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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%
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Are you working with a loan officer?

Yes
No

Let's connect!

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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.

Renovation

What is a Renovation Loan?

A Renovation Loan, with Ruoff Home Mortgage, gives you the opportunity to buy or refinance a home in need of repairs or updates and roll those costs into one simple home loan.

The repairs or improvements can be as simple as fixing the roof or replacing carpet to remodeling a kitchen or adding on a master suite. The choices are up to you!

Bonus: Your loan and the value of the property will be based upon the condition and value after the repairs are completed. The renovation loan allows you the potential to gain instant equity in your home.

How does it work?

It all starts with deciding on the updates you would like to make in your current home. Your contractor and Ruoff will do the rest!

We will manage your renovation funds for you by tracking and dispersing all payments to your contractors. We will order inspections from certified home inspectors and/or appraisers to ensure work is complete and finished in a professional manner.

You and your contractor will have the peace of mind knowing the funds allocated for the renovation will be safe and available when a payment is required.

I want to buy a fixer upper

Renovation Purchase

I want to remodel my current home

Renovation Refinance