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Rick

Rick Ervin

SVP | Area Manager

NMLS: 169457

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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Proudly serving Michigan

Meet our happy homeowners***

View All Testimonials

Review 1

Jeremy D.

Clare, MI, Sep 2, 2026, 5:27 PM

5.0

Rick and his staff were amazing! They were very transparent, insightful, informative, prompt, supportive, and caring.

Review 2

Deeanna B.

Elsie, MI, Sep 2, 2026, 1:56 AM

5.0

I can’t say enough good things about Rick Ervin and Freida at Guild Mortgage. From the very beginning, they were patient, helpful, and always willing to answer my many questions throughout the process of buying our new home. Our loan wasn’t necessarily the simplest, and there were definitely some stressful moments along the way, but Rick and Freida worked incredibly hard to keep everything moving forward. Freida was wonderful about keeping me updated, explaining what was needed, and responding whenever I had questions or concerns. Rick worked hard to find the right financing for our situation and helped get us all the way to the finish line. Buying a home can be overwhelming, and having people who are responsive and genuinely work to get things done makes such a difference. I truly appreciate all the time, effort, patience, and hard work they put into helping us become homeowners. Thank you, Rick and Freida, for everything you did for us. We are so excited about our new home and very grateful that you were part of making it happen! I would absolutely recommend Rick, Freida, and Guild Mortgage to anyone looking to purchase a home. ❤️🏡

Review 3

Sergio H.

Saint Louis, MI, Aug 12, 2026, 8:16 PM

5.0

This is my 3rd mortgage with Rick. He is very knowledgeable and nice to talk to. I enjoy working with him very much.

Review 4

Thomas M.

Alpena, MI, Aug 17, 2026, 11:18 PM

5.0

I have done 3 home purchases and now 2 refinances with Rick. He helped me with my first home loan. He's been there through thick and thin. He is someone I can trust to get it right when it counts. I can't imagine dealing with anyone else.

Review 5

Nick B.

Mount Pleasant, MI, Jul 3, 2026, 1:37 PM

5.0

Smooth transaction as always, Rick, Wyatt & Freida are great, 10 out of 10 reccommend . We had the clear to close 10 days early.

Review 6

Monique W.

Detroit, MI, Jun 19, 2026, 6:00 PM

5.0

I received the best interest rate service was great and I had access to programs that I did not know existed. Make a list the best experience of my life.

Review 1

Jeremy D.

Clare, MI, Sep 2, 2026, 5:27 PM

5.0

Rick and his staff were amazing! They were very transparent, insightful, informative, prompt, supportive, and caring.

Review 2

Deeanna B.

Elsie, MI, Sep 2, 2026, 1:56 AM

5.0

I can’t say enough good things about Rick Ervin and Freida at Guild Mortgage. From the very beginning, they were patient, helpful, and always willing to answer my many questions throughout the process of buying our new home. Our loan wasn’t necessarily the simplest, and there were definitely some stressful moments along the way, but Rick and Freida worked incredibly hard to keep everything moving forward. Freida was wonderful about keeping me updated, explaining what was needed, and responding whenever I had questions or concerns. Rick worked hard to find the right financing for our situation and helped get us all the way to the finish line. Buying a home can be overwhelming, and having people who are responsive and genuinely work to get things done makes such a difference. I truly appreciate all the time, effort, patience, and hard work they put into helping us become homeowners. Thank you, Rick and Freida, for everything you did for us. We are so excited about our new home and very grateful that you were part of making it happen! I would absolutely recommend Rick, Freida, and Guild Mortgage to anyone looking to purchase a home. ❤️🏡

Review 3

Sergio H.

Saint Louis, MI, Aug 12, 2026, 8:16 PM

5.0

This is my 3rd mortgage with Rick. He is very knowledgeable and nice to talk to. I enjoy working with him very much.

Review 4

Thomas M.

Alpena, MI, Aug 17, 2026, 11:18 PM

5.0

I have done 3 home purchases and now 2 refinances with Rick. He helped me with my first home loan. He's been there through thick and thin. He is someone I can trust to get it right when it counts. I can't imagine dealing with anyone else.

Review 5

Nick B.

Mount Pleasant, MI, Jul 3, 2026, 1:37 PM

5.0

Smooth transaction as always, Rick, Wyatt & Freida are great, 10 out of 10 reccommend . We had the clear to close 10 days early.

Review 6

Monique W.

Detroit, MI, Jun 19, 2026, 6:00 PM

5.0

I received the best interest rate service was great and I had access to programs that I did not know existed. Make a list the best experience of my life.

Review 7

Lashawnda H.

