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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

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reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
Please complete all fields.
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Picture of Jennifer Goins
Picture of Jennifer Goins

Hi, I'm Jennifer!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Hi, I'm Jennifer!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

Keeping your best interest in mind! With all of the different mortgage loan options that are available it is my job to help you find the best program to fit your needs! With over 15 years of lending experience I am dedicated to working with you and your specific situation to find the perfect mortgage!

In working with my team at Ruoff Mortgage customer service is #1! I believe in keeping you and your realtor updated every step of the way! Ruoff Mortgage has been in business since 1984. We are a local lender that makes local decisions! I specialize in Purchase and Refinance Mortgage Loans. We offer programs such as Conventional, FHA, USDA (rural housing), VA, Indiana Housing, New Construction, and JUMBO loans.

I can offer you a No Obligation Mortgage Quote and/or Mortgage Analysis. Call me and/or apply online today for your free and easy Pre-Approval! I look forward to working with you!

Get Started

President's Club Member

President's club seal 2020

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


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

  • Jennifer Goins & her staff were always available, explained everything in detail. I never felt confused, surprised, nor blindsided by anything - as in my previous home buying experiences. It was the calmest, most enjoyable home buying experience!

    Marika W, happy client
  • Jennifer and Brooke were just amazing. Never any question, email, or phone call left unanswered. Jennifer driving to Richmond with a very thoughtful gift was just above and beyond.

    Rebecca F, happy client
  • Brooke and Jennifer were amazing, they helped me every step of the way and they went above and beyond to help me and my family we are so happy and it was a blessing to work with both of these fine people.

    Jama R, happy client
  • The timing was key for me since I was living in a temporary apartment and Jennifer was just on time. No delays at all, and I was able to close in less than a month.

    Filipe C, happy client
  • I really loved Jennifer and the way she explained things to me along the way. She was always a happy and friendly person with lots of knowledge. She was also great to have at closing.

    Mikayla S, happy client
  • I more than appreciated the care and concern that went into my mortgage procedure. I greatly appreciated all the help I got.

    Clyde C, happy client
  • It was a completely smooth transaction all the way around. I received excellent customer service.

    Staci C, happy client
  • Jennifer went beyond our expectations-from beginning to attending our closing!! Very helpful and pleasant!!

    Penny T, happy client
  • Communication was excellent, plus, Jennifer and Brooke were always available whenever I needed them, not just when they needed something from me. Jennifer was even available to help us on New Year's Eve!

    Jerry P, happy client
  • Jennifer responded very quickly to any questions we had. Also, Ruoff offered the best interest rate after researching 3other options with no fee upfront. Jennifer also gave us a credit so that we were able to get a refund check back.

    Adrienne M, happy client
  • Jennifer was amazing and fast at responding to all my crazy questions, concerns, and crazy accommodations. She had an answer for everything. In a time of divorce, covid shutdown, and turmoil she put my mind at ease.

    Jayme B, happy client
  • Jennifer Goins is absolutely outstanding with her knowledge, customer service skills, and patience!

    Douglas S, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

Stay connected.

I would love to hear from you!

Call me at 317.523.7695 or message me below!

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