Picture of

What is your goal?

Purchase

When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year
Unsure

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?

Yes
No

Let's connect!

Please complete all fields.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

Would you like to continue to complete your full application?

No, thanks.
Continue

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan
Unsure

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Picture of Josh Cranfill
Picture of Josh Cranfill

Hi, I'm Josh!

Senior Loan Officer

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

99.68% Customer Satisfaction Rating

Hi, I'm Josh!

Senior Loan Officer

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

99.68% Customer Satisfaction Rating

Let me help you get pre-approved today!

My personal philosophy is to do what is right for my clients and real estate partners. I am proud to be a trusted advisor in the mortgage industry and proud to work for a company that puts customers first. We are here to act in your best interests, to listen to your financial goals, and to match you with the loan program that will best fit those goals.

My top-notch team will support you from start to finish. I wish I could read minds, but until that superpower develops, I work to have great communication with my borrowers. Home buyers can never have too many questions, and the best questions are often the ones that I can’t answer right away. I’m fortunate to be part of a dynamic industry that keeps me learning every day!

I love spending time with my family, bowling, golfing, and playing poker. I have two adult children and one grandson. My bucket list includes a fabulous trip to Italy. Now if I could only go back and tell my 13-year-old self to buy stock in Google…

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

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

  • Josh felt more like a friend than a loan officer. He was very knowledgeable and answered any question I had. He was very committed and his response was always something positive.

    Nick E, happy client
  • Josh was very personable and comfortable to work with, and communication was great.

    Jessica P, happy client
  • Josh was on time and very professional.

    Travis E, happy client
  • The communication throughout the process was amazing, Josh answered calls, texts, and emails at all hours and even on the weekends.

    Josh S, happy client
  • Josh was great at working with us and our Realtor.

    Dustin F, happy client

Why should you choose Ruoff?

59

Branches throughout
the US.

98.8%

Customer Satisfaction Score according to Customerville.

17

Days or less average
clear-to-close.

35

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

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 (260) 409-0808 or message me below!

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