Laura Mullen
VP | Branch Manager
NMLS: 500688 | KY: MC885006
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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98.33%
Customer Satisfaction Score.
Awards
Proudly serving Florida, Indiana, Kentucky, Tennessee
Meet our happy homeowners***
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A Bit About Me
As a lifelong Hoosier, I’m proud to help homebuyers throughout Indiana, Kentucky, Tennessee, and Florida achieve their homeownership dreams. For more than 25 years, I’ve guided individuals and families through the mortgage process with honesty, clear communication, and a responsive, hands-on approach. I offer FHA, USDA, VA, and Conventional loans. Nothing is more rewarding than helping first-time homebuyers achieve the dream of homeownership, especially through down payment assistance programs. Whether you’re buying, building, refinancing, or moving into your next home, my team and I are committed to making the process smooth, stress-free, and tailored to your goals.
Awards & Achievements
Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
President's Club
6x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.
After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.
A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.
An FHA loan allows you to purchase a home with a lower down payment while also offering more flexible credit requirements. This makes it a popular option for first-time buyers or anyone looking to get into a home sooner without needing a large upfront investment.
The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.
Yes, you can buy a home while paying off student loans, even with significant debt, as long as you meet credit, income, and debt-to-income (DTI) requirements. Ruoff Mortgage assesses your total monthly payments, not just the total loan balance, to determine affordability.
You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.
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My Latest Blogs
Down Payment Assistance Programs Help Make Homeownership More Attainable
Jul 21, 2026
Down Payment Assistance Programs: Making Homeownership Possible in Frankfort, Lebanon, Lafayette, and Zionsville and beyond
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Why Comparing Mortgages Involves More Than Just the Interest Rate
May 27, 2026
When shopping for a home loan in central Indiana, many buyers focus only on the interest rate. Yet comparing mortgages requires looking at the complete package to find the right fit for your situation. A lower rate might look appealing on paper, but hidden factors can affect your monthly payment and long-term costs.
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Should You Buy Now or Wait for Lower Rates in 2026?
Apr 9, 2026
Homeownership dreams often collide with mortgage rate uncertainty. Right now, many folks in Frankfort, Lebanon, Mulberry, Rossville, Kirklin, and Michigantown, Indiana are asking: Should you buy now or wait for lower rates in 2026? It's a tough call, especially with rates hovering around 6-7% and whispers of potential drops ahead.
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Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*