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Melissa Stone

Senior Loan Officer

NMLS: 591389

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Melissa

98.81%

Customer Satisfaction Score.

Scotsman Guide AwardRuoff Experience Award Winner Award

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Emily H.

Winona Lake, IN, Sep 23, 2024, 3:37 PM

5.0

Melissa Stone made our experience as first time buyers as smooth as possible. Being a young family and buying out of state, a lot of this was foreign to us but Melissa walked us through the process and answered all the questions we had. She made it clear to us that she was there for us when we needed her - she was only a text or phone call away and told us not to hesitate to ask any questions! She’s been nothing but supportive and nice to us and we are very thankful to have such an educated and available loan officer! She played a huge part in this milestone for us! Thank you Melissa ♥️

Review 2

Alycia P.

Marion, IN, Aug 19, 2024, 5:11 PM

5.0

This was my first time buying a home, and melissa made the experience so painless for me. She answered every question I came up with even if it sounded crazy in my mind. The best loan officer to work with!!!!!

Review 3

Rachel Anne W.

West Lafayette, IN, Aug 25, 2024, 7:05 PM

5.0

Melissa was always happy to answer any and all questions we had as first time home buyers! She was easy to work with, very knowledgable, and great at communicating what she needed from us and what we should expect!

Review 4

Alyssa Lynn B.

MARION, IN, Aug 11, 2026, 8:04 PM

5.0

Melissa was great. Through every step she was very thorough and kept me updated on everything needing to be done. Melissa went above and beyond to help things go quickly and smooth. I will always be so grateful for all she did for me!

Review 5

Cara S.

Upland, IN, Jul 6, 2026, 8:46 PM

5.0

Working with Melissa was a pleasure and a breeze. We felt from the very beginning she was in our corner and working for us. Her excellent communication, quick responses, and knowledge of the home buying process can't be beat! We would highly recommend her services to anyone buying a home. We did most of our work remotely and Melissa made the process seamless. We had confidence everything was going as it should because of her hard work and stellar communication. We are grateful our realtor recommended her to us.

Review 6

Todd S.

Upland, IN, Jul 6, 2026, 3:21 PM

5.0

Melissa was incredibly responsive and kept the process moving. Even when a hiccup occurred that was outside her control, she was a strong advocate for us and made sure the problem was resolved.

Review 7

Aaron J C.

Fairmount, IN, Jun 21, 2026, 10:03 PM

5.0

I was so unaware of everything in the loan process. I bombarded Melissa with questions and every single time she gave me perfect answers and scenarios to to help me understand. So happy with my first home!!

Review 8

Chad A S.

Gaston, IN, Jun 15, 2026, 3:13 PM

5.0

Melissa was just phenomenal from every standpoint. Great person to work with!

Review 1

Emily H.

Winona Lake, IN, Sep 23, 2024, 3:37 PM

5.0

Melissa Stone made our experience as first time buyers as smooth as possible. Being a young family and buying out of state, a lot of this was foreign to us but Melissa walked us through the process and answered all the questions we had. She made it clear to us that she was there for us when we needed her - she was only a text or phone call away and told us not to hesitate to ask any questions! She’s been nothing but supportive and nice to us and we are very thankful to have such an educated and available loan officer! She played a huge part in this milestone for us! Thank you Melissa ♥️

Review 2

Alycia P.

Marion, IN, Aug 19, 2024, 5:11 PM

5.0

This was my first time buying a home, and melissa made the experience so painless for me. She answered every question I came up with even if it sounded crazy in my mind. The best loan officer to work with!!!!!

Review 3

Rachel Anne W.

West Lafayette, IN, Aug 25, 2024, 7:05 PM

5.0

Melissa was always happy to answer any and all questions we had as first time home buyers! She was easy to work with, very knowledgable, and great at communicating what she needed from us and what we should expect!

Review 4

Alyssa Lynn B.

MARION, IN, Aug 11, 2026, 8:04 PM

5.0

Melissa was great. Through every step she was very thorough and kept me updated on everything needing to be done. Melissa went above and beyond to help things go quickly and smooth. I will always be so grateful for all she did for me!

Review 5

Cara S.

