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Picture of Pam Townsend
Picture of Pam Townsend

Hi, I'm Pam!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.51% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Pam!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.51% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
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What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you*

  • 5.0
    Rating source icon

    Pam was the most professional mortgage officer that I've ever worked with ever. She's extremely competent, kind, and quickly replies to all questions and emails quickly. She's always available to answer any questions. If I had to do all over again, I'd pick her everytime over any others.

    Misty D B.

    Terre Haute, IN, December 15th, 2023 09:47 AM

  • 5.0
    Rating source icon

    From the very beginning, to the very end, the communication was stellar. Just everything about the entire process was very clear. Our loan officer was very professional and knowledgeable. I’m very pleased and happy that we went with Ruoff instead of a bank.

    Jill E S.

    Freelandville, IN, March 9th, 2024 07:59 PM

  • 5.0
    Rating source icon

    Kept me informed all the way through closing

    philcolgrove

    Terre Haute, IN, July 16th, 2024 05:03 PM

  • 5.0
    Rating source icon

    Pam knows exactly what needs to be done and is very dedicated to her customers. We needed to move abnormally quickly on a house, and she went to bat for us the whole way to ensure we made it into our house right on time. Thanks, Pam!

    Rex O C.

    Terre Haute, IN, July 15th, 2024 05:46 PM

  • 5.0
    Rating source icon

    Very knowledgeable loan officer, and handled personal specific situations throughout and up to the last minute on all sides dealing with a variety of situations that were sometimes literally out of the blue. A really personally responsive worker who thoroughly impresses. Absolutely great job!

    Michael J B.

    Terre Haute, IN, July 14th, 2024 11:09 AM

  • 5.0
    Rating source icon

    Pam made the entire experience painless. She kept me well informed, and she was extremely knowledgeable regarding my mortgage. I thoroughly enjoyed the process. She made everything so easy!

    Pamela S N.

    West Terre Haute, IN, July 4th, 2024 08:12 PM

  • 5.0
    Rating source icon

    Friendly and made the process easy

    Brandon K B.

    Brazil, IN, June 23rd, 2024 03:53 PM

  • 5.0
    Rating source icon

    Pam got back with me promptly

    Bethany B.

    Brazil, IN, June 21st, 2024 12:58 PM

  • 5.0
    Rating source icon

    Pam was always on top of things and made sure we kept our closing date even when we came across some issues.

    Monica A. C.

    Bloomingdale, IN, June 13th, 2024 08:22 AM

  • 5.0
    Rating source icon

    Pam made the loan process easy and she was always there for me when we had questions.

    Lorenz J.

    TERRE HAUTE, IN, June 11th, 2024 12:29 PM

  • 5.0
    Rating source icon

    The whole process was pretty seamless, everything went smooth!

    John F C.

    Terre Haute, IN, June 5th, 2024 03:14 PM

  • 5.0
    Rating source icon

    Pam was able to quickly and efficiently assist us with out mortgage, we really appreciate all her hard work amd dedication!!.

    Beth M K.

    Dennison, IL, June 3rd, 2024 12:22 PM

  • 5.0
    Rating source icon

    Every time I thought I had provided everything, you asked for something else. At one point I was willing to give up my firstborn if that would have gotten this deal closed! Another person also said Ruoff needed more information than other mortgage lenders, but this being my first mortgage, I am not sure if that is true. Aside from that, I had a wonderful experience.

    Laura C.

    February 6th, 2023 09:30 AM

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Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

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I would love to hear from you!

Call me at 812.240.1596 or message me below!

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