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I started in the mortgage industry over 25 years ago as a loan originator for 1st Source Bank. About 10 years ago I transitioned to Ruoff Mortgage as a Senior Loan Officer and am now the Niles MI Branch Manager.
I have a fantastic team at Ruoff that enables me to give clients the best experience possible. I am well known for offering customers straight talk and sound advice. I take pride in finding the right mortgage that fits each and every one of my customers' needs. We offer FHA, VA, USDA, and Conventional loans.
My family and I live in Southwestern Michigan. I primarily serve clients in Niles, Edwardsburg, Cassopolis, and the surrounding area. However, I am also licensed in Indiana, Illinois, Texas, Tennessee, and Florida.
It is a pleasure working with great realtors and customers that have become lifelong friends. I look forward to meeting you and helping with all of your mortgage needs. Either I or my Junior Loan Officer Ryan Rogers will be reaching out to you when you submit an application today!
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Everyone at Ruoff was exceptional. I felt cared for and my questions were always answered quickly.
Jennifer K.SOUTH BEND, IN, July 6th, 2026 03:39 PM
Everyone answered any and all questions that we had
Francis G.South Bend, IN, July 6th, 2026 12:43 PM
and Karen are the best at what they do. Extremely helpful kept in touch and got the deal done. Extremely happy with the service
Robert D.Edwardsburg, MI, June 9th, 2026 11:10 AM
Both Ron and Kelly were very responsive, and exceptionally helpful and knowledgeable throughout the entire process. They were also very willing to help me make things work when the original mortgage loan we were applying for was not going to work due to my circumstances.
Joshua E H.South Bend, IN, June 2nd, 2026 11:05 AM
Everything was great
Matthew D N.MISHAWAKA, IN, May 28th, 2026 11:01 AM
Ron did an amazing job helping us through the process of purchasing our home.
Joseph J C.EDWARDSBURG, MI, May 26th, 2026 03:41 PM
Ron was AMAZING. The whole process went by so fast and smooth for us. We thank everyone there at the office .
Neah T C.Niles, MI, May 26th, 2026 01:01 PM
The communication and friendlines!
Mark T. W.Niles, MI, May 20th, 2026 01:22 PM
Everybody was on the ball with all information, even payed less than expected and for that I really appreciate the ruoff mortgage team.
Nathaniel F.South Bend, IN, May 16th, 2026 11:05 AM
Both Ron and Karen were so helpful helping me buy my home. They walked me through every step, kept me updated and provided me with the resources I needed to achive my dream. Thank you so much Ron and Karen!
Rachel Adele K.Dowagiac, MI, May 2nd, 2026 11:29 AM
Extremely easy process and time efficient to get everything taken care of with great support.
Caden R.Niles, MI, April 22nd, 2026 06:51 PM
Everything was explained in terms i could understand
Floyd A. D.Cassopolis, MI, March 31st, 2026 12:57 PM
communication great service in response in closing dates came quickly just happy all know with Ron and Karen in their service
Jeannie C.Port Charlotte, FL, March 28th, 2026 11:05 AM
Branches throughout
the US.
Customer Satisfaction Score.*
Days or less average
clear-to-close.**
Years of helping
homeowners like you.
Milestones updating you throughout the process.
Minutes at the closing
table on average.
*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:
**
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:
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.