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 Joe Harvey
Picture of Joe Harvey

Hi, I'm Joe!

Senior Loan Officer

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

99.06% Customer Satisfaction Rating

Hi, I'm Joe!

Senior Loan Officer

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

99.06% 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!

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

  • 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.

    Bob C, happy client
  • 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.

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

    Christine R, happy client
  • Joe was extremely helpful in getting our mortgage set up quickly for a fast close when we decided to apply at Ruoff at the last minute after having an issue with a different loan servicer.

    Pat H, happy client
  • Joe was great; he always picked up his cell phone and was very patient with all of my questions. He is very professional, and I appreciated that.

    Drew A, happy client
  • This is the 3rd mortgage with Ruoff. With each mortgage the process has gone smoothly and this time was no different. We refuse to do business with any mortgage company!

    Grace L, happy client
  • 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.

    Andrew W, happy client
  • Joe Harvey was amazing. He stuck with us through multiple homes with payment quotes and was always available day or night.

    Michael L, happy client
  • 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.

    Kris W, happy client
  • I have worked with Joe and Nikki several times now and love the fact that they walk me through the process with speed and accuracy!

    Julie L, 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) 502-1510 or message me below!

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