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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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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

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

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Joe Harvey
Picture of Joe Harvey

Hi, I'm Joe!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Hi, I'm Joe!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

I bring over 20 years of mortgage lending experience and expertise. Service is the foundation of my business and I believe in providing the best home-buying experience possible. I will continuously strive to exceed your expectations. Good communication is the key to excellent customer service and a top priority for me. My goal is to provide mortgage options to you. Help educate you about the home buying process, and allow you to make the decision on the program which best suits you and your family.

My team is committed to closing mortgages quickly and meeting your contractual close date. We offer Great Conventional, Jumbo, FHA , VA, and Construction loans. Being a former Marine - Veteran loans are very important to me. I know the VA process very well.

Hire the best when you are ready to buy!

Get Started

President's Club Member

President's club seal 2015
President's club seal 2016
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

  • The seller ended up being extremely difficult to work with, but Joe communicated with me, some times several times a day to keep me up to date on what was happening. This helped bring my stress level down. Joe was always very professional and always answered my many questions in a way that I could understand. I was purchasing a home in a state I don't currently live in and they have laws I wasn't familiar with, Joe was very trustworthy, I am not sure I would have gone through with the deal if he had not been working with me on it.

    Lisa B, happy client
  • Joe Harvey and the team at Ruoff we’re on top of the process all the way. Each step was completed in a timely manner and the communication was prompt and thorough. We couldn’t have asked for a better experience.

    Charles E, happy client
  • Joe Harvey was absolutely the best, always made us feel important and no stress.

    Jeffrey C, happy client
  • It was an unusually difficult process because I was snowbirding in Florida and did not have access to my records, my computer, or my printer. But, Joe Harvey patiently helped me through it.

    Daniel R, happy client
  • Joe and Nicole were very helpful and helped clear up any questions I had during the process. Amazing team!!

    Garrett G, 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.

Stay connected.

I would love to hear from you!

Call me at 317.502.1510 or message me below!

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