Ruoff Mortgage
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Mike Ruiz

Senior Loan Officer

NMLS: 196258 | OH: MLO.052144.001

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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Mike

96.2%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana, Ohio

Meet our happy homeowners***

View All Testimonials

Wyatt W T.

NEW HAVEN, IN, Jul 22, 2026, 1:22 PM

Mike is a very attention to detail and oriented person. This process has been nothing but smooth and flawless with his oversight. As a first time home owner I had nothing but complete comfort knowing that everything was rolling forward with all questions answered. He is very understanding and validates all feelings towards Lauren and I . Thank you having Mike work with us throughout this experience. In addition, I want to also reflect all Mike qualities and work ethic towards Pam Zent as well. She spearheaded the remaining portion of the closing of the home and finalizing all documentation. She works with speed and grace, two skills that are amazing to have.

Alexis M.

New Haven, IN, May 25, 2026, 3:11 PM

Mike was very quick to respond to all my questions. Being a first time homeowner I had 0 idea what I was doing. Mike explained things to me in simple terms and made me feel comfortable enough to ask all the questions so I could feel confident in what I was signing and the decision I was making. Mike and his assistant Pam truly made this experience so smooth. Mike and Pam - we appreciate you both so much, thank you for helping make Colton and I's dream come true!

David A.

New Haven, IN, Apr 24, 2026, 6:50 PM

Mike was good loan officer. he kept me up to date and no issues throughout the loan process.

Bidelson P.

Fort Wayne, IN, Mar 3, 2026, 5:00 PM

Working this shift makes communication with those on a regular work schedule but the team did a great job working around it and kept me informed all the way through.

Wyatt W T.

NEW HAVEN, IN, Jul 22, 2026, 1:22 PM

Mike is a very attention to detail and oriented person. This process has been nothing but smooth and flawless with his oversight. As a first time home owner I had nothing but complete comfort knowing that everything was rolling forward with all questions answered. He is very understanding and validates all feelings towards Lauren and I . Thank you having Mike work with us throughout this experience. In addition, I want to also reflect all Mike qualities and work ethic towards Pam Zent as well. She spearheaded the remaining portion of the closing of the home and finalizing all documentation. She works with speed and grace, two skills that are amazing to have.

Alexis M.

New Haven, IN, May 25, 2026, 3:11 PM

Mike was very quick to respond to all my questions. Being a first time homeowner I had 0 idea what I was doing. Mike explained things to me in simple terms and made me feel comfortable enough to ask all the questions so I could feel confident in what I was signing and the decision I was making. Mike and his assistant Pam truly made this experience so smooth. Mike and Pam - we appreciate you both so much, thank you for helping make Colton and I's dream come true!

David A.

New Haven, IN, Apr 24, 2026, 6:50 PM

Mike was good loan officer. he kept me up to date and no issues throughout the loan process.

Bidelson P.

Fort Wayne, IN, Mar 3, 2026, 5:00 PM

Working this shift makes communication with those on a regular work schedule but the team did a great job working around it and kept me informed all the way through.

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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Mike Ruiz

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

Top Mortgage Lenders

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

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, Ohio

Mike Ruiz

Senior Loan Officer

NMLS: 196258

OH: MLO.052144.001

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.

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******††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.