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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.

97.22% 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.

97.22% 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

    Source of Rating Icon

    Heather and her team were so efficient. We needed to move fast in order to close on our new home and they delivered. It was a pleasure working with them and weight off our shoulders knowing we had them on our side.

    Jesus A F.

    Spencer, IN, October 1st, 2024 11:05 AM

  • Review 2

    Source of Rating Icon

    Heather was wonderful to work with throughout the entire process. She was able to help us on short notice which allowed us to close on time. Thanks, Heather!

    Brent Taylor C.

    Bloomington, IN, August 22nd, 2024 11:23 AM

  • Review 3

    Source of Rating Icon

    Staying on top of each step of the process. Willing to answer questions after hours. Lastly, making our home buying experience easy to walk through.

    James J.

    Spencer, IN, August 21st, 2024 09:17 PM

  • Review 4

    Source of Rating Icon

    Heather and her team were really wonderful to work with. Gave us different options and was responsive. She went above and beyond. We are grateful for all their hardwork.

    Franelou J.

    Spencer, IN, August 18th, 2024 03:56 PM

  • Review 5

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    From the moment I called Heather, everything came together. She is extremely efficient, knowledgeable, and communicates in a clear and concise fashion. This is the 7th home I have owned, and the Smoothest Process Award goes to Heather!

    Lynann B.

    Bloomington, IN, August 12th, 2024 09:36 AM

  • Review 6

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    Great professional staff!! I will be working to refinance through Ruoff as soon as the rates drop. Thanks,

    Jason M.

    Gosport, IN, August 11th, 2024 03:03 PM

  • Review 7

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    Heather was superb in every way. The night was never too late or morning never too early for her to answer a question or calm our nerves. She made a potentially opaque process transparent and her naturally ebullient personality always made us feel upbeat.

    Janette F.

    Bloomington, IN, August 6th, 2024 11:46 AM

  • Review 8

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    Heather was outstanding. She was always available, no matter what time of day and she was clear and precise in all that she articulated to us. She responded to our email and texts in a timely manner and was easy to talk to. I thoroughly recommend Heather to future Ruoff clients.

    Richard W L.

    Bloomington, IN, August 2nd, 2024 12:26 PM

  • Review 9

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    I wish the communication between the underwriters and the loan office was better and more up to date. I recd emails that conflicted with current statuses. Heather however was amazing and patient.

    Roseanna W.

    Mitchell, IN, August 2nd, 2024 11:40 AM

  • Review 10

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    Noticed how knowledgeable Heather was and that she took time to explain the process and answer my questions every step of the way. Her communication made it a completely stress free proces

    Jeffery C.

    Bloomington, IN, July 29th, 2024 10:20 PM

  • Review 11

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    Heather was amazing to work with and her communication was exemplary! I'll be reaching out to her for my next home purchase!

    Robert Eugene B.

    Bloomington, IN, July 27th, 2024 11:45 AM

  • Review 12

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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 13

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    Great experience Heather’s a real pro

    Russell C.

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

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Why should you choose Ruoff?

67

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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Call me at 812.361.6667 or message me below!

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