Upland, IN, Jul 6, 2026, 8:46 PM

5.0

Working with Melissa was a pleasure and a breeze. We felt from the very beginning she was in our corner and working for us. Her excellent communication, quick responses, and knowledge of the home buying process can't be beat! We would highly recommend her services to anyone buying a home. We did most of our work remotely and Melissa made the process seamless. We had confidence everything was going as it should because of her hard work and stellar communication. We are grateful our realtor recommended her to us.

Review 6

Todd S.

Upland, IN, Jul 6, 2026, 3:21 PM

5.0

Melissa was incredibly responsive and kept the process moving. Even when a hiccup occurred that was outside her control, she was a strong advocate for us and made sure the problem was resolved.

Review 7

Aaron J C.

Fairmount, IN, Jun 21, 2026, 10:03 PM

5.0

I was so unaware of everything in the loan process. I bombarded Melissa with questions and every single time she gave me perfect answers and scenarios to to help me understand. So happy with my first home!!

Review 8

Chad A S.

Gaston, IN, Jun 15, 2026, 3:13 PM

5.0

Melissa was just phenomenal from every standpoint. Great person to work with!

Review 9

Allie N F.

Gas City, IN, May 18, 2026, 8:10 PM

5.0

My loan officer was very down to earth! She was the biggest help and supported me entirely through the process and is very thorough!

Review 10

Craig W M.

Upland, IN, May 12, 2026, 3:57 PM

5.0

Great service

Review 11

Paul David S.

Fairmount, IN, May 10, 2026, 11:00 PM

5.0

Listened to my needed,and explained everything to where I could understand everything. I was looking at another lender at first and was not understand the process,they blew me off like I should know what to do,so I immediately applied with you and right from the first sentence.I was impressed and stayed with her. Thank you she was a blessing.

Review 12

Charmelita W.

Marion, IN, Mar 16, 2026, 7:06 PM

5.0

Kept me informed of everything.

Review 13

Christopher M.

Upland, IN, Feb 4, 2026, 4:13 PM

5.0

I love how flexible you were with meeting with us. I know my schedule is very demanding and despite the weather I feel like you went above and beyond what was required to accommodate my needs.

Review 14

Elijah David M.

Marion, IN, Jan 1, 2026, 4:23 PM

5.0

Clear fast communication.

Review 15

Lauren V.

Sweetser, IN, Dec 26, 2025, 3:41 AM

5.0

Melissa did a great job helping us along the way! Highly recommend her to anyone looking for a home!

Review 16

Madison L R.

Marion, IN, Nov 6, 2025, 2:18 AM

5.0

Melissa made the whole process extremely easy and was always there to answer any questions we had!

Review 9

Allie N F.

Gas City, IN, May 18, 2026, 8:10 PM

5.0

My loan officer was very down to earth! She was the biggest help and supported me entirely through the process and is very thorough!

Review 10

Craig W M.

Upland, IN, May 12, 2026, 3:57 PM

5.0

Great service

Review 11

Paul David S.

Fairmount, IN, May 10, 2026, 11:00 PM

5.0

Listened to my needed,and explained everything to where I could understand everything. I was looking at another lender at first and was not understand the process,they blew me off like I should know what to do,so I immediately applied with you and right from the first sentence.I was impressed and stayed with her. Thank you she was a blessing.

Review 12

Charmelita W.

Marion, IN, Mar 16, 2026, 7:06 PM

5.0

Kept me informed of everything.

Review 13

Christopher M.

Upland, IN, Feb 4, 2026, 4:13 PM

5.0

I love how flexible you were with meeting with us. I know my schedule is very demanding and despite the weather I feel like you went above and beyond what was required to accommodate my needs.

Review 14

Elijah David M.

Marion, IN, Jan 1, 2026, 4:23 PM

5.0

Clear fast communication.

Review 15

Lauren V.

Sweetser, IN, Dec 26, 2025, 3:41 AM

5.0

Melissa did a great job helping us along the way! Highly recommend her to anyone looking for a home!

Review 16

Madison L R.

Marion, IN, Nov 6, 2025, 2:18 AM

5.0

Melissa made the whole process extremely easy and was always there to answer any questions we had!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Melissa Stone

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Indiana

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.