Jennifer Goins

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

Available after hours & weekends: call 317.523.7695 or


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!

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

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Client Testimonials

Fast Approval

In a hurry?

Apply Online Today and Determine Your Financing with Fast Professional Service.

Apply Online