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 Lightfoot | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Heidi S.

Bloomington, IN, Jun 2, 2026, 4:23 PM

Systems were very easy to use, but Nick and his team's adapting to my normal communication preferences and ensuring i was on everything was what put the experience over the top.

Jacob Matthew L.

Ellettsville, IN, Apr 28, 2026, 11:40 PM

Nick was amazing to work with start to finish! He was always available to talk with no matter the day or time! I would highly recommend him to anyone who's a first time homeowne!

Rachel Marie C.

Ellettsville, IN, Apr 30, 2026, 5:42 PM

Nick was great to work with! Nick is very knowledgeable, easy to communicate with, and kept us updated throughout the entire process.

Eric C P.

Bloomington, IN, Nov 17, 2025, 12:58 PM

Nick did a great job answering all of our questions and getting us into our dream house! Thanks-Eric

Dennis B M.

Bloomington, IN, Nov 3, 2025, 7:09 PM

Our loan officer, Nick Lightfoot, was a joy to work with. His proactive communication was outstanding. His response time was immediate. Nick was always professional, knowledgeable, and friendly. We couldn't have asked for a better experience.

Brandee S M.

Bloomington, IN, Oct 26, 2025, 12:20 PM

Nick was amazing! I'd recommend him to friends ans family

Heidi S.

Bloomington, IN, Jun 2, 2026, 4:23 PM

Systems were very easy to use, but Nick and his team's adapting to my normal communication preferences and ensuring i was on everything was what put the experience over the top.

Jacob Matthew L.

Ellettsville, IN, Apr 28, 2026, 11:40 PM

Nick was amazing to work with start to finish! He was always available to talk with no matter the day or time! I would highly recommend him to anyone who's a first time homeowne!

Rachel Marie C.

Ellettsville, IN, Apr 30, 2026, 5:42 PM

Nick was great to work with! Nick is very knowledgeable, easy to communicate with, and kept us updated throughout the entire process.

Eric C P.

Bloomington, IN, Nov 17, 2025, 12:58 PM

Nick did a great job answering all of our questions and getting us into our dream house! Thanks-Eric

Dennis B M.

Bloomington, IN, Nov 3, 2025, 7:09 PM

Our loan officer, Nick Lightfoot, was a joy to work with. His proactive communication was outstanding. His response time was immediate. Nick was always professional, knowledgeable, and friendly. We couldn't have asked for a better experience.

Brandee S M.

Bloomington, IN, Oct 26, 2025, 12:20 PM

Nick was amazing! I'd recommend him to friends ans family

Amy O.

Bloomington, IN, Oct 5, 2025, 7:47 PM

Nick personally made sure everything went so smoothly. He quickly responded to questions or concerns and was very knowledgeable

Jamie S.

Bloomington, IN, Aug 27, 2025, 3:28 PM

Nick was amazing in all areas.

Leigh H.

Brazil, IN, Aug 17, 2025, 2:15 PM

Nick Lightfoot is a terrific loan officer. This is the 3rd time we have used him and wont be the last. He was friendly, available, knowlegable, and patient thoughtout the entire process. He even attended our closing! A++

Donald Keith C.

Martinsville, IN, Jul 15, 2025, 3:05 PM

Nick was quick responding, answering questions, and keeping us informed.

Sharla Dawn C.

Martinsville, IN, Jul 12, 2025, 3:16 PM

He was extremely friendly and easy to work with!

Evan M G.

Bedford, IN, Jun 26, 2025, 1:47 PM

Communication

Colleen R S.

Bloomington, IN, Jun 23, 2025, 2:40 PM

Nick was amazing! He answered and or clarified any questions I asked. He made the entire process smooth and stressfree. On top of that, he was pleasant and easy to communicate with thoughout. I couldn't have asked for a better experiance.

Amy O.

Bloomington, IN, Oct 5, 2025, 7:47 PM

Nick personally made sure everything went so smoothly. He quickly responded to questions or concerns and was very knowledgeable

Jamie S.

Bloomington, IN, Aug 27, 2025, 3:28 PM

Nick was amazing in all areas.

Leigh H.

Brazil, IN, Aug 17, 2025, 2:15 PM

Nick Lightfoot is a terrific loan officer. This is the 3rd time we have used him and wont be the last. He was friendly, available, knowlegable, and patient thoughtout the entire process. He even attended our closing! A++

Donald Keith C.

Martinsville, IN, Jul 15, 2025, 3:05 PM

Nick was quick responding, answering questions, and keeping us informed.

Sharla Dawn C.

Martinsville, IN, Jul 12, 2025, 3:16 PM

He was extremely friendly and easy to work with!

Evan M G.

Bedford, IN, Jun 26, 2025, 1:47 PM

Communication

Colleen R S.

Bloomington, IN, Jun 23, 2025, 2:40 PM

Nick was amazing! He answered and or clarified any questions I asked. He made the entire process smooth and stressfree. On top of that, he was pleasant and easy to communicate with thoughout. I couldn't have asked for a better experiance.

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

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

Apply Now

A Bit About Me

I have been a Loan Officer for 5 years, and loves interacting with his customers and removing some of the anxiety and misconceptions that surround homebuying. I love working at Ruoff because of the quality of people that I work with, the efficiency of how we work, and the commitment to supporting one another.

When I'm not originating loans, I enjoy spending time with my kids, golfing, playing guitar and traveling. I also love hockey, and have been a coach for 15 years at youth, high school and collegiate levels. As an IU Alumni, the diversity and interesting people are why I enjoy being part of the Bloomington community.