Picture of

What is your goal?


When are you
looking to buy?

How is your credit score?

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?

Let's connect!

Please complete all fields.

Your next step is to complete a full application.

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

What are your refinance goals?

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.
Get Started Picture of Kevin Johnson
Picture of Kevin Johnson

Hi, I'm Kevin!

VP Branch Manager

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

97.60% Customer Satisfaction Rating

Hi, I'm Kevin!

VP Branch Manager

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

97.60% 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.
Get Started

What is your goal?

Buy a Home

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


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

  • Kevin and Laura worked flawlessly as a team. My questions were always quickly and effectively. The entire process went much quicker than I expected and there were no major or even minor road bumps. I was treated fairly and everything on the loan documents matched perfectly to what I was told. An all-around great experience that I have even told all my friends about. I can't thank Kevin and Laura enough. they are truly the best two mortgage representatives I have ever worked with.

    Jason C, happy client
  • Super friendly, patient and attentive. I was super stressed at times and was emailing both Kevin and Sherry a lot with questions and they both were patient and understanding with me.

    Kathryn J, happy client
  • Everything was perfect. When something was needed, Kevin let us know right away! He worked with us to well!

    Caleigh G, happy client
  • Kevin worked very hard to make sure I was being taken care of and that he was finding the best product and rates for me personally. I was updated frequently and my questions were answered promptly by both Kevin and Rebecca.

    Katrina A, happy client
  • Easy process; clear instruction as to what was needed. Kevin looked for mortgage options for us and didn't try to assume the one that would work best without talking with us first.

    Susie C, happy client
  • As first time home buyers, we thought we would be overwhelmed with the entire process; that wasn't the case at all. After meeting our Ruoff agent, the home buying process was simplified and that only reaffirmed that Ruoff Home Mortgage was the right choice.

    David G, happy client
  • Kevin and Sherry were able to answer all of our questions with regards to refinancing. The complete process from our first meeting with KJ to our closing went smooth and as planned!! The Columbus office is so nice and filled with warm smiles and great people.

    Max B, happy client
  • I felt like my experience was customized for me, and for my personal situation/needs to secure a home loan.

    Lisa A, happy client
  • A great experience. We closed quick. We had a unique situation and Kevin and crew stepped and rescued us.

    Michael P, happy client
  • Made me feel like no question was too basic and that I couldn?t have had a better experience with anyone else. Kevin and Rebecca treated me like old friends! They were fantastic at being informative, helpful, patient and thorough. Great experience with both of them!

    Jeffrey B, happy client
  • Communication went well! We knew what was going on with our loan process at every moment. I loved the update emails. Kevin Johnson communicated with us constantly and if he knew I was worried about a part of the process, I'd usually get a call directly from him letting us know something was finished or approved. Our loan only took 7 days from start to final approval! Ruoff was amazing!

    Joseph E, happy client
  • Kevin was so friendly and kind. What I really liked about this whole process was he always kept in touch with me. This house buying closed in 3 weeks! I cannot believe how fast and passionate Kevin is on his work. I would definitely come back to him if I ever decide to move to another house. Thank you so much for the opportunity and support.

    Akitoshi K, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


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) 344-6670 or message me below!

Download our !