Josh Cranfill

Hi, I'm Josh, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership

Contact me anytime: 260.409.0808 or josh.cranfill@ruoff.com

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

Hello.

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…

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"

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

Home Ready

The HomeReady Mortgage backed by Fannie Mae is built to help our low to moderate income borrowers reach the dream of homeownership.

Home Ready