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!

In the 11th hour was able to change our down payment requirements and still close as expected. Joe was also able to help out the buyers of our home who had financing fall through the last minute. We could not be happier with the service we received.

Communication was excellent. Joe and Nicole both were quick with responses when I had questions.

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.

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!

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 Harvey was amazing. He stuck with us through multiple homes with payment quotes and was always available day or night.

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.

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.