a Senior Mortgage Loan Officer at Ruoff Mortgage. For over 16 years, I have helped families navigate the residential finance world, specializing in serving homebuyers throughout Bloomington, Monroe County, Indiana, and the surrounding regional markets. Because buying a home is one of life’s most significant transitions, I reject traditional 9-to-5 office hours. My clients and Realtor® partners have direct access to me on nights and weekends when real estate actually happens. 

My commitment to elite execution delivers measurable results. I am proud to have been named the Bloomington Branch Originator of the Year and a company-wide President’s Club member for 2023, 2024, and 2025, while consistently maintaining an industry-leading average of just 14 days to close.** This proven production is backed by a deep background in finance, including six years with Ruoff, previous experience at a local bank, and eight years as a Private Client Banker managing complex portfolios. A Bloomington resident since 2005, my deep local roots allow me to guide clients with unparalleled regional market insight.

To truly serve a community, you have to help shape it. I actively drive industry standards and housing policy as the former President of the South Central Indiana Mortgage Bankers Association, a Board Member for the Indiana Mortgage Bankers Association (IMBA), and a Preferred Service Partner for the Indiana Uplands Realtor Association (IURA). I also serve as Co-Chair for the Realtor Association's Government Affairs Committee, focusing heavily on local economic development and affordable housing initiatives. Additionally, because investments often expand beyond state lines, I am fully licensed in Tennessee and Florida, maintaining deep personal and professional ties to the Florida Panhandle to seamlessly facilitate vacation homes and secondary property financing. Whether you are a first-time buyer or an experienced investor, I am here to make your lending happy. #HappyLending