Joel Scheer

Hi. I’m Joel, a VP, Branch Manager who works hard to make sure your pre-approval turns into home ownership.

Available after hours & weekends: call 260.402.9832 or

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


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.

I first started with Ruoff Home 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. We currently have 16 licensed loan officers working out of our southwest office, three loan officer assistants, a marketing assistant and an administrative assistant. We warmly welcome the opportunity to serve you with quick and accurate mortgage advice!

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 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?

Ruoff Home Mortgage has been providing home loans to the good people of Indiana since 1984. The Ruoff Home 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 look forward to serving you very soon!

My experience...

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Client Testimonials