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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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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Jennifer Sheil
Picture of Jennifer Sheil

Hi, I'm Jennifer!

VP Branch Manager

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

97.20% Customer Satisfaction Rating

Hi, I'm Jennifer!

VP Branch Manager

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

97.20% Customer Satisfaction Rating

Let me help you get pre-approved today!

Call/text 513.796.6024 or click the Get Started button at the top of this page to apply. The Sheil Lending Team is excited to work with you!  Our team at Ruoff has been helping homeowners since 2001 to realize the American Dream of Homeownership. You can trust us to personally take care of your mortgage financing needs. We are humbled to be part of your journey and take the honor very seriously. Our motto is "treat others how you want to be treated" and strive to give the best experience possible. Ruoff is a recognized lender with a reputation for providing great results. All of this, coupled with the strength of our knowledgeable team, we can scale well from helping the first-time homeowner to seasoned homeowner. With our "can do" attitude, we are ready to serve you and your family today. 

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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 actually contacted me on a Saturday based on my realtor contacting her. She informed me of what she does. Asked questions about what I was looking for and where I was in the process and over the next couple of days, stayed in contact with me and helped me understand the process as I pivoted from looking for a house to a condo. Jennifer was very honest with her concerns regarding my pre-approval from another lender. She explained the information she considered and the impact on a new pre-approval consideration. She helped me strategize as to how to move forward which ultimately led to my successful purchase of my condo.

    Teresa S, happy client
  • As always, Jennifer went above and beyond to make sure I could reach my home-buying goals. After looking through several options, she found the best option for my situation and worked overtime to make sure everything came together quickly and seamlessly. She is so attentive, efficient, and extremely hard-working. I will never be able to thank her enough for all of her help and dedication! This is my fourth time working with Jennifer, and I will never go to anyone else!

    Chelsea Versele, happy client
  • Jennifer and everyone from her office was very easy to reach and I always felt like I was in the loop and up to date with the progress of everything. She was straightforward in her approach, which I appreciated very much. Some Loan Officers have a tendency to sugar-coat things too much, however since my husband and I were rebuilding our credit we had to overcome more challenges. She was always cautiously optimistic, never wanting to give false hope, but always encouraging and hopeful. My husband and I are thankful for all her help and professionalism. Thank you, Jennifer!

    Sandy A, happy client
  • Jennifer Sheil and Terri Richardson were unbelievable to work with. We had to expedite our closing and they didn't flinch. We were in constant communication and provided us with accurate information from the start. Jennifer stayed in touch with us for the 5 years in between purchases which is part of why we used her again and will recommend her to friends and family.

    Amanda F, happy client
  • I have worked with Jennifer for several years. Over the years, she has consistently demonstrated an exceptionally high level of technical competence in the area of mortgage lending. Jennifer is also a person of integrity and she consistently puts the needs of her clients first. For these reasons, she is the only mortgage loan officer that I would ever recommend to a family member, friend or associate who needs a mortgage.

    Randall W, happy client
  • Jennifer Sheil was my loan officer and her along with her team were excellent communicators. At no point during my refinancing did I feel left out or in the dark. It was extremely smooth from start to finish.

    Kris W, happy client
  • Every step of the process was painless! I wouldn't change a thing! Jennifer Henehan Sheil and her team literally saved us! Saved us from losing our dream home and saved us thousands of dollars in closing costs! When I was in real estate, I sent the majority of my clients to her and I can tell you, she's always been a straight-shooter! If the deal can be done, Jen will get it done! I have 100% trust and faith in her and her amazing team! She's never let me down, that is for certain! My family thanks you Ruoff!!

    Raejeana Broughton, happy client
  • Jennifer has been my loan officer for the purchase of two homes. She is an excellent loan officer! She has kept me up to date, responds very quickly to my questions, and performed miracles on a foreclosed house I bought that required a lot of coordination. I would highly recommend her!

    Lee Ann W, happy client
  • This was my first time purchasing a home and Jennifer made it, dare I say, perfect! We actually got to close 7 days earlier than expected! I 100% would recommend Jennifer and her team to my family and friends.

    Megan W, happy client
  • My wife and I had been working on a refinance with our current lender at the time and we were finding it difficult to get timely responses and competitive rates. Jennifer and her team were very responsive to our questions and made the process quick and painless, even through the challenges of a pandemic.

    Chris Davis, happy client
  • Jennifer Sheil is highly intelligent and passionate about her industry. She knows loans inside and out. She works around the clock to ensure she hasn’t missed a possible solution for clients that are a little trickier. I’ve always had 2-3 lenders in my pocket as a Realtor, but last year, I only needed Jennifer. She is so well rounded and saved a few deals that were close to falling apart due to inexperienced lenders (buyers already came pre-approved). She’s incredible and really loves her clients and their financial future. I recommend her to all my Realtor friends and clients. Truly top-notch.

    Flor M, happy agent
  • Jennifer and her team were amazing. They were so easy to work with and kept me informed the entire time. I could not believe how smooth and quick the process was and I owe that all to them. This is the first time I have ever bought a home and I thank all of them for making my dream come true. Thank Jennifer and your team for everything.

    Tabitha Negron, 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.

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I would love to hear from you!

Call me at 513.796.6024 or message me below!

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