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Kym Baker

Senior Loan Officer

NMLS: 804933

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Kym

99.04%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerPresident's Club

Awards

Proudly serving Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Kylee R.

Nappanee, IN, Jul 12, 2024, 3:11 PM

The communication was amazing!! I originally started my home buying journey through another company but I nearly gave up a few times because they were so difficult to talk to but once we decided to switch to Ruoff, everything felt so much simpler and they made it such an easy to understand process! I could not recommend them enough!!

Katlin R R.

Wakarusa, IN, Nov 6, 2023, 4:09 PM

Kym Baker was AMAZING to work with. She made everything so easy and took the time to help me understand everything I needed to know as a first time homeowner. I plan to stay with her for years to come and will happily be referring everyone I know to her.

Randall E.

Baldwin, MI, Aug 10, 2026, 10:52 PM

Communication

Joryn E.

Baldwin, MI, Aug 10, 2026, 5:51 PM

Kym was amazing!!! her patients for explaining every step of the process in detail was just what I needed as a first time homebuyer. she never made us feel that any of are questions we had were to silly or not important. She was always available when we needed to chat or had concerns. we highly recommend her to all of our friends and family who are in the market to buy! Definitely will be return customers if we are in need again .

Kenda C.

Bourbon, IN, Jul 28, 2026, 4:31 PM

Kym made communication very easy to understand and quick to respond .

Whitney M.

Elkhart, IN, Jul 28, 2026, 4:11 PM

Kym was great to work with! She answered all of questions and communicated very well. The process was easy because of her.

Michael David C.

South Bend, IN, Jul 25, 2026, 10:46 PM

We really appreciated the prompt and open communication. It really helped o make a long process much more maneagable.

Kylee R.

Nappanee, IN, Jul 12, 2024, 3:11 PM

The communication was amazing!! I originally started my home buying journey through another company but I nearly gave up a few times because they were so difficult to talk to but once we decided to switch to Ruoff, everything felt so much simpler and they made it such an easy to understand process! I could not recommend them enough!!

Katlin R R.

Wakarusa, IN, Nov 6, 2023, 4:09 PM

Kym Baker was AMAZING to work with. She made everything so easy and took the time to help me understand everything I needed to know as a first time homeowner. I plan to stay with her for years to come and will happily be referring everyone I know to her.

Randall E.

Baldwin, MI, Aug 10, 2026, 10:52 PM

Communication

Joryn E.

Baldwin, MI, Aug 10, 2026, 5:51 PM

Kym was amazing!!! her patients for explaining every step of the process in detail was just what I needed as a first time homebuyer. she never made us feel that any of are questions we had were to silly or not important. She was always available when we needed to chat or had concerns. we highly recommend her to all of our friends and family who are in the market to buy! Definitely will be return customers if we are in need again .

Kenda C.

Bourbon, IN, Jul 28, 2026, 4:31 PM

Kym made communication very easy to understand and quick to respond .

Whitney M.

Elkhart, IN, Jul 28, 2026, 4:11 PM

Kym was great to work with! She answered all of questions and communicated very well. The process was easy because of her.

Michael David C.

South Bend, IN, Jul 25, 2026, 10:46 PM

We really appreciated the prompt and open communication. It really helped o make a long process much more maneagable.

Andrea LuAna C.

South Bend, IN, Jul 22, 2026, 3:33 PM

Kym is amazing! She was very good at communication throughout the whole process. She is very knowledgeable and we would recommend her to anyone.

Anne R.

Bristol, IN, Jul 17, 2026, 7:20 PM

Kym was wonderful to work with.. she made sure we understood all the paperwork. She was very welcoming.

Nathan R.

Bristol, IN, Jul 17, 2026, 3:08 PM

Personal service, walked me thu any questions or concerns I may have had. Extremely professional and curious. I am terrible with emails and she always politely reminded me that I have documents to sign to keep everything on track for a speedy closing. I would highly recommend her.

Ryan B.

Bristol, IN, Jun 17, 2026, 6:24 PM

Well Kym was very great out of your 5 stars rating she was a 20.She made sure I was informed on all the rules and what I needed. She was really great to work with and I will be sending all my people to her. When I say class act Kym is that all the way. Thank you Kym for making our dream come true.

Karen I M.

Goshen, IN, Jun 8, 2026, 3:12 PM

Kym was so understanding with all of the worries and questions that I had along the way and was always extremely informative and helpful and made the experience a wonderful one!

Jack E. P.

Warsaw, IN, Jun 5, 2026, 3:35 PM

Kym is Awesome!

Steven S.

Wabash, IN, May 5, 2026, 3:19 PM

Every Aspect about the process was amazing. Ruoff Mortgage can make it possible to achieve a life long dream of home ownership easy. Kim Baker has done an Excellent job. Along with all the Ruoff Officers. I would recommend Ruoff Mortgage and Kim Baker to anyone I come across interested in a loan.

Joseph S S.

Granger, IN, Apr 28, 2026, 1:31 PM

Super smooth with no surprises. we were able to get into our new home in no time at all with no surprises. Kym was very knowledgeable of VA homeloans it made for a pleasant experience that I would recommend for anyone looking for a new home.

Andrea LuAna C.

South Bend, IN, Jul 22, 2026, 3:33 PM

Kym is amazing! She was very good at communication throughout the whole process. She is very knowledgeable and we would recommend her to anyone.

Anne R.

Bristol, IN, Jul 17, 2026, 7:20 PM

Kym was wonderful to work with.. she made sure we understood all the paperwork. She was very welcoming.

Nathan R.

Bristol, IN, Jul 17, 2026, 3:08 PM

Personal service, walked me thu any questions or concerns I may have had. Extremely professional and curious. I am terrible with emails and she always politely reminded me that I have documents to sign to keep everything on track for a speedy closing. I would highly recommend her.

Ryan B.

Bristol, IN, Jun 17, 2026, 6:24 PM

Well Kym was very great out of your 5 stars rating she was a 20.She made sure I was informed on all the rules and what I needed. She was really great to work with and I will be sending all my people to her. When I say class act Kym is that all the way. Thank you Kym for making our dream come true.

Karen I M.

Goshen, IN, Jun 8, 2026, 3:12 PM

Kym was so understanding with all of the worries and questions that I had along the way and was always extremely informative and helpful and made the experience a wonderful one!

Jack E. P.

Warsaw, IN, Jun 5, 2026, 3:35 PM

Kym is Awesome!

Steven S.

Wabash, IN, May 5, 2026, 3:19 PM

Every Aspect about the process was amazing. Ruoff Mortgage can make it possible to achieve a life long dream of home ownership easy. Kim Baker has done an Excellent job. Along with all the Ruoff Officers. I would recommend Ruoff Mortgage and Kim Baker to anyone I come across interested in a loan.

Joseph S S.

Granger, IN, Apr 28, 2026, 1:31 PM

Super smooth with no surprises. we were able to get into our new home in no time at all with no surprises. Kym was very knowledgeable of VA homeloans it made for a pleasant experience that I would recommend for anyone looking for a new home.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Kym Baker

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

President's Club

President's Club

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Indiana, Michigan

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

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******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.