Picture of

What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

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%
Please complete all fields.

Are you working with a loan officer?


Let's connect!

Please complete all fields.

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.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

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.
Picture of Michael Bruns
Picture of Michael Bruns

Hi, I'm Michael!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Hi, I'm Michael!

Senior Loan Officer

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

100.00% 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.

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

  • Honestly, everything just went perfectly! Michael always was great about slowing down and explaining things when necessary, communicated well without being overbearing, understanding of my work schedule, and very upfront about any changes to the details. Ruoff was referred to me by a trusted coworker. I like the website, the application for preapproval was easy, too.

    Stephen B, happy client
  • Michael was great at answering all questions and was available to work with my busy schedule.

    Jake K, happy client
  • Everyone says buying a house is a stressful process but with Michael, it wasn't. He explained everything to us in a way we understood. He made our house buying experience simple.

    John L, happy client
  • Michiel Burns was amazing. He explained every thing well. He always took my calls no matter what the time was. He was great to work with! I love the technology!

    Shannon T, happy client
  • Michael was awesome! Great to work with and made everything extremely easy and able to understand. This is my second time working with Michael, I would highly recommend him. He coordinated both closings on the same day which made it very easy and stress-free process!! Excellent customer service!

    Whitney S, 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 (260) 316-7890 or message me below!

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