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 Michelle Fry
Picture of Michelle Fry

Hi, I'm Michelle!

Senior Loan Officer

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

98.73% Customer Satisfaction Rating

Hi, I'm Michelle!

Senior Loan Officer

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

98.73% 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

  • Michelle made us feel comfortable throughout the whole process. She was very attentive to all of our needs and she responded day or night to emails and phone calls. Michelle took the stress out of the loan process and made sure everything went smoothly for us at every step.

    Claudia M, happy client
  • Michelle took good care of us.

    Karen L, happy client
  • As a first-time home buyer, working with Michelle was great. She took the time to answer any questions I had and made sure I was comfortable throughout the entire process. She was always quick to respond and make sure everything was ready on time.

    Ariana F, happy client
  • Michelle and Mary provided constant communication. I felt like we always knew where we were in the process and had quick answers to our questions.

    Paul D, happy client
  • Michelle gave fast responses to all of my questions.

    Gerald R, happy client
  • The way Michelle communicated with us and kept us on the loop was great.

    Braudelina L, happy client
  • Michelle worked well with my agent to get all that was needed in a timely manner. My first time dealing with electronic signatures, etc. and that also went well.

    Barbara F, happy client
  • Michelle was very good at explaining things to me because I had a lot of questions. Also, the milestones helped keep us up to date with where we were in the process.

    Cole S, happy client
  • Michelle was spot on very pleased with the way she took care of us.

    Tonie T, happy client
  • The dollar amount on the closing was to the penny what Michelle had estimated.

    Ada B, happy client
  • Michelle was very detailed oriented and thorough.

    Trisha N, happy client
  • Michelle and Mary were knowledgeable, patient, and transparent. Over a one year period, we touched base several times until a mortgage was selected. I am very appreciative of the services received.

    Shari W, 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 (614) 402-1159 or message me below!

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