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Picture of Matthew Harding
Picture of Matthew Harding

Hi, I'm Matthew!

Senior Loan Officer

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

93.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Matthew!

Senior Loan Officer

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

93.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

As a Senior Loan Officer with Ruoff Mortgage, I assist borrowers with the mortgage process to secure the right loan to meet their needs. I've been in the mortgage industry for over 20 years, and helping borrowers obtain homeownership is the best part of my job.

Family and friends are very important to me. I get great enjoyment out of helping people, problem-solving, and providing a shoulder to lean on in difficult times. 

In my spare time, I like to get involved with my kids' school activities. I also like watching IU sports, playing golf, and spending time with family and friends. I am a member of the Bloomington and Ellettsville Chambers of Commerce.

At Ruoff, the support, technology, flexibility, and loan options make it possible for me to walk my borrowers through the entire process. The best advice I can give these borrowers is to partner with a loan officer they can trust, who will explain the various loan programs as well as the mortgage process in general.

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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

  • Review 1

    Source of Rating Icon

    Matt was friendly and patient with us. He understood very clearly how we were starting with a HELOC that we were paying off and replacing with a mortgage. He was able to offer excellent advice as we went through this process.

    Herbert Abraham F.

    Bloomington, IN, February 25th, 2024 03:14 PM

  • Review 2

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    Matt was extremely knowledgeable and helpful throughout the entire process.

    Mei-Yung A.

    Bloomington, IN, February 29th, 2024 06:56 PM

  • Review 3

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    Matt is so thorough and hard working. Very easy to work with and I would recommend him to anyone.

    Bridgett V D.

    Bloomington, IN, October 27th, 2023 11:35 AM

  • Review 4

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    ..........

    Nikolas Derek D.

    Bloomington, IN, June 6th, 2024 01:38 PM

  • Review 5

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    Matt is the best in the business

    Ryan W M.

    Bloomington, IN, July 28th, 2023 09:50 PM

  • Review 6

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    Communication was excellent!

    Amanda D S.

    Ellettsville, IN, August 29th, 2023 11:43 AM

  • Review 7

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    Great experience all around

    Brooks M S.

    Ellettsville, IN, September 1st, 2023 11:03 AM

  • Review 8

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    Matt was great to work with!

    Alicia M. M.

    Bloomington, IN, November 24th, 2023 11:03 AM

  • Review 9

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    Easy to work with, great communication

    Robert W. M.

    Bloomington, IN, November 24th, 2023 11:13 AM

  • Review 10

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    Matt went above and beyond my expectations and was great at meeting our specific needs.

    Mason W.

    Bloomington, IN, May 9th, 2024 07:53 AM

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Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS #141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

** The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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.

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I would love to hear from you!

Call me at 812.320.8209 or message me below!

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