Welcome to the Ruoff Home Mortgage Preferred Program

As an employee of Napa, you join an elite group of homeowners who are eligible to take advantage of the exclusive employee benefits offered by the Ruoff Home Mortgage Preferred program, including a


. Whether you are in the market to purchase a home, or ready to refinance your existing home, our primary focus is taking exceptional care of you.

If you're ready, we're ready. Let's get started!

Financing your home loan through Ruoff Home Mortgage saves you time and money. Coupled with our speed and precision, you’ll also enjoy these exclusive benefits:
  • Reduced closing costs in the form of a $750 credit when you close
  • When buying a new home, get an additional closing cost credit (.5% of your purchase price) through use of HomeBird's Preferred Agent Program
  • You'll be teamed up with a dedicated loan specialist who will handle your mortgage loan from start to finish
  • Fast, easy and stress-free application process with an approval decision in minutes (not days!)
  • Loan milestone updates with real-time status notifications
  • Best-in-class service
View program eligibility
Ruoff Home Mortgage is a leader in the mortgage lending industry. We've been making the dream of home ownership a reality since 1984. Thanks to a joint partnership between Napa and Ruoff Home Mortgage, you are eligible to take advantage of an exclusive employee benefit. When you close your home mortgage loan with us, you'll join our very large family of happy homebuyers. In fact, we have a 98.6% customer satisfaction rating with our customers. Our own in-house processing, underwriting and closing departments help expedite the entire process while providing exceptional service. We have a variety of loan programs to fit your needs.
We realize this could be an anxious time for you. Relax. We let you know the current status of your loan and what is coming next, from the minute your file is approved to when your funds have been transferred ahead of the closing. Our goal is to ensure your loan application goes smoothly.
If at any point during your loan process you have questions, or prior to filling out the online application, we have a dedicated staff of home loan specialists to handle employee home loans. Email us at preferred@ruoff.com.
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With the help of Loan Butler, our innovative online application, we make the process of applying for a mortgage quick, convenient, and secure!