When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Nick Boucher | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Mason M G.

Fort Wayne, IN, Aug 29, 2023, 5:48 PM

5.0

Nick was amazing, made the scary complicated process seem not so scary and complicated, and answered any and every question I had being new to this and a first time homebuyer.

Shelby M G.

Huntertown, IN, Oct 6, 2023, 7:08 PM

5.0

Nick went above and beyond during our lending journey. He always made time to answer our questions and submitted all of our paperwork so quickly. It’s so comforting working with someone who knows what type of hurdles we may encounter and can navigate us in the right direction.

Jose A C.

Fort Wayne, IN, Oct 9, 2023, 3:08 PM

5.0

The level of availability was splendid, I had peace of mind that if I needed anything I could get the answers to any questions and resolve issues quickly. The steps and process was clear a fluid.

Kyaw Doh H.

Fort Wayne, IN, Oct 27, 2026, 4:40 PM

5.0

Nick was awesome to work with!

Amanda Ann H.

Fort Wayne, IN, Oct 27, 2026, 3:16 PM

5.0

made everything easy and straightforward, good communication!

Nung S.

New Haven, IN, Oct 26, 2026, 9:26 PM

5.0

Everything Excellent.

Gabrielle H.

Fort Wayne, IN, Oct 16, 2026, 8:14 PM

5.0

Nick waa personable and knowledgeable about loan process. He was quick to respond about questions and helped make buying a home a smooth experience!

Jordan M.

Kendallville, IN, Oct 20, 2026, 11:26 AM

5.0

I appreciated Nick texting in a groupchat with my wife and I . It enabled quick communication and kept us both in the loop. He was also very availible on weekends. The loan butler is a very good tool and is very clear and straightforward.

Mason M G.

Fort Wayne, IN, Aug 29, 2023, 5:48 PM

5.0

Nick was amazing, made the scary complicated process seem not so scary and complicated, and answered any and every question I had being new to this and a first time homebuyer.

Shelby M G.

Huntertown, IN, Oct 6, 2023, 7:08 PM

5.0

Nick went above and beyond during our lending journey. He always made time to answer our questions and submitted all of our paperwork so quickly. It’s so comforting working with someone who knows what type of hurdles we may encounter and can navigate us in the right direction.

Jose A C.

Fort Wayne, IN, Oct 9, 2023, 3:08 PM

5.0

The level of availability was splendid, I had peace of mind that if I needed anything I could get the answers to any questions and resolve issues quickly. The steps and process was clear a fluid.

Kyaw Doh H.

Fort Wayne, IN, Oct 27, 2026, 4:40 PM

5.0

Nick was awesome to work with!

Amanda Ann H.

Fort Wayne, IN, Oct 27, 2026, 3:16 PM

5.0

made everything easy and straightforward, good communication!

Nung S.

New Haven, IN, Oct 26, 2026, 9:26 PM

5.0

Everything Excellent.

Gabrielle H.

Fort Wayne, IN, Oct 16, 2026, 8:14 PM

5.0

Nick waa personable and knowledgeable about loan process. He was quick to respond about questions and helped make buying a home a smooth experience!

Jordan M.

Kendallville, IN, Oct 20, 2026, 11:26 AM

5.0

I appreciated Nick texting in a groupchat with my wife and I . It enabled quick communication and kept us both in the loop. He was also very availible on weekends. The loan butler is a very good tool and is very clear and straightforward.

Zachary A F.

Fort Wayne, IN, Oct 19, 2026, 9:08 PM

5.0

Great communcation and creativity

Jonathan William S.

Fort Wayne, IN, Oct 19, 2026, 9:00 PM

5.0

From Start to finish, Nick was always helpful and knowledgeabl, I am would recommend him to anyone looking to buy a home

Timothy S. W.

Fort Wayne, IN, Sep 30, 2026, 1:43 PM

5.0

This is the second time Nick helped us with the purchase of a home. Nick has been very professional and extremely helpful with each step of the home buying process. Nick is truly a joy to work with. Thanks, Nick! Go Komets!!

