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Picture of Sheri Watkins
Picture of Sheri Watkins

Hi, I'm Sheri!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Sheri!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I am so excited to be a part of the Ruoff Mortgage family! As a Senior Loan Officer at our West Chester branch, I bring over 25 years of mortgage lending experience and expertise. 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.

Not only am I committed to my clients, but I am also committed to my real estate agents and 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! I understand that a knowledgeable, timely and honest response is critical. Allow me to be your Personal Loan Originator and Ruoff Mortgage, your preferred lender.

I am a native of the Greater Cincinnati area and have been in the mortgage industry for 25 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 of the home office of Ruoff 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.

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

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President's Club Member

President's club seal 2020
President's club seal 2022

What is your goal?

Buy a Home

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

Refinance

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*

  • 5.0
    Rating source icon

    Sheri was so easy to working with and super friendly!

    Jamie C.

    Middletown, OH, July 5th, 2024 01:05 PM

  • 5.0
    Rating source icon

    Working with Sheri was the best experience. She helped me step by step and I couldn't have done it without her.

    Angela J. B.

    Trenton, OH, June 26th, 2024 10:37 AM

  • 5.0
    Rating source icon

    Sheri was outstanding!

    Matthew V S.

    Traverse City, MI, January 1st, 2024 03:29 PM

  • 5.0
    Rating source icon

    Fast and communication from start to finish!!

    Michelle Paula P.

    Lebanon, OH, April 5th, 2024 02:26 PM

  • 5.0
    Rating source icon

    Sheri was wonderful to work with. She was very knowledgeable and efficient. She was very responsive and professional. I would highly recommend Sheri and Ruoff to anyone looking for a loan.

    Michael G G.

    CINCINNATI, OH, April 29th, 2024 11:32 AM

  • 5.0
    Rating source icon

    Sheri is extremely knowledgeable and very helpful. She explained everything very clearly and exceeded expectations.

    Ted Robert B.

    Hamilton, OH, October 22nd, 2023 12:29 PM

  • 5.0
    Rating source icon

    I have been involved in several hundred real estate transactions. This was by far the best, fastest, and easiest closing that I have experienced. I'm very excited to refer Ms Watkins to my friends and family!

    Christopher S.

    Matlacha, FL, November 6th, 2023 03:43 PM

  • 5.0
    Rating source icon

    Sheri, such an amazing person. She’s so very helpful very responsive and very patient. I had an amazing experience working with her.

    Allah A.

    West Chester, OH, October 2nd, 2023 11:04 AM

  • 5.0
    Rating source icon

    Sheri walked me the loan process and was always available for any questions I had. She made the process seamless. I would recommend Sheri to anyone needing a loan.

    Eleni Anna J.

    West Chester, OH, August 30th, 2023 04:14 PM

  • 5.0
    Rating source icon

    Just made the process as straightforward and painless as possible. Thank you!

    David E W.

    Bethel, OH, August 19th, 2023 07:40 AM

  • 5.0
    Rating source icon

    Sheri was great! She was always willing to go above and beyond to make the loan process as smooth as possible. She always responded to emails and questions promptly and took the time to explain different aspects of the loan process to me. Highly recommend!

    Elisabeth H L.

    Cincinnati, OH, August 14th, 2023 12:31 PM

  • 5.0
    Rating source icon

    I am amazed at how fast we were able to close.

    Karen Lee E.

    CINCINNATI, OH, July 29th, 2023 09:23 AM

  • 5.0
    Rating source icon

    The speed of the process and personalized service.

    Scott Thomas L.

    Milford, OH, July 18th, 2023 04:54 PM

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Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS #141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

** The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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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.

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I would love to hear from you!

Call me at 513.265.8666 or message me below!

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