Picture of

What is your goal?

Purchase

When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year
Unsure

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?

Yes
No

Let's connect!

Please complete all fields.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

Would you like to continue to complete your full application?

No, thanks.
Continue

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan
Unsure

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Picture of Keith Luken
Picture of Keith Luken

Hi, I'm Keith!

Senior Loan Officer

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

99.58% Customer Satisfaction Rating

Hi, I'm Keith!

Senior Loan Officer

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

99.58% Customer Satisfaction Rating

Let me help you get pre-approved today!

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.

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

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

  • Very fast, responsive, and friendly. No problems with anything on his end. I really liked the updates I received by email and being able to quickly upload docs as required. The process went as smoothly as could be--from the day I looked at my home with my agent to closing was only three weeks! I've told many people about how it went so quickly and so well!

    Chris B, happy client
  • Responsiveness was excellent. I never waited long to get an answer from Keith or Becca.

    Surekha D, happy client
  • Keith was patient and supportive through the whole process. As first time home buyers, we felt fortunate to be working with Keith.

    Brandon H, happy client
  • Keith was willing to drive up to Indy to help me out. He was always available to help me in this process to make sure I had everything in line for closing. He went above and beyond.

    Abby P, happy client
  • I was completely satisfied with Keith and my home buying experience. Keith explained the process to me and walked me through the entire process. Keith was prompt at returning all my call and emails. I had a lot of questions and Keith was patient and gave me excellent answered. Nothing was a surprise. I will recommend Keith to all of my friends and family.

    Lisa P, happy client
  • When I had problems with my other mortgage company Ruoff was suggested to me. Keith Luken was friendly and fast. It was a matter of weeks and Keith had gotten us approved for our mortgage and we were in our new home in record time.

    Veronica C, happy client
  • Keith was a rock star from the start! Being a first-time future home owner I had about 20 questions a day. Keith was very responsive, respectful and always took the time to walk me through each step of the process. I'd highly recommend Keith to anyone - the process couldn't have gone much smoother!

    Brittany (Bri) B, happy client
  • As first-time homebuyers, we really didn't know what we were doing. Keith took the time to go through and explain everything so it made sense to us. He made everything very easy and the process went really smooth. We can't thank Keith and the Ruoff staff enough for all of their help.

    Zach P, happy client
  • This is the second loan we have done with Keith and he was our first contact when we wanted to buy again. The entire process from inquiry to closing was smooth and easy. Keith and his team were out in front of the process, incredibly responsive, and communicated with us every step of the way! So appreciative of their expertise and excellent service!

    Jan K, happy client
  • Keith was an absolute blessing to my family. He worked very hard and was very thorough. Perhaps the most important thing was that he was always available and explained things very carefully.

    Stephen S, happy client
  • Every question I had was treated as though it was a wonderful question and not a stupid question. Even if I had asked it before, it was explained again to help me understand and the willingness to be patient with a new home buyer such as myself made it very comfortable to work with Keith and Becca at Ruoff.

    Corey S, happy client
  • I have bought and sold several houses over the last 10 years and this was one of the fastest and smoothest transactions I have ever done. Closed in 2 weeks. Very impressed!!

    Michael B, happy client

Why should you choose Ruoff?

59

Branches throughout
the US.

98.8%

Customer Satisfaction Score according to Customerville.

17

Days or less average
clear-to-close.

35

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

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 (812) 350-2708 or message me below!

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