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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.


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*

  • Heather was a literal dream to work with and I could not have asked for a better person to navigate me through this process. As a first time home buyer, I had a ton of questions and she was super responsive, patient and helpful the whole time. She explained things to me in a way that made sense and made me feel very comfortable. I also applied for a loan through a local credit union at the same time I applied through Ruoff and the difference between Heather and the other loan officer was one of the main reasons I agreed to go with Ruoff instead. I never felt judged and I was treated as a customer and valued client instead of someone who had to explain why they deserved a loan, which was the experience I had with the credit union. Heather answered my calls quickly even with my odd work schedule and strange hours and she was funny and kind and made the process feel less daunting. She also worked super quickly and her associate Meghan was very easy to work with as well. She worked with me to figure out the best interest rate I could afford and I genuinely felt she and her team were on my side in this process. She and my real estate agent were such a rockstar team and if I ever have to buy another house, I know where I’m going!

    Sevanna S, happy client
  • We had the most positive experience we’ve ever had with the whole loan process! The team made this seamless and the most efficient closing ever! From the beginning to close! Ruoff rocks!

    Douglas U, happy client
  • Communication was great and personable! Heather was incredible to work with.

    Breanne B, happy client
  • The lines of communication were excellent. Quick responses to questions, very timely correspondence, very organized.

    Paul W, happy client
  • Heather was very prompt in answering questions As an out-of-state buyer, this type of response provided a level of comfort in the process not so easily found today.

    Ben J, happy client
  • Utilizing Heather as our loan officer was one of the best decisions my husband and I made during our home buying process. Although we were not first time home buyers, we still had many questions and needed to talk through many scenarios. Heather was there for us every step of the way and always made me feel comfortable and confident in the decisions we were making. She never hesitated when I needed something repeated or broken down better so I could understand. Heather is professional, caring, and most definitely experienced. Home buying can be stressful, but with Heather as our loan officer, the experience was much more enjoyable. We truly appreciate Heather's hard work, and it means a lot to know we can always depend and trust in her. I know that we will always go to Heather with any future home buying or refinancing in the future.

    Brookelyn W, happy client
  • From the beginning my loan officer Heather was very helpful and quick to respond to all of my questions. As a first time home buyer she made my experience very pleasant and took the time to explain all of the documents. I wouldn't change a thing!

    Linda V, happy client
  • Heather was amazing! This was our first home buying experience my anxiety was through the roof and I could call her or Brittany at any time and they were there to give me peace of mind. Truly wonderful women!

    Koleman G, happy client
  • My loan officer Ms. Heather Bozarth was exceptional. She always tried to do the best for me as a client and communicated any changes/issues right away. She responded to texts/emails immediately even if it's off-hours or weekends and alleviated any concerns. Thank you, Heather!

    Vani K, happy client
  • This was my wife and I’s first time ever going through the home buying process. At first, we were nervous/scared but at no point did Heather or any other Ruoff member leave us in the dark. Everything was always explained in ways for us to understand and at no point in time did we have to wait for a response to our questions. We highly recommend and we can not thank Heather and the other Ruoff members enough!

    Bret M, happy client
  • Heather was amazing. She was quick to answer or return my call. We hadn’t moved in 30 years and she walked us through the entire process.

    Lori G, happy client
  • Heather was extremely responsive and supportive of my needs as a customer.

    Andy Bosk, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score.*


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


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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