Sharon Miller

Hi. I’m Sharon, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership.

Available after hours & weekends: call 941.374.5565 or

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


I began my career assisting families with the dream of home ownership in 1986, starting in the modular home industry, where I worked for 20 years. After that, I became a real estate agent for two years and then as an escrow officer for another year. With many years of on-the-job training and experience in all aspects of real estate purchases, I know what it takes to get you to the most important part of buying a home: the closing table. Throughout the process, communication is key, and with Ruoff Home Mortgage's milestone updates you are well informed from the beginning to the closing.

As a Sarasota resident, and a member of the Ruoff Home Mortgage team, I strive to ensure my clients' best interest comes first and foremost. With two ears and one mouth I listen more than I speak and I work well with every personality. But more importantly, I live my life around this reflective quote:

"You can have everything in life you want, if you will just help other people get what they want." - Zig Ziglar

My experience...

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

Conventional to $453,100

Fannie or Freddie? Not all Conventional Mortgage Lenders are the same, and Ruoff offers both!

Conventional to $453,100

Home Ready

The HomeReady Mortgage backed by Fannie Mae is built to help our low to moderate income borrowers reach the dream of homeownership.

Home Ready

Client Testimonials

Fast Approval

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