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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

Please complete all fields.

Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Get Started Picture of Sharon Miller
Picture of Sharon Miller

Hi, I'm Sharon!

Loan Officer

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating

Hi, I'm Sharon!

Loan Officer

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

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 Mortgage's milestone updates you are well informed from the beginning to the closing.

As a Sarasota resident, and a member of the Ruoff 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

Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you

  • Everything was handled to a T. Sharon was great and was friendly and walked me threw the whole process. Was calming and confident that everything would be done on time. She was always available when I had any questions or concerns. We have now moved into our home thanks to all of her hard work getting everything done in a timely matter.

    Iris B, happy client
  • Communication was outstanding. I always knew any questions I asked would be answered quickly.

    Allen H, happy client
  • Quick responses and proactive communication culminated in a seamless process. Sharon was very willing and able to assist with everything from gathering documents to explain the lending process

    Austin D, happy client
  • Sharon was on top of the process, anticipated things in advance, and kept me apprised at all times.

    Brenda W, happy client
  • Sharon provided fast and efficient service.

    Trudy M, happy client
  • Sharon Miller was amazing. Always available and made the entire process easy. We were first time buyers and couldn’t have asked for a better rep.

    Charles S, happy client
  • Sharon Miller is polished and a genuine pleasure with whom to work.

    Arthur & Mona S, happy client
  • Everything was perfectly done, the thing that I notice the most was the commitment they all have with the customer and how the explained everything with knowledge and right to the point.

    Christian G, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

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.

Stay connected.

I would love to hear from you!

Call me at (941) 374-5565 or message me below!

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