Sheri Watkins

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

Contact me anytime: 513.265.8666 or

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

Personal Service & Commitment

My Personal Service

I believe that a person’s attitude affects everything they do. My attitude is that personal attention, hard work, enthusiasm and commitment to quality makes a person successful. I apply this to everything I do. You can trust me to personally take care of your mortgage financing needs.

I am so excited to be a part of the Ruoff Home Mortgage family. The vast mortgage experience and knowledge within this company cannot be topped. Being a member of this team has given me the tools, guidance and wisdom to be able to promise my customers and clients, without hesitation that we will deliver the best level of service and product that is available.

I invite you to experience the difference at Ruoff Home Mortgage and I look forward to the opportunity to earn your business.


My Commitment


 Real Estate Agents & Builders-

I know from personal experience the important role a lender plays for a Real Estate Agent or Builder- and their business. So, when you look for someone who understands Agents’ and Builders’ needs, CALL ME FIRST!

A knowledgeable, timely and honest response is critical. Allow me to be your personal loan Originator and Ruoff Home Mortgage, your PREFERRED LENDER.


Helping people make quality decisions comes naturally to me. Your concerns in handling the details of an important transaction will be addressed professionally and with sensitivity to your personal, specific needs. I handle each mortgage loan as if it were my own.


I am a native of the Greater Cincinnati area and have been in the mortgage industry for 24 years. I earned a Bachelor’s degree in Business Administration from St. Francis University in Fort Wayne, Indiana, which coincidentally is where I began my mortgage career and is also the location fo the home office of Ruoff Home Mortgage.

I am licensed Mortgage Professional in the State of Ohio, Kentucky, Michigan and Indiana. I have extensive experience working with First Time Home Buyers and New Construction clients.

I have been a member of Cincinnati Area Board of Realtors and Butler-Warren Board of Realtors.

I am a licensed Mortgage Professional in the states of Ohio, Kentucky, Michigan and Indiana.I have extensive experience working with First Time Home Buyers and New Construction clients.

I have been a member of Cincinnati Area Board of Realtors and Butler-Warren Board of Realtors.

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"

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

Ohio Housing Finance Agency (OHFA) Programs

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

Ohio Housing Finance Agency (OHFA) Programs

Client Testimonials

Realtor Testimonials

Michelle E.
I have worked full time as a realtor with ReMax for 20 years now. Sheri Watkins has been my primary lender for 17 of those years. In those years, I have obviously worked with other lenders, but Sheri always goes the extra mile. She keeps herself well versed on various loan products and changes in the industry. She spends the time to be creative if need be and communicates well with myself and my clients. The loan process can be a scary and very frustrating experience. Sheri does a fantastic job relieving those worries and promoting a positive experience. I appreciate all she does and do suggest Sheri Watkins to anyone looking for a home loan in the future.