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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.
Contact Us

St. Joseph

500 Renaissance Drive, Suite 104-B
, St. Joseph, MI 49085
Telephone: 269.985.0404
| Fax: 269.912.6013

The St. Joseph branch of Ruoff Mortgage serves the St. Joseph, Michigan and Berrien County area. On the shores of Lake Michigan, St. Joseph boasts sandy beaches, breathtaking lighthouses, and a wonderful carousel and pavilion that are great for families. With close proximity to Chicago, Kalamzaoo, and South Bend, St. Joe is the perfect location for those wanting to take in the good things in life! The St. Joseph branch is looking forward to serving your mortgage needs with all types of loan programs to help you construct, refinance, renovate, or purchase a home!

Meet the St. Joseph team!

99.05% Customer Satisfaction Rating
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Frank Noble

VP, Branch Manager NMLS: 208216
98.40% Customer Satisfaction Rating
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Joy Cluff

Senior Loan Officer NMLS: 115518
99.59% Customer Satisfaction Rating
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Lyn MacCarty

Senior Loan Officer NMLS: 213510

Stay connected.