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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

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Your next step is to complete a full application.

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reaching out!
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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Kim Hockaday
Picture of Kim Hockaday

Hi, I'm Kim!

Senior Loan Officer

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

99.20% Customer Satisfaction Rating

Hi, I'm Kim!

Senior Loan Officer

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

99.20% Customer Satisfaction Rating

Let me help you get pre-approved today!

I am a Senior Loan Officer with Ruoff Mortgage. I started my tenure in the mortgage business in 2003. Previously, I worked at a leading real estate firm and also a title company, so I am able to analyze the whole picture when working with each client.

I provide mortgage services for borrowers seeking Conventional, Jumbo, FHA, VA, IHCDA, construction, and USDA loans for the purposes of purchasing or refinancing their homes. Ruoff Mortgage is able to offer a full menu of program and rate options to ensure that each client obtains the right loan for their situation.

Customer service is my top priority. I work hard to ensure that my clients understand and feel comfortable with the mortgage process. I understand that buying a home is the biggest purchase one will ever make and I strive to make that process as smooth as possible. I pride myself on being honest and fair with each client to ensure that they are able to obtain the best loan with the best rate and lowest costs that Ruoff Mortgage is able to offer, given their unique situation and set of circumstances.

I am proud to have personally received a Five Star Mortgage Professional award in 2014 and 2016. If you would like to receive award-winning service from a company and Senior Loan Officer that truly cares about you, I would love to have the opportunity to speak with you today.

Get Started

President's Club Member

President's club seal 2017
President's club seal 2018
President's club seal 2019
President's club seal 2020
President's club seal 2021

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

  • Kim did not treat me like a number. She was honest and upfront. She was blunt and to the point ( in a good way) no games. The best in the business. Kim was the best and she never made me wait more than 3 hours for any answer to my questions. If every agent works like Kim, you guys will run the loan market. Good rates, good people, and fast service. I will never send anyone I know anywhere else. Customer for life.

    Scott L, happy client
  • Kim's combination of knowledge and personality made the mortgage process seamless and enjoyable. Everything was transparent, she was extremely responsive to emails and phone calls, and was always there with an answer and information when needed. I would have no reservations for connecting her with our friends for their mortgage needs in the future!

    Adam C, happy client
  • Kim was always on top of things, responded quickly, and was prompt, courteous and friendly. I truly enjoyed working with her. When we encountered a blip due to the HOA providing inaccurate info, Kim was on it and had it all fixed in no time. She's like superwoman. I would recommend her to anyone. She made the process seamless. Glad I lucked out and got her!

    Jennifer F, happy client
  • Being a first time home buyer, Kim did an excellent job explaining any steps that we needed to take and answered any of our questions clearly and quickly.

    Derek J, happy client
  • Kim is amazing to work with! I have recommended her to my coworkers and friends. She is timely, helpful, and really knows her stuff! I feel very confident trusting her with our financial information and giving us her recommendations for what would be best for my husband and I! What an amazing asset to Ruoff!

    Kayla O, happy client
  • Kim was very personable and forthcoming with information. I was referred to her by a friend almost two years ago and Kim stayed in touch with me the entire time as we figured out our plans for a new home. She was extremely patient and engaged throughout the process.

    Adam S, happy client
  • I thought this process would be long and difficult but Kim made it fun and easy. She always explained everything and answered all of my questions!!

    Alyssa W, happy client
  • Kim was so nice and very knowledgeable. She even made sure to work w/ me if I needed her during a vacation. Great work ethic. She was always available via phone/email when needed.

    Jocelyn W, happy client
  • Kim was amazing. She was always there for us when we needed her no matter what time of day. She really made this a flawless process. Kim really did a great job and I will recommend her and Ruoff to anyone I know searching for a lender.

    Brock S, happy client
  • Kim went above and beyond with helping us close. She made a really stressful situation totally bearable. We have already recommended her to everyone we know!

    Brandy M, happy client
  • I cannot begin to tell you how fantastic of a job Kim and her associates did. Every question I had was answered timely and effectively. I felt from the very beginning this was a team effort, yes I had to gather information, but Kim and her team were my cheerleaders. Way to go! What an awesome experience.

    Curtis W, happy client
  • Fast, easy, and efficient loan process. We worked with an officer who answered all questions and was easy to reach and good at returning calls.

    Lisa S, happy client
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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 317.286.8016 or message me below!

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