Ruoff Mortgage
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Sonia Gunderson

VP | Branch Manager

NMLS: 565570

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Sonia

98.9%

Customer Satisfaction Score.

Scotsman Guide

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Isabelle G F.

Wabash, IN, Jun 23, 2026, 4:10 PM

The staff was extremely helpful and understanding .

Brandon Ray C.

Mentone, IN, Jun 19, 2026, 3:58 PM

The knowledge and experience that Sonia and Heather is great. They got all the paperwork done fast and was extremely fast at getting back to me if I had a question.

Danielle Marie B.

Mentone, IN, Jun 14, 2026, 2:25 AM

We were in a bind and you all were so wonderful in making our home buying experience possible. We couldn't recommend you enough and we will be telling all of our friends and family how wonderful you all really are!

Adam Michael C.

Wabash, IN, Jun 9, 2026, 3:16 PM

I've used Sonia for all my mortgage needs for years so I knew this process would be easy. Sonia is very helpful and easy to talk to

Kendra Diane E.

Akron, IN, Jun 9, 2026, 3:06 PM

Sonia was extremely helpful through this whole process. Very quick to respond. Would a thousand percent highly recommend. Working with her was an incredible experience.Very thankful and blessed, I was able to have her throughout the stressful home process process. She made the loan side of things easy, quick, convenient.

Jacob P.

Wabash, IN, May 5, 2026, 2:59 PM

I just want to take the time to make sure everyone understands how amazing Sonia is! Absolutely great communication skills kept me up to date on my application and was always very responsive to my text messages and emails I will strongly suggest anyone I know to go through her on their next home purchase

Isabelle G F.

Wabash, IN, Jun 23, 2026, 4:10 PM

The staff was extremely helpful and understanding .

Brandon Ray C.

Mentone, IN, Jun 19, 2026, 3:58 PM

The knowledge and experience that Sonia and Heather is great. They got all the paperwork done fast and was extremely fast at getting back to me if I had a question.

Danielle Marie B.

Mentone, IN, Jun 14, 2026, 2:25 AM

We were in a bind and you all were so wonderful in making our home buying experience possible. We couldn't recommend you enough and we will be telling all of our friends and family how wonderful you all really are!

Adam Michael C.

Wabash, IN, Jun 9, 2026, 3:16 PM

I've used Sonia for all my mortgage needs for years so I knew this process would be easy. Sonia is very helpful and easy to talk to

Kendra Diane E.

Akron, IN, Jun 9, 2026, 3:06 PM

Sonia was extremely helpful through this whole process. Very quick to respond. Would a thousand percent highly recommend. Working with her was an incredible experience.Very thankful and blessed, I was able to have her throughout the stressful home process process. She made the loan side of things easy, quick, convenient.

Jacob P.

Wabash, IN, May 5, 2026, 2:59 PM

I just want to take the time to make sure everyone understands how amazing Sonia is! Absolutely great communication skills kept me up to date on my application and was always very responsive to my text messages and emails I will strongly suggest anyone I know to go through her on their next home purchase

Dakota Ray P.

Converse, IN, May 1, 2026, 1:21 PM

Sonia was incredible! with our situation we were in, Sonia was very prompt and got us in a house very fast!

Ashlee A.

Winona Lake, IN, Apr 26, 2026, 9:27 AM

This was my first time buying a home . Sonia and Heather were amazing throughout the entire process .

Kurt B S.

Lowell, IN, Apr 21, 2026, 7:51 PM

the experience was great she answerd all my questions and is VERY knowledgeable and VERY professional ty so much to sonia and ruoff mortgage you guys are the best

Christian L R.

BRISTOL, IN, Apr 7, 2026, 9:41 PM

Working with Sonia as our mortgage officer was an incredible experience from start to finish. She was always responsive, knowledgeable, and patient, taking the time to clearly explain every step of the process and answer all of our questions. Sonia made what could have been a stressful experience feel smooth and manageable, and we always felt confident that we were in good hands. Her professionalism and genuine care for our situation truly set her apart, and we’re so grateful for all of her help in getting us to the finish line.

Laura J A.

Warsaw, IN, Apr 8, 2026, 5:08 PM

We had a great experience with Ruoff and Sonia and Heather were delight to work with! Thank you!

Taylor K A.

Warsaw, IN, Apr 6, 2026, 7:16 PM

Sonia and the Ruoff team were fantastic to work with! We are so happy with our new home.

Francisco M.

Warsaw, IN, Mar 23, 2026, 3:07 PM

Sonia was fast, organized, knowledgable, and went above and beyond to help a first-time homebuyer feel comfotable with the entire process. I will reccomend her to all my friends and go to her for all my mortage needs.

Dakota Ray P.

Converse, IN, May 1, 2026, 1:21 PM

Sonia was incredible! with our situation we were in, Sonia was very prompt and got us in a house very fast!

Ashlee A.

Winona Lake, IN, Apr 26, 2026, 9:27 AM

This was my first time buying a home . Sonia and Heather were amazing throughout the entire process .

Kurt B S.

Lowell, IN, Apr 21, 2026, 7:51 PM

the experience was great she answerd all my questions and is VERY knowledgeable and VERY professional ty so much to sonia and ruoff mortgage you guys are the best

Christian L R.

BRISTOL, IN, Apr 7, 2026, 9:41 PM

Working with Sonia as our mortgage officer was an incredible experience from start to finish. She was always responsive, knowledgeable, and patient, taking the time to clearly explain every step of the process and answer all of our questions. Sonia made what could have been a stressful experience feel smooth and manageable, and we always felt confident that we were in good hands. Her professionalism and genuine care for our situation truly set her apart, and we’re so grateful for all of her help in getting us to the finish line.

Laura J A.

Warsaw, IN, Apr 8, 2026, 5:08 PM

We had a great experience with Ruoff and Sonia and Heather were delight to work with! Thank you!

Taylor K A.

Warsaw, IN, Apr 6, 2026, 7:16 PM

Sonia and the Ruoff team were fantastic to work with! We are so happy with our new home.

Francisco M.

Warsaw, IN, Mar 23, 2026, 3:07 PM

Sonia was fast, organized, knowledgable, and went above and beyond to help a first-time homebuyer feel comfotable with the entire process. I will reccomend her to all my friends and go to her for all my mortage needs.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now
Sonia Gunderson

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Indiana

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.