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What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?


Let's connect!

Please complete all fields.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

Would you like to continue to complete your full application?

No, thanks.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Contact Us

Our Process

Intuitive, simple, and STRESS-FREE

Mortgage Process

To get you started on the road to homeownership.


Apply Online and Get Pre-Approved

Receive your pre-approval letter quickly so you can find
your next home with the confidence of knowing your
financing budget.


Upload Docs into Ruoff's Mobile App

Ruoff utilizes secure, cutting edge technology to pull
your documents and save you time and energy!


Lock in Your Rate

This will guarantee your rate won't go up during the
process and keep you there until you're clear to close.


Receive Milestone Updates

You and your agent will receive updates on your loan
through every step of the way. Both of you will know
the minute your loan moves ahead in the process.


Review Documents Online

You can review your documents online and securely
e-sign the majority of the forms at your convenience.


Receive a Clear to Close in Days

Thanks to Ruoff's Digital Closing Experience, you'll
only spend about 10 minutes at the closing table
finalizing the purchase of your home.

That's it!

All that's left to do is move in! Ruoff truly makes
the process simple and easy so you can enjoy the
homeownership dream.