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.
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:
Confirm your home financing options ahead of schedule
What to Expect
Understanding your home finance options puts you in the driver's seat when you are negotiating your home purchase. Getting a no obligation Ruoff Step Ahead pre-approval letter tells all parties involved that you are a qualified borrower. Because your Ruoff Step Ahead pre-approval letter confirms that your documentation has been reviewed by a Ruoff Home Mortgage underwriter, sellers and agents will both know the transaction will close on time! Get in touch with a Ruoff Home Loan Adviser or simply click on the link above and apply online today. It is fast and easy and you will soon know why Ruoff is a great name to know when you need a mortgage.
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.
FHA Mortgage Insurance
Take Advantage of a Government-Insured Loan That Is Always a Safe Bet in an Ever-Changing World
FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) insures the loan, so Ruoff Home Mortgage can offer you a better deal. It is because of that insurance that FHA loans can offer attractive interest rates and with less stringent and more flexible qualification requirements. FHA loans may be used to purchase or refinance a new or existing 1-4 unit family home or condominium unit.
Highlights of the FHA Loan
Down payment of just 3.5%. That money can come from a family member, employer or charitable organization as a gift. Other loan programs do not typically allow this. Low credit score requirement and flexible qualifying guidelines. No income limit on borrowers. 15 or 30-year term with competitive rates. Non-occupant co-borrowers can be used to help qualify.
FHA Eligibility Criteria
Must occupy the property as your primary residence. Maximum loan amount limits that vary by region/city. A borrower is limited to one FHA loan at a time. Must meet the minimum credit score requirement. Must have sufficient income to qualify.
The FHA 203(k) Program
Interested in purchasing a foreclosed property, but don't have the extra cash needed for necessary repairs? The FHA 203(k) loan product is the perfect solution. The FHA 203(k) is a special loan product for borrowers who need extra cash to make repairs to their homes. The chief advantage of this type of loan is that the loan amount is not based on the current appraised value of the home, but on the projected value after the repairs are completed. A "streamlined" 203(k) allows you to finance up to $35,000 in nonstructural repairs, such as painting and replacing cabinets or fixtures. The 203(k) loan can be used to repair a home you're planning to purchase or to make upgrades to your current home.
For more information on FHA mortgage insurance and other FHA loan programs:
visit the HUD web site: Let FHA Loans Help You or call the HUD Counseling and Referral Line at 1-800-217-6970.
If are looking for answers to specific questions regarding the FHA loan program, we encourage you to visit the FHA Resource Center at:
By Proudly Serving Your Country, You've Earned the Benefit of a VA Loan
VA loans provide fixed, competitive rates with 15 or 30-year terms. Qualification is easier, even if you have had some credit blemishes in your past. Unlike other loans, you can refinance up to 100% of the value of your home or purchase with no down payment, and there's never a monthly insurance (PMI) charge with VA loan.
Are you a veteran, member of the military, or a surviving spouse of a veteran? Do you want fast approval and minimal red tape? Are you Interested in a fixed-rate mortgage?
A yes answer to all three of the above questions suggests that a VA Loan might very well be the right loan for you. Contact a Ruoff Home Mortgage advisor today and discuss the advantages of this exclusive loan product.
VA Loan Highlights
Purchase with no money down. Refinance up to 100% of your primary home's value. The Seller can pay 100% of the closing costs on a purchase. VA Streamline Refinance with a reduced funding fee and flexible documentation requirements - available for veterans currently in VA loans. No monthly PMI (Private Mortgage Insurance). VA loans are governed by the U.S. Department of Veterans Affairs.
Eligibility Criteria for VA Loans
Must occupy the property as your primary residence. Must be eligible for a new mortgage with VA. Must meet minimum credit score requirement. Must have sufficient income to qualify.
For answers to more of your questions, please visit the U.S. Department of Veteran Affairs FAQ at:
A Great Way to Buy a Home in a Small Community or Rural Area
Are you ready to own a home but are not sure you will qualify due to lack of a down-payment? Rural Development may be able to help you! USDA Rural Development has partnered with Ruoff Home mortgage to help extend 100% financing opportunities to individuals and families.
Highlights of the USDA Rural Development Authority Loan
No Down payment is required. Flexible credit score and qualifying guidelines. No maximum purchase price limit. Closing costs can come from any source including gifts. Repairs and improvements can be included in the loan. 30-year term with competitive rates. No monthly mortgage insurance - you may qualify for a larger loan.
USDA Eligibility Criteria
Must occupy the property as your primary residence. Do not own another home within 50 miles. Have an adjusted household income that is within Rural Development guidelines based on the number of persons who will occupy the home. Purchase a residential property that is located in a Rural Development eligible area.
The Rural Development guaranteed loan program has assisted thousands of customers just like you. Tell your Ruoff Home Mortgage Advisor you want the USDA Rural Development Guaranteed Housing Loan. Assistance options, such as gift funds, grants, seller concessions are allowed and you do not have to be a first-time homebuyer.
One time Close, New Construction Program
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.
One-Time Close Construction Loan Program
If you are ready to start building the home of your dreams, Ruoff Home Mortgage has the perfect construction loan program, allowing you to lock your interest rate before you even break ground.
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing, utilizing a one-time approval and closing process prior to the beginning of construction.
To protect you from market shifts during the construction phase, your interest rate is locked at application. However, you will be given the opportunity to review and possibly lower your interest rate if the market has improved by the time your home is complete.
