Joanna Sharp

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

Contact me anytime: 317.413.1638 or

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


Whether you’re a first time homebuyer (or someone that is moving up or downsizing), I pride myself in getting to know each of my clients, so I can help you find your dream home and the loan programs that best meet your needs.

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.

My experience...

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 Home 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.

I am ready to use my experience and knowledge to assist you with purchasing or refinancing loans with the following mortgage programs:

*Indiana Housing
*Renovation Loans
*HUD REO properties
*Investment properties
*Jumbo Loans
*Doctor Loans


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

Realtor Testimonials