Picture of

What is your goal?

Purchase

When are you
looking to buy?

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

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?

Yes
No

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.
Continue

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan
Unsure

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 Laura Ritchie
Picture of Laura Ritchie

Hi, I'm Laura!

Loan Officer

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

98.16% Customer Satisfaction Rating

Hi, I'm Laura!

Loan Officer

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

98.16% 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.

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

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

  • I wish there was a better word for Laura Ritchie other than excellent! She is very knowledgeable, communicates wonderfully. I felt that Laura Ritchie went above and beyond to make things happen for us. Laura Ritchie's dealings with us were done in a timely manner. I felt very comfortable asking her anything, especially things where I was just confused because I have not experienced this process in quite some time. I definitely recommend Laura Ritchie to anyone going through a mortgage process.

    Debra Ka W, happy client
  • I couldn't have had asked for a better homebuying experience! Every want/need was met, beyond ecstatic! Laura was amazing!

    Alyssa T, happy client
  • Laura was great! Quick, responsive, reliable. She took a lot of stress out of the home buying process. Thank you Laura!

    Julie B, happy client
  • Laura was speedy, helpful and cheerful in all of her communications.

    Christine L, happy client
  • Laura was amazing! The definition of above and beyond! After a bad experience, I had at another company she quickly helped me pick up the pieces and move forward! She was so quick to get everything done and communication was superb. With me being a first-time buyer she explained everything with patience and kindness. I had such a wonderful experience at Ruoff and I will definitely recommend.

    Madison M, happy client
  • Laura made us feel like we could accomplish our dream! And she succeeded!

    Galen S, happy client
  • Laura went above and beyond to answer any questions that we had along the way, AND she remained open and available when we had extra questions. She never made us feel uncomfortable and made sure that we were informed and comfortable with every step of the buying process.

    Toni B, happy client
  • Laura was absolutely fantastic to work with! We got the info to Laura that she had requested, and the rest went smoothly and QUICKLY! Very impressed!

    Kathy W, happy client
  • Laura and team were an incredible asset to my first-time-home-buying journey. Laura was the perfect go-between and liaised seamlessly between myself and other parties, making comprehension simple, and raising my comfort level with big decisions. Laura’s ability to be reached and her rapid client-focused response times were quintessential in my preapproval to make an offer — and her client-focused approach was consistent throughout my loan process, during the holiday season, no less.

    Nathaniel T C, happy client
  • Laura was a positive force in making this happen. She was an absolute pleasure.

    Heather W, happy client
  • Wonderful timing on the entire process. I'd have to say the best thing you did was hire Laura and assign her to us. She truly made everything so much easier & understandable.

    Alice C, happy client

Why should you choose Ruoff?

59

Branches throughout
the US.

98.8%

Customer Satisfaction Score according to Customerville.

17

Days or less average
clear-to-close.

35

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

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) 433-5536 or message me below!

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