Sheila Welsh

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

Available after hours & weekends: call 765.404.4626 or

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

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

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"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Client Testimonials

Fast Approval

In a hurry?

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