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Picture of Jack Hammons
Picture of Jack Hammons

Hi, I'm Jack!

SVP | Area Manager

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

99.67% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Jack!

SVP | Area Manager

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

99.67% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

With a rich career spanning more than two decades in the mortgage industry, my passion lies in redefining the client’s real estate journey. My customer service philosophy is centered on respect, transparency, and empathy, acknowledging the profound and stressful decision of purchasing a home. In my early days as an account executive, I collaborated with brokers and wholesalers to hone my skills and expertise to ensure that clients not only received sound advice but could embark on their homeownership journey with confidence.

I prioritize open communication, offer honest guidance, and tailor solutions to meet individual needs. My goal is to make each client’s experience seamless, guiding them through the process and educating them to secure the right loan for their unique requirements. My dedication goes beyond mere transactions; it’s about cultivating enduring relationships built on trust. I am committed to turning the dream of homeownership into a reality, providing unparalleled support and integrity every step of the way.

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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

    It was an excellent experience!

    Kristin K.

    CHARLESTON, SC, January 29th, 2024 09:28 PM

  • 5.0
    Rating source icon

    I have used Jacks services on eight different loans. Every time he is a constant professional, and very knowledgeable. I recommend him highly to anyone who needs a loan. He’s very polite and understanding throughout the entire process.

    Melissa Y.

    Lincoln Park, MI, August 6th, 2023 07:59 PM

  • 5.0
    Rating source icon

    The entire experience was great. Jack is very knowledgeable, he went above and beyond, and is a great person in general. I can say the same for his assistant, Debbie, as she was very helpful, and helped make the process efficient.

    Adam I.

    Taylor, MI, November 16th, 2023 04:35 AM

  • 5.0
    Rating source icon

    Jack and Debbie were both very pleasant to work with and kept me informed all along the process of refinancing of my home.

    Vicki Kaye H.

    Westerville, OH, June 17th, 2024 02:58 PM

  • 5.0
    Rating source icon

    I use Jack’s services for all my loans. The man is very professional and does an outstanding job. Debbie Johnson is also a wonderful person as well. They both do a fantastic job.

    Melissa Y.

    Lincoln Park, MI, May 7th, 2024 12:25 PM

  • 5.0
    Rating source icon

    Jack and Debbie did an amazing job processing our loan from start to finish. During our initial steps to secure our loan, I was considering a different institution; a credit union based on the assumption of lower rates. Lower rates or not, I could never get in touch when I needed. Ultimately, Jack Hammons from Ruoff Mortgage was referred to us. There wasn't a moment throughout the process where if we needed clarity it was not immediate. Jack and Debbie were available to us at all hours of the day. Even with unanticipated hiccups along the way from the counter-party in our deal, Jack was totally transparent and confident that things were going to workout and close on schedule. In reference to a friendly experience - as close as family - my wife and I had a baby the day prior to closing and Jack and Debbie where right there with us asking for updates and giving salutations. I cannot say enough about the entire Ruoff team; extremely friendly, efficient, transparent, and honest. I fully recommend them and will use them always in the future. Thanks.

    Aaron T.

    DUBLIN, OH, April 9th, 2024 01:58 PM

  • 5.0
    Rating source icon

    Chris was wonderful

    Nicholas P L.

    Alpena, MI, January 6th, 2024 11:43 AM

  • 5.0
    Rating source icon

    Chris was FANTASTIC to work with. Was available and responsive any time we needed him! Very helpful and really did the leg work to get is the best rate.

    Sara E S.

    Alpena, MI, January 8th, 2024 06:30 PM

  • 5.0
    Rating source icon

    You guys are awesome

    Tyler T.

    January 24th, 2023 09:34 AM

  • 5.0
    Rating source icon

    Jack was very patient with us. Thanks again.

    Paul R K.

    Brownstown Twp, MI, September 18th, 2023 04:07 PM

  • 5.0
    Rating source icon

    Jack is the best.

    Joshua N.

    Columbus, OH, December 25th, 2023 12:01 PM

  • 5.0
    Rating source icon

    Jack and Debbie were both great to work with. Diana great job of explaining the process and kept things moving so we could make our closing date.

    William T W.

    Galena, OH, March 18th, 2024 11:08 AM

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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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Call me at 248.672.3600 or message me below!

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