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What is your goal?


When are you
looking to buy?

How is your credit score?

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.

Your next step is to complete a full application.

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

What are your refinance goals?

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.
Picture of Rich Penola
Picture of Rich Penola

Hi, I'm Rich!

VP Branch Manager

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

100.00% Customer Satisfaction Rating

Hi, I'm Rich!

VP Branch Manager

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

100.00% Customer Satisfaction Rating

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.

What is your goal?

Buy a Home

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


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

  • Rich was great to work with and showed particular patience with my hectic schedule. He kept everything moving while keeping me regularly updated throughout the process. Even with my closing on a day I had multiple events scheduled, Rich had everything in place to make certain the paperwork processed as quickly as possible.

    Robert H, happy client
  • The estimated payments that Rich gave me early on were very accurate. It was very helpful when trying to figure out my budget.

    Tommy N, happy client
  • Regular updates and checking in with me was refreshing. I never felt like I was waiting an unreasonable amount of time for anything on Ruoff's end. Rich was very responsive and flexible to what I was needing. He explained all my options clearly and I felt he was on my side in trying to get me the best deal possible.

    Gene G, happy client
  • I was very impressed that Rich and his staff made sure that I took care of all the documents so my closing stayed on schedule. They were very quick to email me when they needed something. I just had an awesome experience with Rich. I am planning on using Ruoff in the future too.

    Edie W, happy client
  • My closing costs and interest rates ended up being lower than when the process started and that was really awesome. Rich was very helpful and was always quick to respond to any questions I had.

    Austin N, happy client
  • Rich and all the associates we willing and friendly, they returned emails and calls promptly.

    Denny E, happy client
  • Rich was super helpful answered all questions, gave us all the information we needed.

    Derek S, happy client
  • This is our second time working with Rich and he has been so helpful both times we have worked with him! We will use him again if we ever buy another house!

    Andrew H, happy client
  • Rich sped up the date of my closing. He was always handy if I had a question. He is also very knowledgeable and friendly!

    Jana W, happy client
  • Rich was there to hold our hand through the entire process. The daily emails reminding us of things we needed to get was a huge help from his team.

    Crockett S, happy client
  • Rich made the difference between getting and not getting a home!

    Rick C, happy client
  • Everything was great from the time Rich told me what to do to get credit established enough to buy a house all the way until we closed on my house. Awesome guy to deal with made it easy and was even really good when I brought my kids with me to close he was just all around down to earth and a great guy to deal with.

    Brandon T, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

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.

Stay connected.

I would love to hear from you!

Call me at (317) 402-1675 or message me below!

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