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.

Joe Harvey and his team walked us through the process every step of the way! We are extremely pleased with the service and how quick we were able to do our refinance on our home.

Joe Harvey was amazing! From the moment I put my application in to the time I received my funds, I never had to wonder what status the loan was in - Joe was way ahead of me either by email or the Loan Butler platform. Nikki and Joe were always available for questions and handled everything immediately! They are a great team!

We worked with Joe several years ago on the purchase of our first home and had a great experience. We were initially intending to move to a different state and thought it might be impractical to work with Joe again so we didn't initially. But the other lender proved to be terrible responding to us, so we ditched them and eagerly went back to Joe and had another incredible experience. Joe was always available and helpful and the closing went as expected, with no hiccups.

Joe is always a pleasure to work with. I trust him to always have quick answers to our questions and he’s up to date on mortgage rates. His responsiveness is top-notch and we always recommend him to people we know who are looking for a mortgage.

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.

Joe was on top of everything. We even called on weekends and he never failed to answer all our questions. Best experience I've had with mortgage companies.

“Wow” is the best way to describe our entire experience with Ruoff. The entire process was smooth, ahead of schedule, and very well communicated. Minor bumps in the road were immediately handled.

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

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!

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.