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Sarah Cole

Senior Loan Officer

NMLS: 79345 | OH: MLO.021156.003

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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Sarah

98.29%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerRuoff Experience Award Winner

Awards

Proudly serving Ohio

Meet our happy homeowners***

View All Testimonials

Christian K M.

Parma, OH, Aug 5, 2026, 4:04 PM

Thorough, knowledgeable and helpfu!

Julio M Z.

Parma Heights, OH, Aug 5, 2026, 3:05 PM

Very good

Cathy Annette B.

Brooklyn Heights, OH, Aug 7, 2026, 6:27 PM

Thank you

Samantha M W.

Copley, OH, Jul 31, 2026, 3:33 PM

Fantastic communication, very helpful and knowledgeable

Brooke M.

Akron, OH, Jun 29, 2026, 3:11 PM

Sarah and Caroline went out of their way make sure I was getting the best rate possible for my loan. They explored and found ways to utilize all of my qualifications to ensure I was getting the best package possible. The process was long, but their attention to detail and commitment to working external agencies made my new journey with home ownership affordable and less daunting. If I worked with a different team, I don't think I would have had the same opportunities to make home ownership as affordable as it is now. I would highly recommend Sarah and Caroline to anyone looking to fund their next home

Jalisa L.

NORTH RIDGEVILLE, OH, Jun 17, 2026, 4:32 PM

The way Sarah kept in constant communciation with us throughout the entire process and was so knowledgeable and informative , made us feel so much more comfortable. Sarah helped make our dreams come true! She is truly remarkable in her career and I would recommend her to EVERYONE. Thank you!

Christian K M.

Parma, OH, Aug 5, 2026, 4:04 PM

Thorough, knowledgeable and helpfu!

Julio M Z.

Parma Heights, OH, Aug 5, 2026, 3:05 PM

Very good

Cathy Annette B.

Brooklyn Heights, OH, Aug 7, 2026, 6:27 PM

Thank you

Samantha M W.

Copley, OH, Jul 31, 2026, 3:33 PM

Fantastic communication, very helpful and knowledgeable

Brooke M.

Akron, OH, Jun 29, 2026, 3:11 PM

Sarah and Caroline went out of their way make sure I was getting the best rate possible for my loan. They explored and found ways to utilize all of my qualifications to ensure I was getting the best package possible. The process was long, but their attention to detail and commitment to working external agencies made my new journey with home ownership affordable and less daunting. If I worked with a different team, I don't think I would have had the same opportunities to make home ownership as affordable as it is now. I would highly recommend Sarah and Caroline to anyone looking to fund their next home

Jalisa L.

NORTH RIDGEVILLE, OH, Jun 17, 2026, 4:32 PM

The way Sarah kept in constant communciation with us throughout the entire process and was so knowledgeable and informative , made us feel so much more comfortable. Sarah helped make our dreams come true! She is truly remarkable in her career and I would recommend her to EVERYONE. Thank you!

Mary Jane K.

Seven Hills, OH, Jun 12, 2026, 3:17 PM

Sarah kept us updated and well informed always uplifting attitude

James Frank K.

Seven Hills, OH, Jun 12, 2026, 3:11 PM

Sarah and her team excelled in keeping us updated and well informed of next steps and documents needed

Rachel M.

Medina, OH, May 22, 2026, 6:54 PM

Sarah was quick to help me get preapproved and was available when I had questions. She was knowledeagble, professional, and I'm grateful for the ways she helped me get the loan I needed in a short amount of time.

Nicholas J M.

Columbia Station, OH, May 11, 2026, 3:22 PM

Sarah was amazing this is the second time we used her , and we will be a life long customer .

Desiree S.

Parma, OH, Apr 27, 2026, 11:40 AM

The whole process was easy to learn and navigate with step-by-step instructions from the online portal and my loan officer, with her assistant.

Joshua S.

Grafton, OH, Apr 23, 2026, 6:43 PM

Sarah was very accommodating and worked her tail off to make sure everything worked out for us !

Joseph Daniel K.

Cleveland, OH, Mar 28, 2026, 8:09 PM

Sarah was excellent to work with. We were first time home buyers so this process was new and very unfamiliar to us. Sarah really walked us through this process at a pace and level that we could understand. She to time to explain the house-buying process, she was responsive, knowledgable and worked cohesively with us and our real estate agent. We closed at the time and cost we were told. No surprises. We couldn't be more pleased with our purchase and service that Sarah provided to us.

Mary Jane K.

Seven Hills, OH, Jun 12, 2026, 3:17 PM

Sarah kept us updated and well informed always uplifting attitude

James Frank K.

Seven Hills, OH, Jun 12, 2026, 3:11 PM

Sarah and her team excelled in keeping us updated and well informed of next steps and documents needed

Rachel M.

Medina, OH, May 22, 2026, 6:54 PM

Sarah was quick to help me get preapproved and was available when I had questions. She was knowledeagble, professional, and I'm grateful for the ways she helped me get the loan I needed in a short amount of time.

Nicholas J M.

Columbia Station, OH, May 11, 2026, 3:22 PM

Sarah was amazing this is the second time we used her , and we will be a life long customer .

Desiree S.

Parma, OH, Apr 27, 2026, 11:40 AM

The whole process was easy to learn and navigate with step-by-step instructions from the online portal and my loan officer, with her assistant.

Joshua S.

Grafton, OH, Apr 23, 2026, 6:43 PM

Sarah was very accommodating and worked her tail off to make sure everything worked out for us !

Joseph Daniel K.

Cleveland, OH, Mar 28, 2026, 8:09 PM

Sarah was excellent to work with. We were first time home buyers so this process was new and very unfamiliar to us. Sarah really walked us through this process at a pace and level that we could understand. She to time to explain the house-buying process, she was responsive, knowledgable and worked cohesively with us and our real estate agent. We closed at the time and cost we were told. No surprises. We couldn't be more pleased with our purchase and service that Sarah provided to us.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

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

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Sarah Cole

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.

Awards & Achievements

Top Mortgage Lenders

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

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

President's Club

President's Club

3x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

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 Ohio

Sarah Cole

Senior Loan Officer

NMLS: 79345

OH: MLO.021156.003

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.

Fair Housing Logo White

******††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.