When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Kendall Withered | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Makenzie W.

Lexington, IN, Jul 25, 2026, 3:05 PM

We had such a wonderful experience working with Kendall and their entire team! From start to finish, they were always on top of everything and worked so quickly to get each step completed. They were responsive, organized, and made the entire process of buying our home feel so much smoother and less stressful. We truly appreciate all of their hard work and dedication in helping us get to the closing table. We couldn’t recommend them and their team enough!

Michelle R.

Madison, IN, Sep 27, 2025, 3:12 PM

Everything was excellent

Chandler A C.

Madison, IN, Apr 9, 2024, 3:13 PM

Was very helpful, always answered any questions we had and made the process very smooth for us

Ashley B.

Madison, IN, May 1, 2024, 2:08 AM

Kendall went above and beyond in helping with our loan. She was so personable and willing to help us in multiple ways even after normal working hours. She was knowledgeable and if did not know something then would get us an answer quickly. She was the reason that our experience was "excellent" and I am so glad that we worked with her.

Robert H.

Nabb, IN, May 6, 2024, 3:41 PM

Fast and reliable knowledge on the loan process

Megan W.

MADISON, IN, Jun 27, 2024, 3:06 PM

Kendall is the best of the best. I would recommend her to everyone! She is

Makenzie W.

Lexington, IN, Jul 25, 2026, 3:05 PM

We had such a wonderful experience working with Kendall and their entire team! From start to finish, they were always on top of everything and worked so quickly to get each step completed. They were responsive, organized, and made the entire process of buying our home feel so much smoother and less stressful. We truly appreciate all of their hard work and dedication in helping us get to the closing table. We couldn’t recommend them and their team enough!

Michelle R.

Madison, IN, Sep 27, 2025, 3:12 PM

Everything was excellent

Chandler A C.

Madison, IN, Apr 9, 2024, 3:13 PM

Was very helpful, always answered any questions we had and made the process very smooth for us

Ashley B.

Madison, IN, May 1, 2024, 2:08 AM

Kendall went above and beyond in helping with our loan. She was so personable and willing to help us in multiple ways even after normal working hours. She was knowledgeable and if did not know something then would get us an answer quickly. She was the reason that our experience was "excellent" and I am so glad that we worked with her.

Robert H.

Nabb, IN, May 6, 2024, 3:41 PM

Fast and reliable knowledge on the loan process

Megan W.

MADISON, IN, Jun 27, 2024, 3:06 PM

Kendall is the best of the best. I would recommend her to everyone! She is

Amber F.

Madison, IN, Jun 27, 2024, 3:06 PM

Kendall was great. She communicated consistently, was helpful, and timely. The only portal was easy to use. No problem at all!

Jeffrey A S.

Lexington, IN, Jul 6, 2024, 10:57 PM

Kendall went above and beyond. She was on vacation and still worked with us if we had any questions. Very happy with the process and Kendall.

Brittany S.

Oldenburg, IN, Jul 17, 2024, 7:05 PM

As first-time home buyers we were overwhelmed just thinking about the buying process. Ruoff made it super easy from the online application to closing. Our assigned loan officer, Kendall, was awesome! She was quick to answer our questions and relay information every step of the way. I would recommend Ruoff Mortgage and their team to anyone buying a home!

Victor F H.

Madison, IN, Sep 29, 2025, 3:06 PM

No worries

Brianna N R.

Hanover, IN, Sep 29, 2025, 5:09 PM

Kendall did an amazing job keeping us up to date throughout the whole process. She is very knowledgeable and great to work with!

Mikon C R.

Madison, IN, Sep 26, 2025, 8:04 PM

Super quick! We sold our old house and closed on the new house within a couple of weeks!

Chelsea Rae B.

Madison, IN, Jun 25, 2026, 3:54 PM

Kendall Withered and Ruoff mortgage is the best! I will recommend them for a lifetime to come! So easy to work with, down to earth, extremely quick to answer all my questions, and very knowledgeable! You guys are amazing, especially Kendall, thank you!

Amber F.

Madison, IN, Jun 27, 2024, 3:06 PM

Kendall was great. She communicated consistently, was helpful, and timely. The only portal was easy to use. No problem at all!

Jeffrey A S.

Lexington, IN, Jul 6, 2024, 10:57 PM

Kendall went above and beyond. She was on vacation and still worked with us if we had any questions. Very happy with the process and Kendall.

Brittany S.

Oldenburg, IN, Jul 17, 2024, 7:05 PM

As first-time home buyers we were overwhelmed just thinking about the buying process. Ruoff made it super easy from the online application to closing. Our assigned loan officer, Kendall, was awesome! She was quick to answer our questions and relay information every step of the way. I would recommend Ruoff Mortgage and their team to anyone buying a home!

Victor F H.

Madison, IN, Sep 29, 2025, 3:06 PM

No worries

Brianna N R.

Hanover, IN, Sep 29, 2025, 5:09 PM

Kendall did an amazing job keeping us up to date throughout the whole process. She is very knowledgeable and great to work with!

Mikon C R.

Madison, IN, Sep 26, 2025, 8:04 PM

Super quick! We sold our old house and closed on the new house within a couple of weeks!

Chelsea Rae B.

Madison, IN, Jun 25, 2026, 3:54 PM

Kendall Withered and Ruoff mortgage is the best! I will recommend them for a lifetime to come! So easy to work with, down to earth, extremely quick to answer all my questions, and very knowledgeable! You guys are amazing, especially Kendall, thank you!

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

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

Apply Now

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.