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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 Sheila Welsh
Picture of Sheila Welsh

Hi, I'm Sheila!

Senior Loan Officer

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

99.20% Customer Satisfaction Rating

Hi, I'm Sheila!

Senior Loan Officer

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

99.20% Customer Satisfaction Rating

Let me help you get pre-approved today!

With more than two decades in the mortgage and real estate industries, I know that as a mortgage planner, my job is not simply to facilitate the loan; my job is to be a trusted counselor. Counseling clients through the home-buying process, which can be a difficult and stressful experience, my expertise allows clients to feel at ease knowing that I am providing excellent service each step of the way. My wealth of knowledge continually places me as a top producer among my peers.

Ruoff Mortgage offers a comprehensive selection of loan products to fit your needs. I will help you navigate through the mortgage loan process, providing you with a prompt, smooth, and professional transaction.

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

  • Sheila is absolutely amazing! She has been available, supportive, knowledgeable, and professional. Despite moving to a totally different county than where Sheila works, I wouldn't go anyplace else and Sheila made everything go smoothly despite the Lafayette to Bloomington (IN) difference. Sheila is a gem and someone I truly can't say enough good things about.

    Mary Frances H, happy client
  • Communication was excellent. My officer was available at off-hours for questions, and always had the answers I needed when I had a question.

    Joey P, happy client
  • Everything was well communicated and done efficiently. Sheila was great and always quick to respond to any questions we had.

    Jeremiah A, happy client
  • Everything was great and Sheila went above and beyond for us during our 10 month journey to finding the perfect house and remained attentive patient with us. We would recommend her and the Ruoff team to anyone!

    Ben T, happy client
  • Sheila was great, very helpful and friendly. She made the whole refinancing process smooth.

    James F, happy client
  • Everything from start to finish. It was the best and quickest loan process I've ever experienced. Sheila was excellent at responding back and always called to update the status or if something additional was needed. The loan process was fast and efficient, and no crazy demands for documents that has nothing to do with the loan.

    Jimmy G, happy client
  • Great communication throughout process (never a time when I couldn't reach her directly) and very knowledgeable. Very friendly and made us feel comfortable throughout and provided regular updates as things progressed. Highly recommend her to anyone looking to buy a home!

    Ryan S, happy client
  • Shelia was great to work with. She answered all of my questions that I had for the process within minutes never had to wait. A lot of people could learn a lot about customer service from Shelia. I will make sure to use Ruoff for any future home purchases.

    Sean B, happy client
  • Sheila was pleasant and professional. She provided a stress-free experience during an otherwise stressful time.

    James S, happy client
  • Sheila had excellent communication and was prompt on everything that needed to be done. She worked around the clock to ensure we would close on time. She always had answers to our questions( being a first time home buyer we had many)!

    Lindsay H, happy client
  • Sheila was very knowledgeable and knee exactly what was needed and had me at ease the minute i walked in the door.

    Stacey W, happy client
  • Sheila Welsh did such a good job of taking care of me through out this process. Her performance was outstanding. Such a joy working with her.

    Michelle B, 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 (765) 404-4626 or message me below!

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