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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 Joy Cluff
Picture of Joy Cluff

Hi, I'm Joy!

Senior Loan Officer

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

98.40% Customer Satisfaction Rating

Hi, I'm Joy!

Senior Loan Officer

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

98.40% Customer Satisfaction Rating

Let me help you get pre-approved today!

I joined Ruoff Mortgage as a Senior Loan Officer. I have worked in the mortgage industry for over a decade. During those years, I have held different positions that give me experience in the entire home-buying process.

I am raising my family in St. Joseph, Michigan, and love being part of the community. My husband, Matt, also works at Ruoff on the Operations Team. It’s great to be able to show our three children that parents can work at the same company and do the jobs that we are passionate about. I feel blessed every day that I get to do what I do, and that’s all thank to my clients, realtors, and strategic partners.

I am committed to providing mortgage options in Southwest Michigan and Michiana communities. I am committed to providing excellent customer service and timely communication from start to finish. I pride myself in building relationships with my clients so I can find the best loan program to meet your needs.

If you are ready to buy a new home, refinance your current home, or maybe build your dream home, I’m ready to use my expertise and knowledge. If you ever have any questions and want to talk with someone who will be open to helping you (without making you feel like you’re talking to a sales person), please contact me anytime. I look forward to helping you reach your home ownership goals!

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

  • Joy was excellent! I am so glad that she was assigned to us. Even though she wasn't at our local branch, I couldn't have asked for better customer service. She was always available for us and I just can't say enough good things about her. I would highly recommend her to anyone looking to buy a home. She truly went above and beyond expectations!

    Shawn B, happy client
  • I can honestly say Joy was a pleasure to work with. She made this seem like a walk in the park. I felt she went out of her way at times and couldn't have done a better job. She was amazing!!!

    Brent L, happy client
  • Joy was the best! Everything was better than promised. Communication was outstanding. I will be recommending Joy Cluff to all my friends, family and coworkers.

    Logan S, happy client
  • Joy was very well prepared and extremely knowledgeable. Combine that with her amazing personality, everything just fell in place. We absolutely loved Joy and are very happy that she made things work the way we wanted to.

    Hansen J, happy client
  • Joy Cluf, is a wonderful person to work with. She helped me through it all, was very patient and helped me with my concerns and questions. Thanks a bunch!

    Theodore M, happy client
  • Joy was absolutely a delight to work with! She was on her game and very caring as well during the process!

    Bryce N, happy client
  • Joy was a pleasure to work with, she got us a better rate than we expected and met our short timeframe with no hassles. I had previously used another mortgage company and this was even easier and quicker.

    Clifford K, happy client
  • Joy was always on the ball and went above and beyond to help us settle into our new home! 10/10 would recommend!

    Brock P, happy client
  • Joy was super helpful and very friendly. I really felt cared about and taken care of during the mortgage process. The 1st time buying a house was not pleasant. This was the opposite. It was easy and very pleasant. Highly recommend Joy and Ruoff!

    Jason D, happy client
  • No surprises or anything different than promised.

    Danny P, happy client
  • It was always great and comfortable talking to Joy she took care of things.

    Joseph L, happy client
  • Joy was clear about the process and answered quickly to my questions and concerns! Everything went as smoothly as they could have!

    Saleena H, 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 (269) 363-6953 or message me below!

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