Jeff Santo

Hi, I'm Jeff, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership

Contact me anytime: 815.600.4606 or email

Hello.

As a representative for Ruoff Home Mortgage, I can assist you with all of of your home mortgage needs. Ruoff Home Mortgage offers a comprehensive selection of loan products to fit your needs. I will help you navigate through the mortgage loan process so that you can easily close on your home loan.

My experience...

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.



I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

Conventional to $453,100

Fannie or Freddie? Not all Conventional Mortgage Lenders are the same, and Ruoff offers both!

Conventional to $453,100

Client Testimonials

Lauren R.
As a first time home buyer, I can honestly say we had the best experience buying our first house all thanks to Jeff. He was so attentive to answering questions so that we fully understood everything that we were doing. He went above and beyond to make sure we had the best experience. I don’t want to think about how our home buying experience would’ve been like without him. From start to finish, he was the best lender we could’ve had. He made us happier than we could’ve ever imagined buying a house. Words cannot describe how forever grateful we are to have you have him as our lender. We will be sure to give Jeff’s information to anyone I know in the future that is buying a house! Thanks SO much, Jeff!!!

Fast Approval

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