Rebecca Fitzwater

Hi. I’m Rebecca, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership.

Available after hours & weekends: call 317.903.7605 or email

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


My career in the financial industry started 23 years ago when I was a college student working part-time for a local mortgage broker. Since that time I have been fortunate to gain experience in all facets of mortgage lending, including closing, processing, warehousing, management and for the last 15 years, originating. Whether you are buying your first home or building your ultimate dream home, you can be assured that I have the experience and knowledge to find the best program tailored to your lifestyle and needs.

I chose to work with Ruoff Home Mortgage because of the company philosophy and small town values. It's a joy to be part of a group of professionals that share my strong dedication to superior service, and I love being able to offer this collective commitment and expertise to my customers.

My customers are the best part of my job, and I truly enjoy forming personal and professional relationships that last a lifetime. I want to be your go to person for all mortgage-related questions, and be the one you turn to for your home financing needs. It's my pleasure to provide the premium level of customer service and one-on-one attention that you deserve. The greatest compliment that I can receive is a friend, family or co-worker referral.

My husband, Scott, and I have 3 children. They keep me busy, but I still find time to enjoy gardening, exercising and volunteering. I am a member of the Greater Indianapolis Mortgage Bankers Association, Builder's Association of Greater Indianapolis, and the Metropolitan Indianapolis Board of Realtors.

My experience...

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.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Client Testimonials

Fast Approval

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