Ruoff Mortgage
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Joshua Powers

Senior Loan Officer

NMLS: 493370 | OH: MLO-OH.493370

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Joshua

98.5%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Ohio

Meet our happy homeowners***

View All Testimonials

Bethany G C.

Mount Vernon, OH, Oct 13, 2023, 3:32 PM

Josh was very easy to work with! He checked in with us while we were getting our timelines together, he kept us informed throughout the entire process once we were ready to begin, and was very quick to respond to questions and concerns. We are first time home buyers, so we honestly had no idea what we were doing, and Josh made the process as stress-free as it could be.

Tiffanie C K.

Lewis Center, OH, Feb 12, 2024, 4:19 PM

I’ve worked with Josh multiple times over the year- both for home purchases and refis. He is always quick to respond, helpful, knowledgeable & makes things seamless.

Tate A W.

Dublin, OH, Feb 26, 2024, 7:37 PM

Being a first time homebuyer Josh walked me through all the process and made it as simple and clear as possible. Great guy and would like to work with him again in the future.

Alexis Megan T.

Kingston, OH, Jun 29, 2026, 1:43 PM

the communication from the entire team and speed was excellent.

Rachel Y.

Columbus, OH, Jun 17, 2026, 1:09 AM

Josh was so sweet and knowledgeable. We did not have the biggest budget, and Josh really worked with us to make sure our house was affordable. Kept us in the loop at all times and answered all my questions quickly.

Mario R.

Ashville, OH, Mar 31, 2026, 4:05 PM

Josh was amazing to work with. He was always available to answer any questions.

Beth A M.

Sunbury, OH, Dec 4, 2025, 4:02 PM

Josh did a great job- answered all our questions, very helpful throughout the entire process.

Gary T H.

Galloway, OH, Nov 16, 2025, 11:59 PM

Josh kept us updated every step of the way. he helped us get the house we wanted so bad. The day we found it he was traveling and he still made it happen!

Bethany G C.

Mount Vernon, OH, Oct 13, 2023, 3:32 PM

Josh was very easy to work with! He checked in with us while we were getting our timelines together, he kept us informed throughout the entire process once we were ready to begin, and was very quick to respond to questions and concerns. We are first time home buyers, so we honestly had no idea what we were doing, and Josh made the process as stress-free as it could be.

Tiffanie C K.

Lewis Center, OH, Feb 12, 2024, 4:19 PM

I’ve worked with Josh multiple times over the year- both for home purchases and refis. He is always quick to respond, helpful, knowledgeable & makes things seamless.

Tate A W.

Dublin, OH, Feb 26, 2024, 7:37 PM

Being a first time homebuyer Josh walked me through all the process and made it as simple and clear as possible. Great guy and would like to work with him again in the future.

Alexis Megan T.

Kingston, OH, Jun 29, 2026, 1:43 PM

the communication from the entire team and speed was excellent.

Rachel Y.

Columbus, OH, Jun 17, 2026, 1:09 AM

Josh was so sweet and knowledgeable. We did not have the biggest budget, and Josh really worked with us to make sure our house was affordable. Kept us in the loop at all times and answered all my questions quickly.

Mario R.

Ashville, OH, Mar 31, 2026, 4:05 PM

Josh was amazing to work with. He was always available to answer any questions.

Beth A M.

Sunbury, OH, Dec 4, 2025, 4:02 PM

Josh did a great job- answered all our questions, very helpful throughout the entire process.

Gary T H.

Galloway, OH, Nov 16, 2025, 11:59 PM

Josh kept us updated every step of the way. he helped us get the house we wanted so bad. The day we found it he was traveling and he still made it happen!

Melissa P.

Gahanna, OH, Aug 28, 2025, 3:23 PM

Josh went above and beyond throughout the entire process. He answered countless questions and responded quickly to every phone call, text or email. This could be a really stressful and overwhelming process but felt seamless with Josh and his team. I couldn't have asked for a better experience!

Jeff B.

Newark, OH, Jul 11, 2025, 3:18 PM

Josh was easy to talk to and kept us updated throughout the process!

Seth L D.

UNIONTOWN, OH, Jul 5, 2025, 3:35 PM

Josh and Charlie were fantastic to work with! Very prompt and quick to respond. They made our first home buying experience seem a lot easier than we thought! Id I'd recommend them to anyone who asks!

Kara S.

Pataskala, OH, Jun 28, 2025, 3:05 PM

accessibility and timely responses

Kevin Josue V.

Columbus, OH, Jun 20, 2025, 3:09 PM

He really cared and it showed I'm glad i had him

Bridgette N W.

Zanesville, OH, Feb 15, 2025, 7:37 AM

Didnt feel like I was asking to much when I messed stuff over explained to me to understand what some stuff

Summer G G.

White Cottage, OH, Oct 25, 2024, 10:32 PM

Josh was great to work with and really really helpful!!

Britney A P.

Columbus, OH, Sep 8, 2024, 2:05 PM

We had the absolute pleasure of working with Josh during our home buying process, and we cannot recommend him enough! From start to finish, he was incredibly knowledgeable, attentive, and always one step ahead. Josh took the time to answer all of our questions, ensuring we understood every detail and felt confident in our decisions. He made what can often be a stressful process feel seamless and easy, and his dedication to finding us the best possible rates was truly appreciated. His professionalism and friendly demeanor made him a joy to work with. Whether it was guiding us through paperwork or providing timely updates, Josh made us feel like a priority throughout. We are so grateful for his expertise and support, and we would highly recommend him to anyone in need of a trustworthy and efficient loan officer.

Melissa P.

Gahanna, OH, Aug 28, 2025, 3:23 PM

Josh went above and beyond throughout the entire process. He answered countless questions and responded quickly to every phone call, text or email. This could be a really stressful and overwhelming process but felt seamless with Josh and his team. I couldn't have asked for a better experience!

Jeff B.

Newark, OH, Jul 11, 2025, 3:18 PM

Josh was easy to talk to and kept us updated throughout the process!

Seth L D.

UNIONTOWN, OH, Jul 5, 2025, 3:35 PM

Josh and Charlie were fantastic to work with! Very prompt and quick to respond. They made our first home buying experience seem a lot easier than we thought! Id I'd recommend them to anyone who asks!

Kara S.

Pataskala, OH, Jun 28, 2025, 3:05 PM

accessibility and timely responses

Kevin Josue V.

Columbus, OH, Jun 20, 2025, 3:09 PM

He really cared and it showed I'm glad i had him

Bridgette N W.

Zanesville, OH, Feb 15, 2025, 7:37 AM

Didnt feel like I was asking to much when I messed stuff over explained to me to understand what some stuff

Summer G G.

White Cottage, OH, Oct 25, 2024, 10:32 PM

Josh was great to work with and really really helpful!!

Britney A P.

Columbus, OH, Sep 8, 2024, 2:05 PM

We had the absolute pleasure of working with Josh during our home buying process, and we cannot recommend him enough! From start to finish, he was incredibly knowledgeable, attentive, and always one step ahead. Josh took the time to answer all of our questions, ensuring we understood every detail and felt confident in our decisions. He made what can often be a stressful process feel seamless and easy, and his dedication to finding us the best possible rates was truly appreciated. His professionalism and friendly demeanor made him a joy to work with. Whether it was guiding us through paperwork or providing timely updates, Josh made us feel like a priority throughout. We are so grateful for his expertise and support, and we would highly recommend him to anyone in need of a trustworthy and efficient loan officer.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Joshua Powers

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Ohio

Joshua Powers

Senior Loan Officer

NMLS: 493370

OH: MLO-OH.493370

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

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******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.