Picture of

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%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

Please complete all fields.

Your next step is to complete a full application.

Thank you for
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
Please complete all fields.
High Contrast:
Get Started
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.

98.80% Customer Satisfaction Rating

Hi, I'm Joe!

Senior Loan Officer

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

98.80% 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

  • 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.

    Sean C, happy client
  • 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.

    Monica I, happy client
  • 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!

    Catarina S, happy client
  • All went very smoothly. Very happy with their service.

    Christine C, happy client
  • 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.

    David M, happy client
  • Kept lines of communication open. Extremely transparent with updates, status, and changes.

    Julie B, happy client
  • Ruoff got my husband and I pre-qualified for a loan in less than a day so that we were able to submit an offer on our dream home on that very day.

    Debra W, 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
  • The speed & efficiency of expediting our paperwork along with that of Niki, always available to answer any questions that my wife and I had, epitomizes the meaning of the term "Teamwork". They should definitely be recommended for a pay raise, for their exemplary work.

    Walter C, happy client
  • 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.

    Sherri C, happy client
  • “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.

    Robert I, happy client
  • The people in your organization were great, excellent communication and customer skills as well as efficiency were exhibited by all I dealt directly with.

    Joseph G, happy client
See More

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!

Download our !