Kassie W.

Fort Wayne, IN, Oct 2, 2026, 3:13 PM

5.0

Everything

MicKenzie R S.

Fort Wayne, IN, Sep 29, 2026, 6:21 PM

5.0

Nick was able to make the loan process seamless and easy! We were able to close earlier than expected and everything was explained clearly. 10/10 experience!

David L A.

Fort Wayne, IN, Oct 4, 2026, 6:14 PM

5.0

Nic is a top of the line loan officer. Best seen to date!

Devin T S.

Fort Wayne, IN, Oct 1, 2026, 6:32 PM

5.0

Nick was very helpful and very responsive to all of our questions and was very personable and easy to get along with

Martin J D.

Fort Wayne, IN, Sep 12, 2026, 8:01 PM

5.0

Nick was always available, continuously stayed positive through the process, and thoroughly answered any questions that we had We would recommend him and his team to anyone

Zachary A F.

Fort Wayne, IN, Oct 19, 2026, 9:08 PM

5.0

Great communcation and creativity

Jonathan William S.

Fort Wayne, IN, Oct 19, 2026, 9:00 PM

5.0

From Start to finish, Nick was always helpful and knowledgeabl, I am would recommend him to anyone looking to buy a home

Timothy S. W.

Fort Wayne, IN, Sep 30, 2026, 1:43 PM

5.0

This is the second time Nick helped us with the purchase of a home. Nick has been very professional and extremely helpful with each step of the home buying process. Nick is truly a joy to work with. Thanks, Nick! Go Komets!!

Kassie W.

Fort Wayne, IN, Oct 2, 2026, 3:13 PM

5.0

Everything

MicKenzie R S.

Fort Wayne, IN, Sep 29, 2026, 6:21 PM

5.0

Nick was able to make the loan process seamless and easy! We were able to close earlier than expected and everything was explained clearly. 10/10 experience!

David L A.

Fort Wayne, IN, Oct 4, 2026, 6:14 PM

5.0

Nic is a top of the line loan officer. Best seen to date!

Devin T S.

Fort Wayne, IN, Oct 1, 2026, 6:32 PM

5.0

Nick was very helpful and very responsive to all of our questions and was very personable and easy to get along with

Martin J D.

Fort Wayne, IN, Sep 12, 2026, 8:01 PM

5.0

Nick was always available, continuously stayed positive through the process, and thoroughly answered any questions that we had We would recommend him and his team to anyone

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Property Tax

/mo.

Homeowners Insurance

/mo.

HOA Fees

/mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

Apply Now

A Bit About Me

I am an experienced mortgage loan officer serving Fort Wayne, Indiana, and Northeast Indiana since 2013.. A member of the Fort Wayne community since 2007, I moved to the area to play professional hockey for the Fort Wayne Komets. I am originally from Western Canada, attended Dartmouth College, earning a degree in psychology, before playing professional hockey in the U.S. and Europe for 10yrs. Today, I help first-time homebuyers, move-up buyers, homeowners refinancing, and investment property buyers navigate the mortgage process. My approach is built on clear communication, personalized guidance, and helping clients make educated, confident, and informed decisions about home financing.

Awards & Achievements

Top Mortgage Lenders

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

Top 500 for Customer Satisfaction

Recognized by Experience.com among the Top 1% of loan officers nationwide for delivering exceptional customer experiences, based on verified client feedback and customer satisfaction results.

President's Club

9x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

My Latest Blogs

Is Buying a Home in Fort Wayne, Indiana During Winter a Good Idea?

Oct 26, 2026

Many buyers ask whether is buying a home in Fort Wayne, Indiana during the colder months makes sense. Winter can bring distinct advantages and a few practical hurdles that deserve a clear look before you decide.

Meet our happy homeowners***

Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

My Latest Blogs

Experience the Ruoff Advantage

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Meet our happy homeowners***

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Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

My Latest Blogs

Experience the Ruoff Advantage

42

15 DAY

98.5%

42

15 DAY

98.5%