Based on quarterly 98% or better third party customer satisfaction survey data
I like to think of all of my customers and Realtors as an extended part of my family. I genuinely care about their goals, needs and appreciate that the home buying process is an adventure most people embark on only a few times in their life. I grew up in a very small town, Crestline, Ohio and moved to Northeast Ohio in 1996. I have raised my family here and have been in the industry for 18 years. I absolutely look forward to hearing borrowers stories, their dreams, and the apprehensions they may have about the process. I offer encouragement, guidance and open communication to all of my customers, as I would want to be treated the same way. I spent a great deal of time in my early childhood with my Grandpa, and he never knew a stranger. I would like to think that my ease of speaking with people comes from my time with him. My desire to learn and grow on a daily basis most certainly comes from my Father- and is the BEST part of the mortgage and real estate industry. We are ALWAYS learning in this ever changing industry of guidelines! Here at Ruoff, we value growth and share weekly our experiences and discoveries with our family of loan officers throughout the country in an effort to serve you better. My desire is to provide the best options, explain the steps and guide my borrowers throughout the home buying process. Reassurance, honest open dialogue and a true desire to help buyers is the key to our mutual success. My hope is to provide you with a loan that not only fits your budget, but your comfort level. We provide a plethora of mortgage options and I look forward to helping you find what best suits your needs. I welcome the opportunity to share the joy and excitement when you too can say, there truly is "No Place Like Home!"
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.
I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!
Confirm your home financing options ahead of schedule
What to Expect
Understanding your home finance options puts you in the driver's seat when you are negotiating your home purchase. Getting a no obligation Ruoff Step Ahead pre-approval letter tells all parties involved that you are a qualified borrower. Because your Ruoff Step Ahead pre-approval letter confirms that your documentation has been reviewed by a Ruoff Home Mortgage underwriter, sellers and agents will both know the transaction will close on time! Get in touch with a Ruoff Home Loan Adviser or simply click on the link above and apply online today. It is fast and easy and you will soon know why Ruoff is a great name to know when you need a mortgage.
Loans That End in "A"
Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.
FHA Mortgage Insurance
Take Advantage of a Government-Insured Loan That Is Always a Safe Bet in an Ever-Changing World
FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) insures the loan, so Ruoff Home Mortgage can offer you a better deal. It is because of that insurance that FHA loans can offer attractive interest rates and with less stringent and more flexible qualification requirements. FHA loans may be used to purchase or refinance a new or existing 1-4 unit family home or condominium unit.
Highlights of the FHA Loan
Down payment of just 3.5%. That money can come from a family member, employer or charitable organization as a gift. Other loan programs do not typically allow this. Low credit score requirement and flexible qualifying guidelines. No income limit on borrowers. 15 or 30-year term with competitive rates. Non-occupant co-borrowers can be used to help qualify.
FHA Eligibility Criteria
Must occupy the property as your primary residence. Maximum loan amount limits that vary by region/city. A borrower is limited to one FHA loan at a time. Must meet the minimum credit score requirement. Must have sufficient income to qualify.
The FHA 203(k) Program
Interested in purchasing a foreclosed property, but don't have the extra cash needed for necessary repairs? The FHA 203(k) loan product is the perfect solution. The FHA 203(k) is a special loan product for borrowers who need extra cash to make repairs to their homes. The chief advantage of this type of loan is that the loan amount is not based on the current appraised value of the home, but on the projected value after the repairs are completed. A "streamlined" 203(k) allows you to finance up to $35,000 in nonstructural repairs, such as painting and replacing cabinets or fixtures. The 203(k) loan can be used to repair a home you're planning to purchase or to make upgrades to your current home.
For more information on FHA mortgage insurance and other FHA loan programs:
visit the HUD web site: Let FHA Loans Help You or call the HUD Counseling and Referral Line at 1-800-217-6970.
If are looking for answers to specific questions regarding the FHA loan program, we encourage you to visit the FHA Resource Center at:
By Proudly Serving Your Country, You've Earned the Benefit of a VA Loan
VA loans provide fixed, competitive rates with 15 or 30-year terms. Qualification is easier, even if you have had some credit blemishes in your past. Unlike other loans, you can refinance up to 100% of the value of your home or purchase with no down payment, and there's never a monthly insurance (PMI) charge with VA loan.
