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Nino Arapi

VP | Branch Manager

NMLS: 2227209 | KY: MC910030

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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Nino

95.06%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana, Kentucky

Nino Arapi

A Bit About Me

Nino Arapi is a service-focused mortgage loan officer helping homebuyers and homeowners across Indiana and Kentucky navigate the mortgage process with clarity and confidence. Known for thorough pre-approvals, clear communication, and high availability, Nino's mission is simple: make financing your home straightforward, strategic, and stress-free.

He works with all major loan types—conventional, FHA, VA, and USDA—serving first-time buyers, move-up buyers, refinances, and investors. His background in marketing and business development gives him a unique edge: clear communication, proactive guidance, and a smooth experience from first conversation to closing day.

Graduate of Southport High School

Bachelor of Science in Exercise Science from Manchester University

Competed as a collegiate soccer player

Previously a marketer and business developer for a physical therapy company

Resides in Southern Indiana with his family

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.

Meet our happy homeowners***

View All Testimonials

Prince M.

Louisville, KY, Jul 20, 2026, 3:55 AM

Good communication

Daniel B.

Fishers, IN, Mar 21, 2026, 3:04 PM

The experience was very easy, fast, and communication was amazing.

Damianos M.

Westfield, IN, Mar 25, 2026, 4:51 PM

I wanted to take a moment to highlight the outstanding work of Nino Arapi, my loan officer. From start to finish, he made what can often be a complex and stressful process feel straightforward and manageable. Communication was clear, timelines were met, and every question was answered with patience and expertise. Highly recommend working with Nino if you're looking for a smooth and efficient path to closing.

Nathan S.

Rineyville, KY, Jun 12, 2026, 3:04 PM

Nino was quick to answer any questions I had and made the loan process easy to navigate.

John Jacob J.

Indianapolis, IN, May 23, 2026, 3:47 AM

I would have to say my closing cost was less than I expected

Trevor H.

Lanesville, IN, May 17, 2026, 4:57 PM

Nino and his staff were awesome during the entire process. Would highly recommend!!

Zachary Eli F.

NEW SALISBURY, IN, Apr 3, 2026, 3:13 PM

The quick communication and pre-approval process pretty much guaranteed the purchase of our dream home.

Tiffany Gayle F.

NEW SALISBURY, IN, Apr 3, 2026, 3:10 PM

From start to finish was just about 30 days. The stress was minimal and the process as painless as possible. Nino and Deedee were easy to work and kept us informed throughout the entire process. This was my first home purchase and if I ever do it again, Nino is who I'll use everytime.

Prince M.

Louisville, KY, Jul 20, 2026, 3:55 AM

Good communication

Daniel B.

Fishers, IN, Mar 21, 2026, 3:04 PM

The experience was very easy, fast, and communication was amazing.

Damianos M.

Westfield, IN, Mar 25, 2026, 4:51 PM

I wanted to take a moment to highlight the outstanding work of Nino Arapi, my loan officer. From start to finish, he made what can often be a complex and stressful process feel straightforward and manageable. Communication was clear, timelines were met, and every question was answered with patience and expertise. Highly recommend working with Nino if you're looking for a smooth and efficient path to closing.

Nathan S.

Rineyville, KY, Jun 12, 2026, 3:04 PM

Nino was quick to answer any questions I had and made the loan process easy to navigate.

John Jacob J.

Indianapolis, IN, May 23, 2026, 3:47 AM

I would have to say my closing cost was less than I expected

Trevor H.

Lanesville, IN, May 17, 2026, 4:57 PM

Nino and his staff were awesome during the entire process. Would highly recommend!!

Zachary Eli F.

NEW SALISBURY, IN, Apr 3, 2026, 3:13 PM

The quick communication and pre-approval process pretty much guaranteed the purchase of our dream home.

Tiffany Gayle F.

NEW SALISBURY, IN, Apr 3, 2026, 3:10 PM

From start to finish was just about 30 days. The stress was minimal and the process as painless as possible. Nino and Deedee were easy to work and kept us informed throughout the entire process. This was my first home purchase and if I ever do it again, Nino is who I'll use everytime.

HomeNow

Down Payment Assistance

Our most inclusive down payment assistance program!

This unique program offers 100% financing* for qualified FHA borrowers, plus up to 5% down payment assistance, and closing cost options!

*Restrictions apply. See website for details. The Ruoff Mortgage HomeNow™ Down Payment Assistance program is currently available in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, and Ohio. Please check with your loan officer for more information regarding state availability.

Calculate Based on Your Individual Needs


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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

Apply Now

Loans Designed to Meet Your Individual Needs

Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.

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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, Kentucky

My Operating Hours

Mon: 8:00 AM - 8:00 PM

Tue: 8:00 AM - 8:00 PM

Wed: 8:00 AM - 8:00 PM

Thu: 8:00 AM - 8:00 PM

Fri: 8:00 AM - 8:00 PM

Sat: 8:00 AM - 8:00 PM

Sun: 8:00 AM - 8:00 PM

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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.