You can also take comfort in knowing that our in-house New Construction Department works closely with area builders and has a simple draw procedure to ensure that your project budget remains on track as your dream home becomes reality. We also offer the flexibility of a six-month or nine-month construction loan term with interest-only payments during the construction period.
Let Ruoff Home Mortgage help construct the perfect financing option for your new home.
Interest rate locked before ground-breaking
Float down interest rate available when house in complete
FInance options on both purchase of the land and new home construction
Down payments as low as 5%
One approval process and one set of closing costs
6- or 9-month loan term (interest-only payments during construction period)
Fixed rate permanent financing terms from 10 to 30 years.
Loan amounts up to $417k.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.
Your dream home is waiting!
Ruoff Home Mortgage works with the Indiana Housing and Community Development Authority (IHCDA) to provide you a variety of homebuyer incentives.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, MSHDA has a mortgage product to meet your needs.
Helping to Own Program offers a 3.5% down payment assistance grant.
Mortgage Credit Certificate Program provides housing assistance by issuing a federal tax credit to first time homebuyers and other qualyfing borrowers.
Next Home Program offers down payment assistance for those who are not first time homebuyers.
Next Home with Mortgage Credit Certificate Program provides down payment assistance as well as a federal tax credit to first time homebuyers.
Affordable Home Program funds FHA loans for first time homebuyers
My Home Program funds loans with conventional financing for those who are not first time homebuyers.
My Home with Mortgage Credit Certificate Program funds loans with conventional financing and provides a federal tax benefit for first time homebuyers
With over 30 years of experience, Ruoff Home Mortgage makes the process of securing a mortgage simple and straightforward – with no hidden costs and no surprises.
Let me use my experience to help you find the loan program that best meets your needs.
Based on my experience, I would recommend Ruoff to a friend or family member. Joanna had a great attitude and continued to move the process along, she was always quick to return emails and phone calls. She took the time to listen to me, and to explain things in terms that made sense.
Joanna was perfect! She kept things very calm and had no issue explaining anything in detail.
Joanna and Jennie were wonderful!
John & Charlotte N.
Things sometimes don’t go as planned, but Joanna found a way to fix it or have an alternative solution. So props for her! We live in California so there was a 3 hour time 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.
I can’t think of anything Joanna could have done better. My mortgage went as planned. I would highly tell all family and friends to use Ruoff. Joanna always explained everything so a rookie like me could understand.
Everything went very smooth and I was kept informed and up to date on the
whole mortgage process.
The process of buying a house was made so much easier and less stressful because of you guys. Thank you!
It was a wonderful and painless experience. Joanna and her staff treated us very well and did all the heavy lifting for us.
Very nice and helpful. She explains things simply and thoroughly.
Excellent attention to detail. Joanna patiently walked us through the entire process and answered all of our questions.
Very friendly, helpful and precise on everything! Joanna fully explained everything in great detail in words anyone can understand.
Joanne made the process of buying our home easy and enjoyable.
Joanna did an excellent job of recognizing our needs and fulfilling them. Great job!
The overall experience was the best! Joanna and Jennie were a delight to work with, and fast too. Absolutely will recommend to anyone. If you are looking for a pain free mortgage experience, look no further.
Very very happy, she's helped me purchase two homes and it's always tension free.
Purchasing a home in a new market can be daunting, especially with my spouse and I in two separate locations. Joanna and her team made the entire process run smoothly.
Joanna was very professional and very knowledgable in dealing with my loan. I felt very confident in her abilities and was very satisfied with the end result.
Joanna was extremely easy to work with. She was very responsive to our questions and always available to see us. She made the entire process easy.
There is no pressure when working with Joanna, her open and honest communications take all the stress away. I'd highly recommend her for any and all purchse/refinance.
My wife and I were first-time home buyers, and we were nervous. Luckily, we found Joanna. She made herself available and explained things in a way my wife and I could better understand.
Joanna answered every question in a timely manner. I always felt like I was in very capable hands.
Joanna was very easy to work with... definitely would recommend.
Joanna and Jennie are both very efficient and organized. I felt like I was in good hands with them. I would certainly recommend Ruoff and Joanna to any of my family and friends needing this kind of service.
Joanna and I have done many many deals together. She is great with my customers and keeps me in the loop when necessary. She has never missed a closing date of mine nor has ever pre-approved someone that didn't indeed qualify to buy a home. Joanna is very detailed with her pre-approvals which makes the rest of the process easier for the consumer. I would highly recommend her services.
I have referred many clients (including multiple family members) to Joanna over the past few years. She is great with helping home buyers start the process, she answers all of their questions, and keeps everyon up to date on the process. She is always willing to help with any questions I have from a realtor standpoint as well and is a trusted source of information.
Joanna Sharp and her team are true professionals. She cares about her clients and always has everyone's best interest in mind. She never steers away from any challenge and will be with you through out the entire process all the way through closing.
Joanna has been our go-to person in the mortgage industry for several years. We have entrusted our clients in her care and have never been disappointed. Her integrity is overwhelming! When your clients are not only your business but your friends, it is imperative to introduce them to the network who you feel will have their best interests at heart. Joanna is that person!
Joanna has been an excellent asset for my business. I know that I can refer clients to her and not have to worry about follow up communication. Every client I've sent to her has been thrilled with the mortgage process and how painless it is with Joanna.
Joanna has been wonderful! When I hand my clients off to Joanna, I am confident they will be well taken care of.
In a hurry?
Apply Online Today and Determine Your Financing with Fast Professional Service.