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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?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

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reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
Please complete all fields.
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Picture of Mike Bernhart
Picture of Mike Bernhart

Hi, I'm Mike!

VP Branch Manager

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

97.00% Customer Satisfaction Rating

Hi, I'm Mike!

VP Branch Manager

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

97.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

With 20 years in the mortgage industry and the last 14 as a home mortgage consultant, I know that the purchase of a new home is a major decision. I believe it's important to always speak with a mortgage consultant you trust, and I strive to communicate honestly and frequently with my customers. My greatest achievement is graduating magna cum laude from the University of Akron with a Bachelor in Business Finance. I like to spend my free time exercising and boating with my family and puppies.

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President's Club Member

President's club seal 2020

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

  • I'm so happy we were recommended to Mike Bernhart. Buying a house is a big step for any couple, and I can assure you, my hubby and I had a lot of anxiety about the loan process and if we would even be able to get a loan. Enter Mike Bernart. His knowledge and overall happy demeanor eased our anxiety and helped us begin the process with a positive start and finish. He answered all of the questions we had while giving us any additional information we needed. Everything was done in a timely fashion, in the middle of a pandemic! I couldn't have asked for a better loan officer!

    Brandon H, happy client
  • I was amazed at how easy it was to sign necessary documents online and how visible every step of the process was online.

    Michael B, happy client
  • The entire team was professional and the process was transparent and efficient.

    Emily M, happy client
  • Mike was very helpful and knowledgeable. I really appreciated all his help. The only very small thing is that I discovered that he is a night owl, and I am a morning person, so sometimes I had to wait a few hours to get answers. It was never a big problem, though. Mike is pleasant and positive and very encouraging. No complaints! I don't like paperwork and electronic forms, but I could handle them okay. Mike always clarified things when I didn't understand them.

    Jurene B, happy client
  • Everything was very easy going, very quick to get back with answers to our questions.

    Michael M, happy client
  • It was very easy, everyone who was involved was very helpful. I had a few struggles trying to send documents on my end. They walked me through that and was very patient with my struggles. Mike and his team beat the expectations they set.

    Thomas P, happy client
  • The refinancing of our home was done quickly and efficiently. Mike Bernhart was a pleasure to work with. Mike always returned our calls and answered any questions that we had. Stacy Quesenberry did a great job in helping us with all our questions and was always available. We spent 4 months with another lender who was terrible and never completed our financing. Mike and his team got the job done within a month !! And at a better rate. I have given Mike's name to several people to give Ruoff Mortgage a call to compare rates. You have a great team working for you.

    Regina K, happy client
  • I was very satisfied with the whole Mike and his team was very helpful whenever I had questions and explained the entire process.

    Steve P, happy client
  • I have been a customer of Mike's no matter what company he goes to and I always recommend my friends and family. Mike is a great addition to the Ruoff team. He makes this process easy and enjoyable and he always responds to any questions. Excellent teamwork!

    Jennifer H, happy client
  • Mike was great to work with. He kept us well informed throughout the process and we closed before our contract date. Mike and his team were very professional and made our purchase very easy.

    Anthony L, happy client
  • Responsive to email questions. Helped answer questions and explain things simply at my level of understanding.

    Jane C, happy client
  • Mike was a pleasure to work with! Addressed any concerns and was prompt with answers!

    Julie M, happy client
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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 330.760.9609 or message me below!

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