Are you a veteran, member of the military, or a surviving spouse of a veteran? Do you want fast approval and minimal red tape? Are you Interested in a fixed-rate mortgage?
A yes answer to all three of the above questions suggests that a VA Loan might very well be the right loan for you. Contact a Ruoff Home Mortgage advisor today and discuss the advantages of this exclusive loan product.
VA Loan Highlights
Purchase with no money down. Refinance up to 100% of your primary home's value. The Seller can pay 100% of the closing costs on a purchase. VA Streamline Refinance with a reduced funding fee and flexible documentation requirements - available for veterans currently in VA loans. No monthly PMI (Private Mortgage Insurance). VA loans are governed by the U.S. Department of Veterans Affairs.
Eligibility Criteria for VA Loans
Must occupy the property as your primary residence. Must be eligible for a new mortgage with VA. Must meet minimum credit score requirement. Must have sufficient income to qualify.
For answers to more of your questions, please visit the U.S. Department of Veteran Affairs FAQ at:
A Great Way to Buy a Home in a Small Community or Rural Area
Are you ready to own a home but are not sure you will qualify due to lack of a down-payment? Rural Development may be able to help you! USDA Rural Development has partnered with Ruoff Home mortgage to help extend 100% financing opportunities to individuals and families.
Highlights of the USDA Rural Development Authority Loan
No Down payment is required. Flexible credit score and qualifying guidelines. No maximum purchase price limit. Closing costs can come from any source including gifts. Repairs and improvements can be included in the loan. 30-year term with competitive rates. No monthly mortgage insurance - you may qualify for a larger loan.
USDA Eligibility Criteria
Must occupy the property as your primary residence. Do not own another home within 50 miles. Have an adjusted household income that is within Rural Development guidelines based on the number of persons who will occupy the home. Purchase a residential property that is located in a Rural Development eligible area.
The Rural Development guaranteed loan program has assisted thousands of customers just like you. Tell your Ruoff Home Mortgage Advisor you want the USDA Rural Development Guaranteed Housing Loan. Assistance options, such as gift funds, grants, seller concessions are allowed and you do not have to be a first-time homebuyer.
One time Close, New Construction Program
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.
One-Time Close Construction Loan Program
If you are ready to start building the home of your dreams, Ruoff Home Mortgage has the perfect construction loan program, allowing you to lock your interest rate before you even break ground.
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing, utilizing a one-time approval and closing process prior to the beginning of construction.
To protect you from market shifts during the construction phase, your interest rate is locked at application. However, you will be given the opportunity to review and possibly lower your interest rate if the market has improved by the time your home is complete.
You can also take comfort in knowing that our in-house New Construction Department works closely with area builders and has a simple draw procedure to ensure that your project budget remains on track as your dream home becomes reality. We also offer the flexibility of a six-month or nine-month construction loan term with interest-only payments during the construction period.
Let Ruoff Home Mortgage help construct the perfect financing option for your new home.
Interest rate locked before ground-breaking
Float down interest rate available when house in complete
FInance options on both purchase of the land and new home construction
Down payments as low as 5%
One approval process and one set of closing costs
6- or 9-month loan term (interest-only payments during construction period)
Fixed rate permanent financing terms from 10 to 30 years.
Loan amounts up to $417k.
Ohio Housing Finance Agency (OFHA) Programs
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, OHFA has a mortgage product to meet your needs.
Your dream home is waiting!
Ruoff Home Mortgage works with the Ohio Housing Finance Agency (OHFA) to provide you with a variety of homebuyer incentives.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, OHFA has a mortgage product to meet your needs.
Next Home program provides 30-year, fixed rate mortgages to those who are not first-time homebuyers, but lack the down payment funds to purchase a new home.
Grants for Grads program rewards Ohio residents, who have earned their degree, with a discounted mortgage interest rate.
First-Time Homebuyer programs offer several affordable loan options to help homebuyers (that have not owned a home in the past three years) achieve their dream of homeownership
Ohio Heroes programs rewards Ohio residents, who serve the public, with a discounted mortgage interest rate.
Mortgage Tax Credit program provides housing assistance by issuing a federal tax credit to first-time homebuyers and other qualifying borrowers.
With over 30 years of experience, Ruoff Home Mortgage makes the process of securing a mortgage simple and straightforward – with no hidden costs and no surprises.
Let me use my experience to help you find the loan program that best meets your needs.
