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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
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Picture of Jennifer Schmitt
Picture of Jennifer Schmitt

Hi, I'm Jennifer!

Senior Loan Officer

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

98.60% Customer Satisfaction Rating

Hi, I'm Jennifer!

Senior Loan Officer

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

98.60% Customer Satisfaction Rating

Let me help you get pre-approved today!

I am committed to giving homeowners a great mortgage experience, and guiding them from the pre-approval process to the closing table as quickly and smoothly as possible. My reputation is attributed to 14+ years of experience in the financial industry, which gives me more “tools” for my “tool belt” when it comes to helping you find the best path to owning your new home. People trusting me to be a part of such an important milestone is a responsibility that I do not take lightly, and I’d be honored to help make your dream home a reality!

Get Started

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 was wonderful to work with! From our first phone call to a year later closing on our house. As first time home buyers, we had so many questions and Jennifer answered every one and explained everything. I truly believe she has our best interest in mind and that she wasn’t just trying to sell something. She was a true answer to prayer and was the best person to help us through the season. 10/10 would recommend her to everyone!

    Catie R, happy client
  • Jennifer was always two steps ahead and kept me informed throughout the entire process. She even worked with me while she was on vacation with her family. She certainly went above and beyond!

    Mark B, happy client
  • Jennifer was super prepared and really easy to work with. This was by far the absolute best experience I've had with purchasing a home. The level of detail and energy that Jennifer put in was exceptional.

    Scott H, happy client
  • Jen was on top of everything and explained everything in detail. I never had to ask her to explain anything because she was very thorough the first time. What I love most about Jen is her honesty. It wasn't about a sale, but about finding a home for my family!

    Kim S, happy client
  • Jennifer was so great! She answered all of our questions and was available to us at any time if any questions or concerns popped up. She explained things and really guided us through the process perfectly, making it so painless and easy. We couldn’t have been happier to work with Jennifer and hope to do so again in the future!

    Kate A, happy client
  • Jennifer was perfect. I could write pages of details about how great she was. She took time to answer questions thoroughly and as first time home buyers, we really appreciated that. I enjoyed working with her so much that I’m actually kind of sad we closed already! She’s a great asset to your company.

    Brittany Y, happy client
  • She was truly understanding and very patient with me since I am deaf and she worked so hard to make sure I had an interpreter and have my questions always answered! She made sure to take care of everything I needed in a timely manner! Thanks to her, I finally got a house I can own and raise my children in for a long time!

    Tiandra T, happy client
  • We really enjoyed working with Jennifer. She thoroughly answered all our questions and prepared us for every step of the way on the path to closing. This is our first home and I could not imagine it going any better. Thank you!

    Maggie B, happy client
  • The entire process was great. Jennifer is very organized, responded immediately to my questions and was always following up to make sure the loan process was on track. You are lucky to have Jennifer and I think she did an amazing job. She is amazing at what she does and I have not come across someone as responsive as she is.

    Mike N, happy client
  • Jennifer was amazing at calming my worries and making sure I understood everything and how it would work, getting conditions met through her processors and saving me the extra hoops to jump though!

    Jessica V, happy client
  • Jennifer is the absolute best there is! Instant responses to my questions with answers that made sense. I have and will continue to recommend her to anyone needing this service!!

    Todd S, happy client
  • Jennifer was the best loan officer. She always was there to answer any questions. I have already recommended her to 3 friends. She makes the process way less stressful than others. She is what made Ruoff great for us.

    Joseph F, happy client

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 (574) 361-7036 or message me below!

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