Ryan Miracle
Loan Officer
NMLS: 497698 | OH: MLO.041765.000
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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92.47%
Customer Satisfaction Score.
Awards
21
Years of helping homeowners like you.
Proudly serving Ohio
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Loans Designed to Meet Your Individual Needs
Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.
A Bit About Me
Ryan Miracle is a Senior Loan Officer with Ruoff Mortgage in Columbus, Ohio, with 19 years of mortgage experience and over 3,700 closed loans. A central Ohio native and Ohio Northern University graduate, Ryan entered lending during the 2008 financial crash and built his reputation solving complex loan scenarios other lenders can't figure out — self-employed income, job changes, and tricky underwriting. He has taught continuing education courses for Realtors across Ohio and holds NMLS #497698. Ryan co-leads The Stewards, a Columbus-based mortgage team known for a precision-first, client-education approach to homebuying. He lives in Columbus with his wife and two daughters, and measures success by how well he serves the people around him.
Awards & Achievements
Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
Ruoff Customer Experience Award
Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.
President's Club
Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.
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.
If mortgage rates change before you lock your rate, your quoted rate can go up or down with the market. Once you lock your rate, you’re protected from increases during the lock period – but you also won’t benefit if rates drop. I’ll help you stay informed so you can make the best decision for your timing and goals.
Refinancing with Ruoff Mortgage is a straightforward process designed to help you meet your financial goals – whether that’s lowering your monthly payment, shortening your loan term, or accessing cash from your home’s equity. I’ll guide you through your options and help you decide if refinancing makes sense for you.
Your mortgage rate directly affects your monthly payment. A lower rate can mean a lower payment and less interest paid over time, while a higher rate can increase your monthly cost. Even small changes in your rate can make a big difference, so I’ll help you understand how it impacts your overall budget.
A Home Equity Loan allows you to access the value you’ve built in your home and receive it as a lump sum. This can be helpful for things like home improvements, consolidating debt, or covering major expenses. It’s a great way to put your home’s equity to work while keeping predictable payments.
An ARM might help you secure a lower initial interest rate, which can mean lower monthly payments at the start of your loan. After the initial fixed period, the rate can adjust based on market conditions. This option can be a good fit if you plan to move or refinance before the adjustment period begins.
A VA loan is a government-backed loan that allows eligible veterans, active-duty service members, and certain military families to purchase a home with no down payment and competitive interest rates. It’s designed to make homeownership more accessible for those who have served, and I’ll help you take full advantage of those benefits.
A fixed-rate mortgage keeps your interest rate, principal, and interest payment the same for the life of the loan. This consistency makes budgeting easier and provides long-term peace of mind, especially if you plan to stay in your home for many years.
An FHA loan allows you to purchase a home with a lower down payment while also offering more flexible credit requirements. This makes it a popular option for first-time buyers or anyone looking to get into a home sooner without needing a large upfront investment.
We offer a comprehensive suite of home loan products, including conventional, FHA, VA, USDA, jumbo, and reverse mortgages, for both purchases and refinances. We specialize in unique financing options like renovation loans, new construction loans, and specialized programs such as HomeNow™ down payment assistance.
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.
Closing costs typically range from 2-5% of the home’s purchase price and cover fees like appraisals, title insurance, and loan processing.
PMI is insurance for the lender if you put less than 20% down on a home. It can be removed once you build enough equity.
With Ruoff Mortgage, the average time from application to clear to close is just 15 days.* That means from the moment you apply to the moment you're ready to close, the process can move quickly and efficiently.
Yes, you can buy a home while paying off student loans, even with significant debt, as long as you meet credit, income, and debt-to-income (DTI) requirements. Ruoff Mortgage assesses your total monthly payments, not just the total loan balance, to determine affordability.
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.
Using the equity you have in your home, cash-out refinancing allows you to take out a new mortgage for more than you owe and receive the difference in cash to use for expenses like home improvements or paying off debt.
To determine how much mortgage you can afford, use the Ruoff Mortgage Affordability Calculator, which estimates your maximum home price based on income, debt, and down payment. Generally, lenders recommend keeping your total monthly housing payment (principal, interest, taxes, insurance) between 25% and 36% of your income.
Your monthly mortgage payment typically consists of PITI: Principal, Interest, Taxes, and Insurance. This combined payment often includes an escrow account to manage property taxes and homeowner's insurance, along with potential mortgage insurance, ensuring your payments are simplified and covered.
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