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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!
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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Joel Scheer
Picture of Joel Scheer

Hi, I'm Joel!

VP | Branch Manager

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

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Joel!

VP | Branch Manager

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

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

As a lending professional with nearly 20 years of mortgage experience, I can meet a wide range of real estate lending needs, whether it is your first time purchase or the refinance of your current home loan.

The very first rule, in my opinion, is to always be mindful that I too am a consumer. Therefore, I pride myself on making sure you fully understand the features associated with the loan program that best fits your needs and that it does, in fact, meet your unique financial situation. My goal is to provide you with the best home loan options, as well as, doing my very best to ensure your loan is closed smoothly and on time. I encourage your referrals and pledge to extend the same professional service to your friends, family members, work colleagues or neighbors who may be in need of my assistance.

I first started with Ruoff Mortgage in August of 2001 as a mortgage loan originator. In September 2009, I was appointed the Branch Manager position when Ruoff established our southwest Fort Wayne location. Ruoff Mortgage has been providing home loans to the good people of Indiana since 1984. The Ruoff Mortgage team has much to offer clients who are looking for low costs, competitive rates, a wide variety of loan programs, sound advice, and that hometown bank feeling!

I enjoy spending quality time and vacationing with my beautiful wife of over 20 years and my two awesome adult children. Traveling to a variety of different locations on spring break and the long weekends spent annually in the Big Apple are the family favorites. I also enjoy hanging out at the pool house in the summer, playing golf, and watching Colts games on Sunday's (and yes, my pool has a 10 ft. x 10 ft. Colts horseshoe on the bottom). Hey , you only live once right?

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President's Club Member

President's club seal 2018
President's club seal 2019
President's club seal 2020
President's club seal 2021
President's club seal 2022

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*

  • Joel was very thorough in explaining things throughout the whole process, even when needing to explain the same things a few different times before it made sense to us; since this was our first time ever purchasing a house. Joel was very personable and professional in assisting us with his many years of experience and expertise. He kept the process moving along as quickly and as smoothly as we could on our part and he remained transparent with us through it all.

    Jonathan R, happy client
  • Joel took time to explain every aspect of the loan process and when we had difficulty, he helped me work through a solution. I really liked his way of making it easy and understandable.

    Roger H, happy client
  • Joel made each step easy! My stress level went down the more I worked with his staff!

    Joy H, happy client
  • Everything went well. Joel was always on top of things and was ready to answer any questions I had as soon as I had them. He would check in periodically to let me know things were moving along smoothly, which was very helpful. He was very honest and upfront about what challenges may lie ahead, which we found refreshing. We like to be prepared for everything, and we definitely felt like we were with Joel.

    Angie H, happy client
  • Joel was a fantastic loan officer who took a great deal of time and care to explain the process and make sure there were no surprises or discrepancies. I would recommend him to other potential homebuyers without hesitation.

    Colin H, happy client
  • The communication was excellent. The willingness to work with crazy schedules was superb. The ability to explain various aspects of the process in concise and understandable terms was fantastic. The speed of processing impressive. The friendliness of the loan officer(s) was top-notch. In short, we could not have asked for a more pleasant and professional experience.

    Jacob S, happy client
  • Joel was very thorough with timely follow up and detailed explanations. In addition, Joel went above and beyond with discovering a few issues and contacted us immediately to resolve and stay on time. He was very friendly and had everything under control!

    Christopher S, happy client
  • I never had second thoughts about my mortgage situation. Everything was very organized, communication was on point, and I was treated even better than I expected. I was beyond satisfied with my decision to leave the first mortgage company I talked to and seal the deal with Ruoff Mortgage.

    Riley S, happy client
  • Great communication by Joel and his team. Very quick to respond to calls or emails plus he did an excellent job of setting proper expectations throughout the whole process.

    Dusty R, happy client
  • Joel was an awesome guy, he explained everything very well and made the process go very smoothly especially with being a first time home buyer.

    Seth D, happy client
  • Keeping me informed of what was going on near closing time. Explaining everything to me in terms that I could understand was a big help in keeping me calm during the end when things didn’t go as planned due to the seller's end.

    Aimee T, 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.

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I would love to hear from you!

Call me at 260.402.9832 or message me below!

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