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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 Michael Bruns
Picture of Michael Bruns

Hi, I'm Michael!

Senior Loan Officer

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

96.80% Customer Satisfaction Rating

Hi, I'm Michael!

Senior Loan Officer

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

96.80% 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

  • Michael was recommended to me by my dad, who used to work with Michael early in his career and who my dad knew was ambitious and worked hard to become very knowledgeable. Michael sent me the occasional text to see where we were in getting our house (over a year-long process) and then supported us all along the way to keep our closing on track. We had to close in very little time and he made it happen without complaint. I could not have been paired with anyone better and will refer him to everyone I know.

    Adrianna , 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
  • Having been through this process with other companies in the past, we had no idea it could be this simple, straightforward, and enjoyable! Can a mortgage process be enjoyable? It totally was and we could not say enough about how great Michael was to work with! There will be no other choice when/if we need to do this process again in the future, and we won't recommend anybody else to friends/family who need a mortgage.

    Levi S, happy client
  • Michael was a fantastic communicator. He replied to questions of mine even on weekends or evenings. The Loan Butler feature is great- you aren’t left wondering where you are as to the status of the loan.

    Christina K, 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
  • If I didn't understand something Michael was very quick to explain any questions I had.

    Joseph M, 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
  • 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

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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