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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?

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 Kim Melton
Picture of Kim Melton

Hi, I'm Kim!

Senior Loan Officer

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

95.60% Customer Satisfaction Rating

Hi, I'm Kim!

Senior Loan Officer

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

95.60% 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

  • Honestly, Kim Melton did everything really well. She explained everything and always had an answer for every question I had! She was very quick to respond and get the info we needed in order to move forward in our process of the biggest purchase we will have!

    Amy C, happy client
  • Communication was excellent! Kim responded pretty much anytime day or night. If she didn't have the answer she got back to us really quickly!

    Sarah W, happy client
  • Kim gave me all the options available, she was never pushy, she was very friendly, she really made me feel like a friend, not just another number or dollar sign.

    Steven R, happy client
  • Kim was very helpful in every step of the process. She returned our calls and messages quickly and efficiently. We were very thankful to have her as a part of this process.

    Erick S, happy client
  • Kim kept in contact with us almost daily. Even though the process took what seemed like forever, we finally made it and were able to buy our first home! I will be recommending her to others that I know are wanting to purchase a home.

    Stephanie B, happy client
  • Kim was so knowledgeable, kind and helpful. She made sure things were accurate, and she was willing to explain anything that I needed explaining.

    Whitney M, happy client
  • Kim and Nick Melton are amazing! They took their time explaining everything to us and what was coming next!

    Lauren , happy client
  • As a first time home buyer, she really helped me understand the process and answer my questions quickly and detailed. This helped me know what I was doing and when I needed it done by.

    Matthew W, happy client
  • Kim was very good at responding to any questions I had regardless of when I contacted her. She did a great job coordinating with my realtor to make the process as smooth as possible.

    Matt G, happy client
  • Kim was great at explaining everything and very helpful with anything we needed. She was a joy to work with.

    Rhonda L, 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) 596-0691 or message me below!

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