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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.

97.20% Customer Satisfaction Rating

Hi, I'm Joe!

Senior Loan Officer

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

97.20% 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

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 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
  • 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 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
  • 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
  • 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
  • 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
  • “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
  • 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 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
  • 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
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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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