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What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

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.

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

Would you like to continue to complete your full application?

No, thanks.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

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.
Picture of Kirk Kingery
Picture of Kirk Kingery

Hi, I'm Kirk!

Senior Loan Officer

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

98.61% Customer Satisfaction Rating

Hi, I'm Kirk!

Senior Loan Officer

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

98.61% Customer Satisfaction Rating

Let me help you get pre-approved today!

Another name for “Loan Officer” could be “Problem Solver.” After 25 years in the business, including experience as a Branch Manager, I’ve learned to solve many of the problems that get in the way of home ownership and financial stability. I specialize in renovation loans and can help you navigate the ever-changing process of qualifying for your next mortgage. I love helping people find their next home and I’m happy to work for a company that speeds up the transaction. I define success as being happy with yourself and your decisions, and my goal is to help my customers achieve their own version of success. I’m organized, honest, and I work hard for my clients. It sounds simple, but I find that treating people the way I would like to be treated is the best way to do business.

Prior to working in the mortgage industry, I served in the United States Air Force, which helped to prepare me for life’s greatest and most important challenge: raising three successful children. Someday, I’d like to travel the world. In the meantime, I enjoy being outdoors and playing golf, boating, and camping. And coffee. Don’t underestimate the power of coffee.

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

  • Very organized and more up to date technology versus other mortgage institutions. Everyone was very friendly, and Kirk was patient and kind through the entire process. I will highly recommend Ruoff and Kirk to others!

    Charlotte H, happy client
  • Kirk was excellent. He understood that I was not familiar with any of the process and he was very helpful and explained everything to me. He is an outstanding representation of your company.

    Mary H, 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 (765) 606-7799 or message me below!

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