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Julie Chester

Senior Loan Officer

NMLS: 798974 | OH: MLO.042581.001

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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Julie

92.75%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award Winner

Awards

Proudly serving Ohio

Meet our happy homeowners***

View All Testimonials

Cindy M W.

Mount Gilead, OH, Aug 1, 2026, 9:44 PM

Very friendly and so helpful with the process which to me is hug! thank you

Tanner J. N.

Fredericktown, OH, Mar 24, 2026, 3:03 PM

Everything was handled in a timely and professional fashion. Julie was extremely helpful and we would recommend her to anyone shopping!

Karen R K.

MOUNT VERNON, OH, Dec 4, 2025, 3:04 PM

As a first time homeowner I was so anxious about the entire process and from the first phone call with Julie she made it all so extremely smooth and possible! Could not recommend Julie and her team more to anyone looking for a lender! Thank you!

Colton Lee R.

Mount Vernon, OH, Dec 6, 2025, 4:01 PM

Communication!

Melanie R M.

Crestline, OH, Nov 25, 2025, 11:07 AM

Julie was wonderful to work with and I will recommend her to all my friends and family! She helped us through the whole process and was funny and charming! It was an amazing process, but Julie made it easy and clear. We are so happy, thanks to Julie and this company!

Darin M A.

Fredericktown, OH, Nov 3, 2025, 7:21 PM

Julie is the reason everything was so perfect . she was quick with the whole process and super frend, she needs a raise.

Cindy M W.

Mount Gilead, OH, Aug 1, 2026, 9:44 PM

Very friendly and so helpful with the process which to me is hug! thank you

Tanner J. N.

Fredericktown, OH, Mar 24, 2026, 3:03 PM

Everything was handled in a timely and professional fashion. Julie was extremely helpful and we would recommend her to anyone shopping!

Karen R K.

MOUNT VERNON, OH, Dec 4, 2025, 3:04 PM

As a first time homeowner I was so anxious about the entire process and from the first phone call with Julie she made it all so extremely smooth and possible! Could not recommend Julie and her team more to anyone looking for a lender! Thank you!

Colton Lee R.

Mount Vernon, OH, Dec 6, 2025, 4:01 PM

Communication!

Melanie R M.

Crestline, OH, Nov 25, 2025, 11:07 AM

Julie was wonderful to work with and I will recommend her to all my friends and family! She helped us through the whole process and was funny and charming! It was an amazing process, but Julie made it easy and clear. We are so happy, thanks to Julie and this company!

Darin M A.

Fredericktown, OH, Nov 3, 2025, 7:21 PM

Julie is the reason everything was so perfect . she was quick with the whole process and super frend, she needs a raise.

Chandler J S.

Howard, OH, Oct 26, 2025, 3:16 PM

Julie was great to work with! She was friendly, professional, and knowledgeable, keeping me informed every step of the way and always quick to respond to any questions. I’d absolutely recommend Julie to anyone looking for a mortgage loan!

Larry R I.

Mount Vernon, OH, Oct 17, 2025, 5:44 AM

Julie was always available to answer questions and was pleasant to work with!

Megan W.

Mount Vernon, OH, Sep 27, 2025, 3:03 PM

Julie worked very well with us! She was very thorough with the whole process.

Skyler M.

Mount Vernon, OH, Sep 26, 2025, 3:07 PM

Very quick turnaround and efficient in all aspects

Anthony Michael C.

Howard, OH, Sep 24, 2025, 3:04 PM

personal communication between Julie and myself made the experience easy to navigate and friendly and honest

Kyle O.

Mount Vernon, OH, Sep 16, 2025, 3:19 PM

Communication was paramount in the process and the patience that Julie had while I continued to ask questions was unbelievable. Truly a great experience on my end and so glad Julie helped through that proces.

Olivia C.

Mount Vernon, OH, Sep 11, 2025, 12:59 PM

Through the whole process Julie was on top of everything. If I had a question she knew the answer and what direction to point me in. There was not a single moment I felt alone in this process. Julie Chester communicated effectively and has a great personality. As a first homeowner I can say I feel confident in my decsion especially because of the guidance I had from Julie. I highly recommend working with Julie Chester and will make sure to tell anyone buying a house to reach out to her. Julie even took the time out of her day to come to my closing. It meant a lot to me having her there. Julie made my experience excellent!

Chandler J S.

Howard, OH, Oct 26, 2025, 3:16 PM

Julie was great to work with! She was friendly, professional, and knowledgeable, keeping me informed every step of the way and always quick to respond to any questions. I’d absolutely recommend Julie to anyone looking for a mortgage loan!

Larry R I.

Mount Vernon, OH, Oct 17, 2025, 5:44 AM

Julie was always available to answer questions and was pleasant to work with!

Megan W.

Mount Vernon, OH, Sep 27, 2025, 3:03 PM

Julie worked very well with us! She was very thorough with the whole process.

Skyler M.

Mount Vernon, OH, Sep 26, 2025, 3:07 PM

Very quick turnaround and efficient in all aspects

Anthony Michael C.

Howard, OH, Sep 24, 2025, 3:04 PM

personal communication between Julie and myself made the experience easy to navigate and friendly and honest

Kyle O.

Mount Vernon, OH, Sep 16, 2025, 3:19 PM

Communication was paramount in the process and the patience that Julie had while I continued to ask questions was unbelievable. Truly a great experience on my end and so glad Julie helped through that proces.

Olivia C.

Mount Vernon, OH, Sep 11, 2025, 12:59 PM

Through the whole process Julie was on top of everything. If I had a question she knew the answer and what direction to point me in. There was not a single moment I felt alone in this process. Julie Chester communicated effectively and has a great personality. As a first homeowner I can say I feel confident in my decsion especially because of the guidance I had from Julie. I highly recommend working with Julie Chester and will make sure to tell anyone buying a house to reach out to her. Julie even took the time out of her day to come to my closing. It meant a lot to me having her there. Julie made my experience excellent!

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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Julie Chester

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.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

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

Julie Chester

Senior Loan Officer

NMLS: 798974

OH: MLO.042581.001

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.