Kevin Eames

Hi. I’m Kevin a VP, Branch Manager who works hard to make sure your pre-approval turns into home ownership.

Available after hours & weekends: call 260.416.8080 or

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


I am a lifelong resident of Columbia City, except for my 4 years in Huntington where I graduated from Huntington University with a bachelor's of science in business management with a minor in economics and finance. My beautiful wife and I have 4 amazing children that keep us very busy. When I have a little spare time I enjoy doing anything outside, including hunting and fishing. We also love serving in many capacities at our local church, First Church of God.

I joined Ruoff in June 2013 because they have the same philosophy of customer service as myself, and the wide array of products I can personalize to each customer. They have been providing home loans to the people of Indiana since 1984. It is because of the phenomenal Ruoff Home Mortgage team, including our in-house processing, underwriting and closing departments, that I am able to offer my clients and referral partners low costs, competitive rates, a wide variety of loan programs, sound advice and that hometown bank feeling.

My goal is to educate my clients in the variety of mortgage products we provide and to ensure each customer has the information to make the best decision. More importantly, I want them to feel confident and at ease throughout the process. I will do this by maintaining constant communication and by being available quickly to answer any questions that may arise.

My experience...

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.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Client Testimonials

Fast Approval

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