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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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Your next step is to complete a full application.

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reaching out!
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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.

97.00% Customer Satisfaction Rating

Hi, I'm Jennifer!

VP Branch Manager

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

97.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

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.
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

  • As a first time home buyer, the number of questions I had about buying my house were endless. My first meeting with Jennifer opened my eyes to options that ended up saving me thousands of dollars by the time the purchase was made. Jennifer and her assistant Amanda held my hand through the entire process. I made offers on 3 houses before finally moving forward with the property that I ended up buying. Jennifer and her team were always available during each offer to answer questions about closing dates and quickly calculated closing costs. The communication was above and beyond, often on weekends and evenings. Big thanks to Jennifer and her team for their help, I ended up with the perfect house at a great rate, even with a minimal down payment.

    Lara B, happy client
  • My wife and I have used Jennifer for over 10 years. She has always taken great care of us and our real estate clients. We highly recommend her for home purchases and refinances.

    Derek & Jessica T, happy agent
  • My husband and I are both self-employed which always presents a challenge when it comes to financing. Jennifer has been our broker on four home purchases. Some of the deals were more challenging than others. At one point we were even the victim of identity theft when someone filed fake tax returns with the IRS. With all the headaches and issues that we have faced being business owners, Jennifer has always been able to get our loans done.

    Wendy O, 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 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
  • My financing with another mortgage lender fell through in the 11th hour. The house I wanted was under contract and I need to start the hole financing process over again. Jennifer jumped in and ran with the ball getting me to closing in less than a month. Her whole team is amazing and I would recommend her to anyone.

    Kim K, happy client
  • Contacted Jennifer from a recommendation. She promptly responded whenever I called. We discussed all aspects of homeownership, she kept me in the loop with rate changes and made sure I knew all paperwork required well in advance. Her support team is fantastic and always let me know what they needed to close the loan. Excellent service! You will be well taken care of.

    Steve B, happy client
  • Jennifer has been and is outstanding in her work on our behalf applying for and securing excellent financing for us. She has secured two previous below expected rate mortgages. We are very pleased with her professionalism and her demeanor with us, particularly with me as a tough customer.

    Steven & Eileen O, happy client
  • Jennifer was fantastic to work with. As a FTHB, Jennifer took away so much stress and walked me through the entire process. Everyone on her team was patient with all the questions that I had during the process. I would definitely work with her again! Highly recommend her expertise!!

    Christina M, happy client
  • I am very happy with Jennifer Sheil and her team! I work for a real estate team and have done business with them for multiple contracts we processed, they are always on time and so organized throughout the whole transaction. I even used them on my personal property and would definitely do it again!

    Amber W, happy agent
  • With this being our first time buying a house, my husband and I were initially very overwhelmed. Jennifer and her team helped ease our minds and worry throughout the whole process. Jennifer was incredibly knowledgeable about every detail that came up, and truly went above and beyond her job title. I would recommend her services to anyone, whether this is your first home purchase or tenth.

    Corina A, 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

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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