Lori was available for all questions and was flexible to meet our scheduling needs.
We would have no problems with recommending Lori as a real estate professional. Her communication skills are excellent. She follows through on information that was needed and information that was received. We feel she is hone
Great lender and super easy to work with. She was able to help me close a day before scheduled, which really helped a lot. Thanks!
Lori was easy to get a hold of at ALL times, very accommodating, flexible, and pleasant. She made us aware of all of our lending options in plain speak, and her experience shines through in everything she does. I'd recommende
The entire process was very organized and simple. The communications from Lori were clear and concise. I completely understood the status of my transaction at every moment.
Lori was nice and patient and very hands on. Great for first time home buyers!
Fantastic communication, extremely timely response to all inquiries, and we closed quickly. Lori and her staff were always welcoming and helpful. I am impressed with her business ethic and skill.
This was only the 2nd house we purchased and I avoided it in the past because of the process and time it consumed. Lori and the Concord Mortgage team made it so easy for my family and I!!! Everything was prepared and communic
Lori is very personal and easy to talk to. She was always available and able to properly answer any questions. Great Job Lori! Thank You!
I knew very little about the loan process, let alone how to sign things on line. She meet with me at least three times just to show me how to complete the requested info on my iPhone. She is great. I will never use anyone else.
We had a wonderful experience from start to finish. The loan closed in less than a month, which was great! We would definitely use again and highly recommend. Thanks so much, Lori!
We would have no problems with recommending Lori as real estate professional. Her communication skills are excellent. She follows through on and information that was needed and information that was received.
We were walked through the entire process from start to finish. Things moved quickly and we were always kept informed of what was going on and where we were at. Lori was extremely flexible in both meeting with us, and answering our questions.
Lori and her team were absolutely wonderful to work with! We looked at other companies and nothing came close to the rates and service that she gave us. Communication on the steps and keeping us updated was wonderful! Thank you.
Lori was extremely helpful with our home buying experience. We were in a situation where we had to close on the house a lot faster than normal, and Lori worked fast, responded quickly every time we needed her, and was great at explaining the entire home buying process.
Testimonials Where do I even begin? Lori was always available for questions, whether it was 6:30 AM or 9 PM. Very friendly and extremely knowledgeable but also very honest and forthcoming.
Lori is extremely knowledgeable and explains things until you understand them. She went out of her way to make sure we stayed on schedule for closing. She works extremely hard, is very personable, and very professional.
Absolutely wonderful!! Lori worked around my hectic schedule and was prompt with getting the house closed by my contract deadline. I am one happy and lucky homeowner to have worked with such a patient and dedicated lender.
Lori was so nice and easy to talk to. Easy to contact. She got all the answers I need it for the loan. She got all paper work ready before closing date. She was just a blessing to me for buying my first house.
The attention that our situation received was very good. If a friend was trying to buy a home we'll recommend Ms. Fetter no question.
Lori and her team are professional, personable, communicative....fantastic!!
Lori handles each client with with a high level of personal care. She gets the job done in a highly efficient and timely manor. I am confident directing clients to Lori knowing she will work tirelessly from start to closing.
Awesome communication as always!
Lori was beyond helpful during this experience. As a first time home buyer I was clueless and she answered every one of my questions and made me feel like I was her number one priority. Will definitely recommend her to anyone!
As first time home buyer, I didn’t know what to do or to ask, but Lori walked me through and explained everything that I needed to know. Lori knew exactly how to deal with everything, because I didn’t notice any problems throughout my loan process. Thank you again and again Lori.
Lori stayed on top of making things move quickly. She restored my faith in my dream of having my home, when after dealing with a different lender first, I thought everything was not going to work out. She is very friendly and makes you feel comfortable.
Lori was always available for questions and supported me throughout the entire process. Lori was incredible!
Lori was perfect! Reliable, motivated, efficient and effective, and personable! She kept us informed on the progress of our loan and we never had questions because she was ahead of the loan process, thus including the answers in the emails or phone calls. Thanks, Lori! Choose Ruoff.
Lori was very attentive and very helpful. Very personable as well. She helped me every step of the way. Lori went above and beyond.
I heard horror stories about what the bank asks for after the initial paperwork is submitted, but Lori had me get a couple extra documents upfront and we didn't have to submit anything else! Lori was fantastic and extremely knowledgable! Lori was honestly perfect!
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