Ruoff Mortgage
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Julie Sammons

Senior Loan Officer

NMLS: 870309

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

99%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Michigan

Meet our happy homeowners***

View All Testimonials

Devin F.

Taylor, MI, Jul 22, 2026, 3:49 PM

Julie had all information ready as soon as possible and made the entire loan process very easy and understandable. She was just a call or text away at any time if we needed help or had questions and responded quickly.

Terry David L.

River Rouge, MI, Jun 26, 2026, 3:05 PM

The whole process was outstanding!

Dylan Y.

Allen Park, MI, May 29, 2026, 3:35 PM

Everyone was very helpful and very kind.

Carlos M R.

Westland, MI, May 19, 2026, 7:52 PM

Julie is awesome!!!! We were not confused about anything or any number on our mortgage. She was so nice, patient, helpful, & took the time to break down & explain any little detail we didn't understand. I am so happy with with my experience & my new home!! Thank you again Julie!!

Clifford A.

Rockwood, MI, Apr 26, 2026, 5:32 PM

Julie went above and beyond our expectations if had to do it all over again in an absolute minute, day of the week and twice on Sunday what I have noticed is even when she wasn't working and during her personal time she helped us out big time

Joyce A.

Rockwood, MI, Apr 26, 2026, 12:16 AM

The rouff team was excellent 😃

Devin F.

Taylor, MI, Jul 22, 2026, 3:49 PM

Julie had all information ready as soon as possible and made the entire loan process very easy and understandable. She was just a call or text away at any time if we needed help or had questions and responded quickly.

Terry David L.

River Rouge, MI, Jun 26, 2026, 3:05 PM

The whole process was outstanding!

Dylan Y.

Allen Park, MI, May 29, 2026, 3:35 PM

Everyone was very helpful and very kind.

Carlos M R.

Westland, MI, May 19, 2026, 7:52 PM

Julie is awesome!!!! We were not confused about anything or any number on our mortgage. She was so nice, patient, helpful, & took the time to break down & explain any little detail we didn't understand. I am so happy with with my experience & my new home!! Thank you again Julie!!

Clifford A.

Rockwood, MI, Apr 26, 2026, 5:32 PM

Julie went above and beyond our expectations if had to do it all over again in an absolute minute, day of the week and twice on Sunday what I have noticed is even when she wasn't working and during her personal time she helped us out big time

Joyce A.

Rockwood, MI, Apr 26, 2026, 12:16 AM

The rouff team was excellent 😃

Sheryl Joy Enriquez T.

Rochester Hills, MI, Apr 12, 2026, 7:02 PM

The availability of everyone even on weekend or holiday or late hours.

Dorothy P.

Lincoln Park, MI, Mar 13, 2026, 5:08 PM

Julia was not just a Mortgage person she felt like family . she informed tme about everything that was going on on a daily basis with all updates.

Meghan Y.

Southgate, MI, Feb 16, 2026, 8:11 PM

Julie was very informative, easy to work with, knowledgeable and great with communication

Julian Y.

Southgate, MI, Feb 16, 2026, 4:10 PM

Start to finish the process was easy, clear, efficient, and professional. From the Loan Butler application, uploading of documents, and the quick and friendly communication from Julie and Jenna. Our experience was a little out of the normal with the timeline for a refinance, but Julie and Jenna stuck it out with us to achieve our goal. Cannot thank Ruoff enough for their support.

Yorlan J R.

Ecorse, MI, Dec 16, 2025, 4:02 PM

Julie really cared about us and under our situation.

William G.

Trenton, MI, Dec 3, 2025, 1:54 AM

Great work,wonderful people, and very fast processing

Robert J M.

Riverview, MI, Nov 28, 2025, 4:19 PM

Julie was awesome she was always there to answer any questions and guide us every step of the way.. always in contact always returning all my phone calls and always letting you know the next step... she is very enthusiastic and works through any issue you may

Sheryl Joy Enriquez T.

Rochester Hills, MI, Apr 12, 2026, 7:02 PM

The availability of everyone even on weekend or holiday or late hours.

Dorothy P.

Lincoln Park, MI, Mar 13, 2026, 5:08 PM

Julia was not just a Mortgage person she felt like family . she informed tme about everything that was going on on a daily basis with all updates.

Meghan Y.

Southgate, MI, Feb 16, 2026, 8:11 PM

Julie was very informative, easy to work with, knowledgeable and great with communication

Julian Y.

Southgate, MI, Feb 16, 2026, 4:10 PM

Start to finish the process was easy, clear, efficient, and professional. From the Loan Butler application, uploading of documents, and the quick and friendly communication from Julie and Jenna. Our experience was a little out of the normal with the timeline for a refinance, but Julie and Jenna stuck it out with us to achieve our goal. Cannot thank Ruoff enough for their support.

Yorlan J R.

Ecorse, MI, Dec 16, 2025, 4:02 PM

Julie really cared about us and under our situation.

William G.

Trenton, MI, Dec 3, 2025, 1:54 AM

Great work,wonderful people, and very fast processing

Robert J M.

Riverview, MI, Nov 28, 2025, 4:19 PM

Julie was awesome she was always there to answer any questions and guide us every step of the way.. always in contact always returning all my phone calls and always letting you know the next step... she is very enthusiastic and works through any issue you may

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 Sammons

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 Michigan

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

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

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

Fair Housing Logo White

******††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.