Everything went smooth. No delays and closed on time. As a Realtor, I might be even more critical of service and how things get done and done on time. Joe Harvey exceeded every level of service. I gladly refer all my clients to Joe because I know when he issues a pre-approval letter, it's good to go, no problems and we will close on time if not sooner. I also know that I don't have to chase Joe for status updates because 1) I know he will get the job done and I just don't worry about it. 2) We get the updates email reports.

The entire process was smooth and seamless, from start to finish. Joe is an awesome loan officer. He is knowledgeable, gets the loan done in a timely manner, and is a great guy to work with.

The timeliness and organization of the process was amazing. Joe's help along the way made our first home-buying experience that much better!

Everything. Not only was the communication informative but it was often. Joe was able to get my mortgage completed very quickly so I could purchase my new house. Professional, quick and very easy on the customer.

Joe is incredible! We had a pre-consultation meeting with him and he was very welcoming and knowledgeable. That meeting led to us selecting Ruoff. He treated us like family and really advised us on the best options to consider in order to be successful homeowners.