Picture of

What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?


Let's connect!

Please complete all fields.

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

Would you like to continue to complete your full application?

No, thanks.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Picture of Joanna Sharp
Picture of Joanna Sharp

Hi, I'm Joanna!

Senior Loan Officer

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

99.25% Customer Satisfaction Rating

Hi, I'm Joanna!

Senior Loan Officer

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

99.25% Customer Satisfaction Rating

Let me help you get pre-approved today!

I have been a "Hoosier" my whole life with most of that residing in Johnson County. I grew up in a family with just my mother and 2 sisters (one of which is autistic and deaf, so I know sign language). I’m now enjoying my own daughters and grandchildren! We are huge "dog lovers" so most of the time you will see four-legged friends accompanying us. My husband and I enjoy spending time with our family and friends whenever possible. I love most outdoor activities, traveling, experiencing new food and music venues, and volunteering at my church.

I understand what it feels like to struggle and to succeed, so regardless of your situation, I’ll make it my mission to do what it takes to help you reach your goals. I am driven to help others, so I’ve been a speaker at Butler University to help upcoming graduates prepare for life in the real world. My aspiration is to validate that I am hardworking, dependable and honest, and to keep open communication so you’re comfortable asking questions.

In today's housing market, it is difficult for customers and realtors to find a company that provides knowledge, provides good customer service and one that truly cares about the people involved. We at Ruoff Mortgage do these things with vision, values and passion to help our clients.

I started my career as a loan officer in 2003 at a local bank in Greenwood. I have experience in many different types of loans including those for investment properties, renovation loans and self-employed borrowers. I truly enjoy helping those first time buyers secure the home that’s just right for them! My personal philosophy is to treat people the way I want to be treated; you’re not a number to me. Your goals are my goals and we’ll work as a team to reach them.

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

  • Most of our communication happened through email due to the fact that my husband and I work opposite shifts and it's difficult to meet during the week. But Joanna was always very quick with her email responses and made the entire process go so smoothly. When we were uncomfortable signing some of the paperwork over email without having it explained, Joanna was quick to meet with us on a Saturday to go over everything with us in person, which helped tremendously. She came to our closing just this past Friday and answered any other questions that we had. Joanna was great through the entire process. We will both be glad to recommend Ruoff to our friends and family!

    Sara R, happy client
  • Joanna helped make sure I could afford my closing costs, and overall just make a typically stressful experience really enjoyable. It was a pleasure to work with her! On top of that my interest rate dropped before closing! I will definitely be recommending Ruoff to anyone I know who needs a home loan.

    Christopher K, happy client
  • We live in California so there was a 3-hour difference. Joanna was there for us even when contacted well into the late hours with a question. She always followed up with us and went the extra mile.

    John N, happy client
  • Joanna Sharp is excellent, I have worked with her several times and will always work with her and Jennie, they are the best!

    Grace Kelly I, happy client
  • Joanna and her team were very helpful will recommend her and the team.

    Walter K, happy client
  • Joanna made everything that was so complex seem not so complex. She was always rooting for me along the way!

    Carly D, happy client
  • Communication was phenomenal. Joanna & Jennie we’re very quick to answer every question we had and put our minds at ease through the whole process.

    Luci S, happy client
  • This was my first time buying a home, but Joanna's team made everything as painless as possible. I will gladly recommend her team to any friends or family looking to purchase a new home.

    James R, happy client
  • Joanna was really knowledgeable and did an excellent job! She made the process easy, transparent, and understandable!

    Stephanie F, happy client
  • Every question we had along the way, big or small, day or night, was answered right away with clarity. Joanna never left us hanging.

    Stefan F, happy client
  • Electronic forms were very helpful. I don't think there was a time when I needed to take off of work to complete paperwork. All of it was within reach, I could just complete on my cell.

    Barbara J, happy client
  • We love working with Joanna and Jennie! They were helpful with everything and went above and beyond in getting us everything we needed!

    Andrhea 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.

Stay connected.

I would love to hear from you!

Call me at (317) 413-1638 or message me below!

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