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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!

Please complete all fields.

Your next step is to complete a full application.

Thank you for
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.
Get Started Picture of Melissa Stone
Picture of Melissa Stone

Hi, I'm Melissa!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Hi, I'm Melissa!

Senior Loan Officer

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

99.00% 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.
Get Started

What is your goal?

Buy a Home

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


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

  • Melissa was on top of everything from day one. She always answered any questions I had at any time even after normal hours. She made sure I was up to date on everything going on and made sure I understood what was going on. I would recommend Melissa Stone and Ruoff to anyone looking to buy a home.

    David Y, happy client
  • Everyone we dealt with was really kind! Melissa was a huge help and stuck with us on everything!! We really liked working with her.

    Julie A, happy client
  • Very friendly, informative, made the process effortless for us. Took time to explain things to us. All and any questions were welcomed. Very good experience.

    Ashley E, happy client
  • Melissa was super easy to work with. She explained everything to us no surprises at closing. Melissa definitely knows her job and made us feel very comfortable.

    Linda M, happy client
  • Melissa was the best to communicate with. She reassured all my questions and concerns and kept me up to date. She made the process of buying a home very simple. Her communication throughout was top notch!

    Bonnie M, happy client
  • Melissa was amazing. She put up with all of my paranoia and questions. Could not have been happier, and will recommend Melissa to everyone.

    Travis N, happy client
  • Melissa was fantastic to work with. She walked us through every hurdle we in countered and was thorough from start to finish.

    Matthew C, happy client
  • Melissa was very helpful and made the process quick and easy. She answered any and all questions very promptly and had great referrals.

    Stephanie H, happy client
  • Melissa was amazing. She even worked on my mortgage application while she was on vacation. She was honest and worked with us. Couldn't be happier about getting her as our loan officer!

    Justin H, happy client
  • Melissa is extremely knowledgeable and professional, and also very personable. It was our extreme pleasure to work with her!

    Deborah C, happy client
  • Melissa Stone did a fast and fantastic job getting every thing done on time First time home buyer and I'm really pleased with how well the whole process was

    Robert M, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


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 (574) 527-7572 or message me below!

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