Detroit, MI, Jul 2, 2026, 1:29 AM

5.0

I'm a first time homebuyer, so I was very nervous and had a lot of questions. No question went unanswered and everything was explained in detail. Rick Ervin and gis staff worked with me step by step to make sure everything was to my comfort and kept me in budget and I was also happy that they helped me with DPA!! It was a very overwhelming process but he made sure everything worked out !!! Thank you for making this process easy for me!!

Review 8

Erycka H.

Detroit, MI, Jun 12, 2026, 12:47 AM

5.0

Rick was very accessible and answered all my questions.

Review 9

Jacolby M.

Detroit, MI, May 20, 2026, 10:23 PM

5.0

10/10 experience for my first home purchase

Review 10

Kallin G.

St Clair Shores, MI, May 1, 2026, 6:57 PM

5.0

Rick treated us so well from the beginning! He took us on during a difficult situation and absolutely did everything in his power to make it happen. We couldnt have asked for anything more from Guild. If you guys are searching for the best lender to make everything worthwhile, start here!

Review 11

Jordan C.

Detroit, MI, Apr 5, 2026, 2:10 PM

5.0

Rick was not only a great resource for knowledge but also a kind listening ear to me and my partner as first time home buyers. No question was too silly. He answered our questions quickly and with a understanding attitude. Even during our closing he was a third eye on all the documents we were signing and was able to break things down very easily. We're very appreciative of Rick walking us through our first time buying a home!

Review 12

Dennard W.

Detroit, MI, Feb 5, 2026, 3:07 PM

5.0

They walked me thru step by step,this was a huge step and they made me feel comfortable all the way thru the process. Couldn't ask for a better group threw this major hurdle.he also came to our closing which .meant alot definitely gained new friends threw this process Rick and his team are awesome !!!

Review 13

Shontel H.

Oak Park, MI, Jan 20, 2026, 8:32 PM

5.0

Rick was proactive and not reactive! Resoonse time on all communication was amazing! Looking forward to closing my next deal with Rick!

Review 7

Lashawnda H.

Detroit, MI, Jul 2, 2026, 1:29 AM

5.0

I'm a first time homebuyer, so I was very nervous and had a lot of questions. No question went unanswered and everything was explained in detail. Rick Ervin and gis staff worked with me step by step to make sure everything was to my comfort and kept me in budget and I was also happy that they helped me with DPA!! It was a very overwhelming process but he made sure everything worked out !!! Thank you for making this process easy for me!!

Review 8

Erycka H.

Detroit, MI, Jun 12, 2026, 12:47 AM

5.0

Rick was very accessible and answered all my questions.

Review 9

Jacolby M.

Detroit, MI, May 20, 2026, 10:23 PM

5.0

10/10 experience for my first home purchase

Review 10

Kallin G.

St Clair Shores, MI, May 1, 2026, 6:57 PM

5.0

Rick treated us so well from the beginning! He took us on during a difficult situation and absolutely did everything in his power to make it happen. We couldnt have asked for anything more from Guild. If you guys are searching for the best lender to make everything worthwhile, start here!

Review 11

Jordan C.

Detroit, MI, Apr 5, 2026, 2:10 PM

5.0

Rick was not only a great resource for knowledge but also a kind listening ear to me and my partner as first time home buyers. No question was too silly. He answered our questions quickly and with a understanding attitude. Even during our closing he was a third eye on all the documents we were signing and was able to break things down very easily. We're very appreciative of Rick walking us through our first time buying a home!

Review 12

Dennard W.

Detroit, MI, Feb 5, 2026, 3:07 PM

5.0

They walked me thru step by step,this was a huge step and they made me feel comfortable all the way thru the process. Couldn't ask for a better group threw this major hurdle.he also came to our closing which .meant alot definitely gained new friends threw this process Rick and his team are awesome !!!

Review 13

Shontel H.

Oak Park, MI, Jan 20, 2026, 8:32 PM

5.0

Rick was proactive and not reactive! Resoonse time on all communication was amazing! Looking forward to closing my next deal with Rick!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

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Rick Ervin

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way. As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Father of 7 grown kids, Emily, Tyler, Ben, Molly, Winnona, Maezie, & Wyatt

Grandfather of 7, Henrick, Maren, Briar, Gideon, Delilah, Anderson, & Ernie!

Mastiff dad to Ozzie (English), Nellie and Seger (Cane Corsos)

Frequently Asked, Frequently Answered

Starting with clear, direct answers to the questions that matter most to your future.

A couple looking at a phone smiling.

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence. 

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Have a question we didn't cover?

Ask me directly.

Call Rick

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 Michigan

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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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.