When will I know my mortgage rate?

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.

What does a mortgage calculator do?

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.

What credit score do I need to qualify for a mortgage?

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.

What documents do I need to apply for a mortgage?

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.

Russ Iona | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Amber L T.

Uniontown, OH, Jul 25, 2026, 5:57 PM

great communication and very friendly

Kyle W T.

Uniontown, OH, Jul 24, 2026, 3:03 PM

This is the second time I've used Russ and I would go to to him every time!

Jordan J A.

Akron, OH, Jul 28, 2026, 3:02 PM

Extremely easy process and helped with any questions that I had

Michael C.

UNIONTOWN, OH, Jun 14, 2026, 1:39 PM

Russ is very knowledgeable and easy to work with.

Suzanne M C.

UNIONTOWN, OH, Jun 14, 2026, 1:22 PM

Russ is so helpful and friendly. He knows the business like the back of his hand and we totally trusted him to do a great job. Everything was smooth and it took a lot of the stress out of the home buying process.

James D M.

Akron, OH, May 29, 2026, 6:25 PM

I liked the overall communication

Amber L T.

Uniontown, OH, Jul 25, 2026, 5:57 PM

great communication and very friendly

Kyle W T.

Uniontown, OH, Jul 24, 2026, 3:03 PM

This is the second time I've used Russ and I would go to to him every time!

Jordan J A.

Akron, OH, Jul 28, 2026, 3:02 PM

Extremely easy process and helped with any questions that I had

Michael C.

UNIONTOWN, OH, Jun 14, 2026, 1:39 PM

Russ is very knowledgeable and easy to work with.

Suzanne M C.

UNIONTOWN, OH, Jun 14, 2026, 1:22 PM

Russ is so helpful and friendly. He knows the business like the back of his hand and we totally trusted him to do a great job. Everything was smooth and it took a lot of the stress out of the home buying process.

James D M.

Akron, OH, May 29, 2026, 6:25 PM

I liked the overall communication

Sean M T.

Canton, OH, May 4, 2026, 3:02 PM

Russ made the entire process smooth as could be. super responsive and helpful and attentive to all our questions and needs.

Erin K D.

STOW, OH, Feb 24, 2026, 4:15 PM

Russ and the team at Ruoff were very knowledgeable. They helped me find a budget that ensures my financial security moving forward.

Amir M G.

Cuyahoga Falls, OH, Feb 18, 2026, 4:36 PM

Everything was great.

Jennifer R B.

CLINTON, OH, Nov 19, 2025, 2:45 PM

Russ and his team were an absolute pleasure to work with, from the first day to the last. Everything was communicated clearly, and I knew where we were in the process the entire time. I would highly recommend Rouff Mortgage to anyone looking to purchase a home.

Lal Bahadur B.

Akron, OH, Nov 19, 2025, 9:18 PM

Everything went perfect the way we wanted and so thankfull for everything

LuAnn G.

Akron, OH, Oct 24, 2025, 12:51 PM

Smooth process

Komal R.

Akron, OH, Jul 6, 2025, 7:02 PM

He's very honest!

Sean M T.

Canton, OH, May 4, 2026, 3:02 PM

Russ made the entire process smooth as could be. super responsive and helpful and attentive to all our questions and needs.

Erin K D.

STOW, OH, Feb 24, 2026, 4:15 PM

Russ and the team at Ruoff were very knowledgeable. They helped me find a budget that ensures my financial security moving forward.

Amir M G.

Cuyahoga Falls, OH, Feb 18, 2026, 4:36 PM

Everything was great.

Jennifer R B.

CLINTON, OH, Nov 19, 2025, 2:45 PM

Russ and his team were an absolute pleasure to work with, from the first day to the last. Everything was communicated clearly, and I knew where we were in the process the entire time. I would highly recommend Rouff Mortgage to anyone looking to purchase a home.

Lal Bahadur B.

Akron, OH, Nov 19, 2025, 9:18 PM

Everything went perfect the way we wanted and so thankfull for everything

LuAnn G.

Akron, OH, Oct 24, 2025, 12:51 PM

Smooth process

Komal R.

Akron, OH, Jul 6, 2025, 7:02 PM

He's very honest!

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

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.