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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!

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Your next step is to complete a full application.

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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 Larry Dickey
Picture of Larry Dickey

Hi, I'm Larry!

Senior Loan Officer

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

99.40% Customer Satisfaction Rating

Hi, I'm Larry!

Senior Loan Officer

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

99.40% Customer Satisfaction Rating

Let me help you get pre-approved today!

I moved to Fort Wayne in 1995 after graduating from Ball State University with a bachelor's degree in finance. I have been in the mortgage lending business ever since and am currently licensed to originate loans in both Indiana and Michigan. Prior to attending Ball State University, I spent 2 1/2 years in the United States Army and served in the Gulf War.

Most of my time outside of work is spent with my wife and two children. I previously helped coach baseball, flag football, and the Homestead wrestling club and currently coach travel league baseball. I also sat on the Board of Directors for the Fort Wayne Board of Realtors previously.

My customer service philosophy is to always make sure the financing portion of the buying/building process goes smoothly so my customers can really focus on enjoying their new home. In addition, I also strive to make sure my customers are getting into a program that best meets their needs. My military experience taught me to pay attention to the smallest details, which is very important in the finance industry.

Ruoff has been providing home loans to the people of Indiana since 1984 -- more than 30 years. It is because of the phenomenal Ruoff Mortgage team, including our in-house processing, underwriting and closing departments, that I am able offer my clients and referral partners low costs, competitive rates, a wide variety of loan programs, sound advice and that hometown bank feeling.

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

  • Every aspect of the process went amazingly well from the application to the closing. I was kept apprised of every step along the way and all of my questions were answered promptly. Larry Dickey and his staff went above and beyond my expectations!! I would highly recommend Ruoff Mortgage. It was a pleasure to work with this remarkable staff!!

    Vicki P, happy client
  • I was really impressed with how fast they put this loan together. We were in a dire situation to get this loan asap and you guys made this happen. We are so thankful for all your hard work and how fast you made it happen!

    Marjorie G, happy client
  • Larry and Janeen were both very professional. They were very organized, responsive and made everything as smooth as possible. Larry was extremely knowledgeable and quick. My husband and I are very happy with our experience with Ruoff and would recommend Larry for anyone looking for a mortgage. He truly is the best!

    Molly F, happy client
  • Larry and his wonderful assistant kept me very well informed through the whole process. Everything was done and ready to go and we could have closed sooner but he let me choose when it was convenient for me! He was easy to get ahold of and always answered any questions I had. I will recommend Larry to everyone I know!

    Nicole J H, happy client
  • Larry went above and beyond to get my loan done extremely fast. He kept me informed and explained everything to me. On top of that, he was kind and professional. I will definitely refer friends and family to Larry. I couldn't have asked for a better experience!

    Kelley G, happy client
  • Larry was very nice and always responded right away, even on weekends or if he was out of town! Janeen was also very helpful and responded right away as well! They both made my experience amazing.

    Kaitlyn L, happy client
  • Larry is an amazing loan officer! We have purposely chosen to use him for our past few mortgage loans because he goes above and beyond for his customers. He is amazing at explaining everything during each phase of the process.

    Kelly C, happy client
  • Larry was extremely proactive in telling us what to expect throughout the entire process. I felt confident that I was in good hands, and it seemed that he was able to answer all of my questions before I even asked them. I am extremely happy with our choice to go through Ruoff!

    Tess O, happy client
  • Larry was very professional. We ran across multiple hurdles and through each one, he showed patience, when I feel other companies would have closed the door on us, and throughout these times I always felt like Larry and Janine were doing everything they could to accommodate our concerns. Customer service was A+ from start to finish.

    Mark B, happy client
  • Larry and his team responded instantly to any questions or concerns. I never had a doubt the financing and subsequent closing would be done properly and on time.

    Brian W, happy client
  • Consistent and constant communication. The process went so smooth and I always knew where we were at in the process. Questions were answered quickly, and accurately! Great experience with Ruoff! Larry and Janeen are awesome!!

    Shelley S, happy client
  • Everything! The whole process was painless and Larry made sure I was always kept in the loop. He was very responsive. Even after closing, I feel I can contact him if I have any questions.

    Jasmina 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 (260) 402-5661 or message me below!

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