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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 Josh Cranfill
Picture of Josh Cranfill

Hi, I'm Josh!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Hi, I'm Josh!

Senior Loan Officer

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

99.00% 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…

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

  • Josh and Alex were both amazing to work with! They helped a stressful process not be so stressful. I was always in the loop and up to date with the status of everything! If I ever had questions or concerns they both got back with me quickly and explained things if I was unsure. I’d recommend them to anyone. They’re both great!

    Zoe S, happy client
  • Everything was so smooth! Josh was amazing to work with!

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

    Jessica P, happy client
  • Josh always stayed in touch with me and kept me updated on the loan process.

    Suzanne Q, happy client
  • The communication was phenomenal. It was also nice that Josh was able to tell that I had done my homework and research, and helped me understand things better.

    Ethan N, happy client
  • Josh and everyone went above and beyond to make sure everything went smooth. We closed on a USDA loan in 14 days start to finish.

    Wayne D, happy client
  • Josh was so easy to talk to and answered all of our questions in a timely manner. He went out of his way for us and was great to work with.

    Carl L, 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
  • Awesome experience. We have used Ruoff since our very first home in 1993. We will use them again when we purchase a ranch home in 2-5 years. Our loan officer, Josh Cranfill was amazing!

    Daniel B, happy client
  • I applied with another company at the same time I applied with Ruoff. The other company only talked to me once then it was intermittent e-mails and then nothing.. Josh was the most amazing person I could have asked for. He would crunch numbers after every house I liked no matter what time of day it was.

    Steven S, happy client
  • Josh was great. I’m new to the home purchasing world and Josh did a great job explaining everything to me so that I understood where my money was going. Everything he told me was correct and he was all around very informative and helping.

    Ryan P, happy client
  • 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
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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 260.409.0808 or message me below!

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