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Jan Edwards

Senior Loan Officer

NMLS: 828721

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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Jan

98.83%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Timothy J B.

MISHAWAKA, IN, May 15, 2024, 1:08 PM

This was a great experience. Jan was incredibly helpful and responsive. She took the time to explain everything to us and made sure we understood everything. We felt comfortable and knew that if we had questions Jan would answer them immediately.

Alexis M G.

Granger, IN, Feb 19, 2024, 7:22 PM

Jan was always checking in and made me comfortable enough to ask questions when I was confused. During closing she made sure to interrupt and explain things further if she felt it was necessary.

Nichole K S.

Mishawaka, IN, Jul 4, 2023, 1:20 PM

Jan did a great job! Communication was excellent, and she always explained anything I didn't understand. She was great to work with, very friendly, extremely knowledgeable, detail-oriented, and patient! She even came to my closing to support me and give me useful tips. I would absolutely 100% recommend her! Thank you Jan!

Brigette M G.

South Bend, IN, Aug 10, 2026, 12:14 AM

Jan was very responsive and easy to work with

Alexander T G.

Granger, IN, Aug 6, 2026, 12:29 PM

Jan was great to work with. She was well organized and kept us informed throughout the entire process. I would highly recommend her.

Maria C K.

South Bend, IN, Jul 21, 2026, 3:03 PM

Jan went above and beyond for us! She truly is amazing at what she does. She was knowledgeable and available anytime needed her. Thank you Jan!

Anthony Lee F.

South Bend, IN, Jun 15, 2026, 3:17 PM

Jan was a pleasure to work with. She was prompt and timely in her communication and she quickly made me aware of things I overlooked or needed to finish on my end. She is professional while being down to earth and easy to talk to.

Magnus E G.

South Bend, IN, Jun 10, 2026, 2:07 PM

Jan was wonderful to work with throughout the entire process. She was incredibly patient and took the time to answer even our simplest questions, which made us feel completely supported. We appreciate her expertise and guidance.

Timothy J B.

MISHAWAKA, IN, May 15, 2024, 1:08 PM

This was a great experience. Jan was incredibly helpful and responsive. She took the time to explain everything to us and made sure we understood everything. We felt comfortable and knew that if we had questions Jan would answer them immediately.

Alexis M G.

Granger, IN, Feb 19, 2024, 7:22 PM

Jan was always checking in and made me comfortable enough to ask questions when I was confused. During closing she made sure to interrupt and explain things further if she felt it was necessary.

Nichole K S.

Mishawaka, IN, Jul 4, 2023, 1:20 PM

Jan did a great job! Communication was excellent, and she always explained anything I didn't understand. She was great to work with, very friendly, extremely knowledgeable, detail-oriented, and patient! She even came to my closing to support me and give me useful tips. I would absolutely 100% recommend her! Thank you Jan!

Brigette M G.

South Bend, IN, Aug 10, 2026, 12:14 AM

Jan was very responsive and easy to work with

Alexander T G.

Granger, IN, Aug 6, 2026, 12:29 PM

Jan was great to work with. She was well organized and kept us informed throughout the entire process. I would highly recommend her.

Maria C K.

South Bend, IN, Jul 21, 2026, 3:03 PM

Jan went above and beyond for us! She truly is amazing at what she does. She was knowledgeable and available anytime needed her. Thank you Jan!

Anthony Lee F.

South Bend, IN, Jun 15, 2026, 3:17 PM

Jan was a pleasure to work with. She was prompt and timely in her communication and she quickly made me aware of things I overlooked or needed to finish on my end. She is professional while being down to earth and easy to talk to.

Magnus E G.

South Bend, IN, Jun 10, 2026, 2:07 PM

Jan was wonderful to work with throughout the entire process. She was incredibly patient and took the time to answer even our simplest questions, which made us feel completely supported. We appreciate her expertise and guidance.

Kathryn A Y.

South Bend, IN, Jun 7, 2026, 7:18 PM

was super easy to work with. As nomebuyers, we felt we were prepared and informed every step of the way. We would highly recommend her to others.

Chris A. J.

Mishawaka, IN, May 18, 2026, 12:18 PM

Jan is very knowlegeable and extraordinarily friendly. She's just a real pleasure to work with. Jan made this entire process very smooth and easy for me. Thank you.

Elissa W.

GRANGER, IN, Apr 14, 2026, 11:22 AM

Jan is absolutely amazing! She was so attentive throughout the entire process and made everything feel completely seamless

Thomas M H.

South Bend, IN, Apr 5, 2026, 5:01 PM

Jan was excellent to work with all the way through the process. She was professional, knowledgable, and communicative from day 1. We had worked with her for at least a couple years, back to when we first got pre-approved and started making offers. Would highly recommend Ruoff, and Jan specifically. We hope to work together again in the future! Thanks, Tom & Caitlin H, April 2026

Jerry C.

Mishawaka, IN, Apr 1, 2026, 3:06 PM

Expert recommendations!

Erika R M.

South Bend, IN, Mar 27, 2026, 5:09 PM

Jan was wonderful to work with! The whole process was a slam dunk! Very satisfied working with Jan and the Ruoff team. Will definitely use them again!

Camden K.

South Bend, IN, Jan 30, 2026, 10:03 PM

Overall experience was excellent

Victor A L.

South Bend, IN, Jan 28, 2026, 5:09 PM

Jan is very professional and great at her job!

Kathryn A Y.

South Bend, IN, Jun 7, 2026, 7:18 PM

was super easy to work with. As nomebuyers, we felt we were prepared and informed every step of the way. We would highly recommend her to others.

Chris A. J.

Mishawaka, IN, May 18, 2026, 12:18 PM

Jan is very knowlegeable and extraordinarily friendly. She's just a real pleasure to work with. Jan made this entire process very smooth and easy for me. Thank you.

Elissa W.

GRANGER, IN, Apr 14, 2026, 11:22 AM

Jan is absolutely amazing! She was so attentive throughout the entire process and made everything feel completely seamless

Thomas M H.

South Bend, IN, Apr 5, 2026, 5:01 PM

Jan was excellent to work with all the way through the process. She was professional, knowledgable, and communicative from day 1. We had worked with her for at least a couple years, back to when we first got pre-approved and started making offers. Would highly recommend Ruoff, and Jan specifically. We hope to work together again in the future! Thanks, Tom & Caitlin H, April 2026

Jerry C.

Mishawaka, IN, Apr 1, 2026, 3:06 PM

Expert recommendations!

Erika R M.

South Bend, IN, Mar 27, 2026, 5:09 PM

Jan was wonderful to work with! The whole process was a slam dunk! Very satisfied working with Jan and the Ruoff team. Will definitely use them again!

Camden K.

South Bend, IN, Jan 30, 2026, 10:03 PM

Overall experience was excellent

Victor A L.

South Bend, IN, Jan 28, 2026, 5:09 PM

Jan is very professional and great at her job!

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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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Jan Edwards

A Bit About Me

Jan Edwards is a Senior Mortgage Loan Officer with Ruoff Mortgage, serving South Bend, Mishawaka, Granger, Elkhart, and communities throughout Indiana and Michigan. With more than 20 years of mortgage industry experience in loan processing, funding, servicing, and origination, she provides expert guidance for first-time homebuyers, VA loans, conventional loans, FHA loans, refinancing, new construction, investment properties, and second homes. Jan is known for exceptional customer service and helping clients make confident financing decisions. She serves on the Executive Board of the Youth Service Bureau of St. Joseph County and is an active member of South Bend Area REALTORS® and Women's Council of Realtors.

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 Indiana, Michigan

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

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

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

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******††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.