Ruoff Mortgage
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Jamie Freeze

Senior Loan Officer

NMLS: 1580657 | GA: 1580657 | OH: MLO-OH.1580657

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Jamie

98.19%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Georgia, Indiana, Ohio

Meet our happy homeowners***

View All Testimonials

William Matthew M.

Harlan, IN, Jul 29, 2026, 12:31 AM

Strong communication from the Freeze team made this a seamless process . Jamie was very knowledgeabl, and Jenna also did a great job supporting us with obtaining our homeowners insurance

Joseph R F.

Bluffton, IN, Jul 20, 2026, 4:26 PM

Jamie was a pleasure to work with. Her and her team helped us get the home of our dreams seamlessl.

Hector Z.

Fort Wayne, IN, Jul 18, 2026, 12:23 AM

When we decided to move and apply for a new loan I was thinking to check multiple options, Im glad our first option Jamie and Ruoff! It was so good since the very beginnin, I didn't even talked with other lender!

Dennis Michael K.

Garrett, IN, Jul 16, 2026, 8:30 PM

Jamie was highly competent and professiona, and a pleasure to work with.

Carol A M.

Fort Wayne, IN, Jul 14, 2026, 3:12 PM

Every single person was wonderful! I have already recommended you to several people! Easy and fast!

Daniel R G.

Columbia City, IN, Jul 13, 2026, 4:57 PM

Jamie was helpful from the start. She was always reachable and kept clear lines of communication open which made the process smooth.

William Matthew M.

Harlan, IN, Jul 29, 2026, 12:31 AM

Strong communication from the Freeze team made this a seamless process . Jamie was very knowledgeabl, and Jenna also did a great job supporting us with obtaining our homeowners insurance

Joseph R F.

Bluffton, IN, Jul 20, 2026, 4:26 PM

Jamie was a pleasure to work with. Her and her team helped us get the home of our dreams seamlessl.

Hector Z.

Fort Wayne, IN, Jul 18, 2026, 12:23 AM

When we decided to move and apply for a new loan I was thinking to check multiple options, Im glad our first option Jamie and Ruoff! It was so good since the very beginnin, I didn't even talked with other lender!

Dennis Michael K.

Garrett, IN, Jul 16, 2026, 8:30 PM

Jamie was highly competent and professiona, and a pleasure to work with.

Carol A M.

Fort Wayne, IN, Jul 14, 2026, 3:12 PM

Every single person was wonderful! I have already recommended you to several people! Easy and fast!

Daniel R G.

Columbia City, IN, Jul 13, 2026, 4:57 PM

Jamie was helpful from the start. She was always reachable and kept clear lines of communication open which made the process smooth.

Michael W H.

Kendallville, IN, Jun 18, 2026, 6:33 PM

Jamie was very confident in everything she did and said to us, really made our experience as stress free as possible. Her and her staff was very friendly and quick with responses. We really appreciate everything this team did for us.

Shaylene K S.

Fort Wayne, IN, Jun 19, 2026, 5:27 PM

Jamie was great! she always kept me updated and was super friendly!

Mackenzie R.

Angola, IN, Jun 9, 2026, 5:24 PM

Everything! I was impressed by how seamless Jamie made everything. Her communication and her shared excitement during this process made everything less stressful and more fulfilling.

Austin T W.

Fort Wayne, IN, May 20, 2026, 4:12 PM

Jamie really made the whole experience so much easier really glad we got to work with her!

Matthew D S.

Yoder, IN, May 19, 2026, 9:54 PM

Jamie and her assistant, Jenna, went way above and beyond, from the application to the closing. Everything was top notch, professional, timely and customer-focused, from communication to organization to strategizing interest rate and closing expectations. This is my third closing with Jamie, and I don't intend on ever using any other loan officer.

Brittney F.

Huntington, IN, May 7, 2026, 12:09 PM

Jamie and her team made this process incredibly easy. First time buyer and I had no idea that buying could be this easy! Jamie set me up with my awesome realtor, Alyssa. The whole experience was wonderful. Appreciate the team for making my dream home mine!

Hannah R G.

Wolcottville, IN, Apr 28, 2026, 2:31 AM

Working with Jamie at Ruoff Mortgage was truly one of the best parts of our home buying experience. From the very beginning, she made us feel confident, informed, and completely taken care of. Jamie is an incredible communicator—she kept us updated every step of the way, answered every question quickly (and we had plenty!), and explained things in a way that actually made sense. Nothing ever felt overwhelming because she was always one step ahead, guiding us through the process with so much patience and clarity. What stood out most was how genuinely supportive she was. You can tell she truly cares about her clients—not just getting to the closing table, but making sure you feel secure and confident in every decision along the way. That kind of peace of mind is priceless when you’re making such a big investment. From start to finish, Jamie made the entire process feel smooth, organized, and even enjoyable. We are so thankful for her and would recommend her to anyone in a heartbeat.

Michael W H.

Kendallville, IN, Jun 18, 2026, 6:33 PM

Jamie was very confident in everything she did and said to us, really made our experience as stress free as possible. Her and her staff was very friendly and quick with responses. We really appreciate everything this team did for us.

Shaylene K S.

Fort Wayne, IN, Jun 19, 2026, 5:27 PM

Jamie was great! she always kept me updated and was super friendly!

Mackenzie R.

Angola, IN, Jun 9, 2026, 5:24 PM

Everything! I was impressed by how seamless Jamie made everything. Her communication and her shared excitement during this process made everything less stressful and more fulfilling.

Austin T W.

Fort Wayne, IN, May 20, 2026, 4:12 PM

Jamie really made the whole experience so much easier really glad we got to work with her!

Matthew D S.

Yoder, IN, May 19, 2026, 9:54 PM

Jamie and her assistant, Jenna, went way above and beyond, from the application to the closing. Everything was top notch, professional, timely and customer-focused, from communication to organization to strategizing interest rate and closing expectations. This is my third closing with Jamie, and I don't intend on ever using any other loan officer.

Brittney F.

Huntington, IN, May 7, 2026, 12:09 PM

Jamie and her team made this process incredibly easy. First time buyer and I had no idea that buying could be this easy! Jamie set me up with my awesome realtor, Alyssa. The whole experience was wonderful. Appreciate the team for making my dream home mine!

Hannah R G.

Wolcottville, IN, Apr 28, 2026, 2:31 AM

Working with Jamie at Ruoff Mortgage was truly one of the best parts of our home buying experience. From the very beginning, she made us feel confident, informed, and completely taken care of. Jamie is an incredible communicator—she kept us updated every step of the way, answered every question quickly (and we had plenty!), and explained things in a way that actually made sense. Nothing ever felt overwhelming because she was always one step ahead, guiding us through the process with so much patience and clarity. What stood out most was how genuinely supportive she was. You can tell she truly cares about her clients—not just getting to the closing table, but making sure you feel secure and confident in every decision along the way. That kind of peace of mind is priceless when you’re making such a big investment. From start to finish, Jamie made the entire process feel smooth, organized, and even enjoyable. We are so thankful for her and would recommend her to anyone in a heartbeat.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

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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Jamie Freeze

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Georgia, Indiana, Ohio

Jamie Freeze

Senior Loan Officer

NMLS: 1580657

GA: 1580657

OH: MLO-OH.1580657

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.