When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Jamie Castellana | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Murphy J G.

Howe, IN, May 20, 2023, 2:43 PM

Jamie was just very pleasant to work with. She processed my loan very quickly and seamlessly navigated me through underwriting which can be a difficult process if you have the wrong agent. Thanks so much Jamie!!!

Connor M A.

Fort Wayne, IN, May 27, 2023, 5:19 PM

Nothing. Everything was super easy.

Eric C T.

Fort Wayne, IN, Jun 15, 2023, 7:01 PM

Jamie helped me navigate through the process when I ran in to some difficulty getting the funds out of my bank account. She came up with an alternative that helped me still get my condo, I’m very grateful to have worked with her.

Jessica N.

Feb 24, 2023, 8:42 AM

Jamie was absolutely amazing. She is a great asset to your team! I also worked with Angie and she was great to work with as well. These two made everything quick, easy, and stress free!

Brian E N.

Fort Wayne, IN, Aug 17, 2023, 8:37 PM

Everything was a pleasant and very upfront and organized. Jamie Carter was very pleasant so was Joel Scheer. Thanks again!!!!

Bienca C R.

Fort Wayne, IN, Aug 25, 2023, 4:02 PM

Great and communicative was willing to help every step of the way.

Murphy J G.

Howe, IN, May 20, 2023, 2:43 PM

Jamie was just very pleasant to work with. She processed my loan very quickly and seamlessly navigated me through underwriting which can be a difficult process if you have the wrong agent. Thanks so much Jamie!!!

Connor M A.

Fort Wayne, IN, May 27, 2023, 5:19 PM

Nothing. Everything was super easy.

Eric C T.

Fort Wayne, IN, Jun 15, 2023, 7:01 PM

Jamie helped me navigate through the process when I ran in to some difficulty getting the funds out of my bank account. She came up with an alternative that helped me still get my condo, I’m very grateful to have worked with her.

Jessica N.

Feb 24, 2023, 8:42 AM

Jamie was absolutely amazing. She is a great asset to your team! I also worked with Angie and she was great to work with as well. These two made everything quick, easy, and stress free!

Brian E N.

Fort Wayne, IN, Aug 17, 2023, 8:37 PM

Everything was a pleasant and very upfront and organized. Jamie Carter was very pleasant so was Joel Scheer. Thanks again!!!!

Bienca C R.

Fort Wayne, IN, Aug 25, 2023, 4:02 PM

Great and communicative was willing to help every step of the way.

aungkyawmya15

Fort Wayne, IN, Sep 25, 2023, 3:38 PM

Jamie run the shows. She knows exactly what to do, when to do, possibly or not possibly, the transaction was very smooth as always. If you are looking for Lender hit her up. She’s the best. No headache,,,,,

Ra Si D.

Fort Wayne, IN, Oct 9, 2023, 4:13 PM

I had a great experience.

U Soke L.

Fort Wayne, IN, Oct 16, 2023, 3:02 PM

I had a great experience.

SA KYI D.

Fort Wayne, IN, Nov 14, 2023, 4:01 PM

Love how flexible and easy the process is

Trevor S L.

Woodburn, IN, Nov 24, 2023, 6:10 PM

The whole process was very smooth and easy. Jamie kept me updated and up to date with everything.

Garrett Salem S.

Fort Wayne, IN, Apr 26, 2024, 3:24 PM

No comments. Everything was perfect.

Tyler Anthony V.

Huntington, IN, Jul 5, 2024, 5:41 PM

Quick and easy

aungkyawmya15

Fort Wayne, IN, Sep 25, 2023, 3:38 PM

Jamie run the shows. She knows exactly what to do, when to do, possibly or not possibly, the transaction was very smooth as always. If you are looking for Lender hit her up. She’s the best. No headache,,,,,

Ra Si D.

Fort Wayne, IN, Oct 9, 2023, 4:13 PM

I had a great experience.

U Soke L.

Fort Wayne, IN, Oct 16, 2023, 3:02 PM

I had a great experience.

SA KYI D.

Fort Wayne, IN, Nov 14, 2023, 4:01 PM

Love how flexible and easy the process is

Trevor S L.

Woodburn, IN, Nov 24, 2023, 6:10 PM

The whole process was very smooth and easy. Jamie kept me updated and up to date with everything.

Garrett Salem S.

Fort Wayne, IN, Apr 26, 2024, 3:24 PM

No comments. Everything was perfect.

Tyler Anthony V.

Huntington, IN, Jul 5, 2024, 5:41 PM

Quick and easy

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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A Bit About Me

Integrity is the foundation of my business. As a Senior Loan Officer with Ruoff Mortgage, I'm committed to helping clients achieve their homeownership goals with personalized financing solutions—not just closing loans. With more than 25 years in the financial industry, I've helped first-time homebuyers, move-up buyers, investors, and homeowners looking to refinance navigate the mortgage process with confidence. My goal is to find the loan that's right for your unique financial situation while providing honest guidance, clear communication, and exceptional service from application through closing and beyond. I'd love the opportunity to earn your trust and become your lender for life.