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Stephanie Moncayo

Senior Loan Officer

NMLS: 2223577

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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Stephanie

97.18%

Customer Satisfaction Score.

Scotsman GuidePresident's Club

Awards

Proudly serving Florida, Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Lori M L.

Osceola, IN, Jan 13, 2026, 11:34 PM

What made my experience excellent was Stephanie’s knowledge and responsiveness. Anytime I had a question, she answered quickly and clearly, often anticipating issues before they became problems. She understands lending from an investor’s perspective, not just a transactional one, which made a big difference in how confident I felt throughout the process. She was organized, proactive, and communicated every step clearly, making the entire experience smooth and stress-free.

Gavin M.

Mishawaka, IN, Jul 30, 2026, 5:25 PM

Stephanie took the burden off of our hands of buying a house and was very knowledgeable and helpful. We love her!

Melissa M.

Mishawaka, IN, Jul 27, 2026, 1:02 PM

Stephanie was a lifesaver during the stressful experience! Her knowledge and communication was key in getting us to the finish line 💟

Michael Wayne M.

South Bend, IN, Jun 24, 2026, 12:20 AM

They just went above and beyond to help us and make this experience very pleasant . Eveyone communicated clearly and promptly with us throughout the whole proces. The whole thing was pleasant from start to finish

Diego H.

South Bend, IN, Jun 19, 2026, 5:26 PM

Everything was excellent. The portal was very conven for everything and Stephanie was a dream to work with

Ehlana P V.

Walkerton, IN, May 25, 2026, 3:26 PM

Stephanie was always prompt, kind, and all over just helpful! She made it happen even with challenges!

Rosemary R.

South Bend, IN, May 9, 2026, 6:56 PM

Great communication

Lori M L.

Osceola, IN, Jan 13, 2026, 11:34 PM

What made my experience excellent was Stephanie’s knowledge and responsiveness. Anytime I had a question, she answered quickly and clearly, often anticipating issues before they became problems. She understands lending from an investor’s perspective, not just a transactional one, which made a big difference in how confident I felt throughout the process. She was organized, proactive, and communicated every step clearly, making the entire experience smooth and stress-free.

Gavin M.

Mishawaka, IN, Jul 30, 2026, 5:25 PM

Stephanie took the burden off of our hands of buying a house and was very knowledgeable and helpful. We love her!

Melissa M.

Mishawaka, IN, Jul 27, 2026, 1:02 PM

Stephanie was a lifesaver during the stressful experience! Her knowledge and communication was key in getting us to the finish line 💟

Michael Wayne M.

South Bend, IN, Jun 24, 2026, 12:20 AM

They just went above and beyond to help us and make this experience very pleasant . Eveyone communicated clearly and promptly with us throughout the whole proces. The whole thing was pleasant from start to finish

Diego H.

South Bend, IN, Jun 19, 2026, 5:26 PM

Everything was excellent. The portal was very conven for everything and Stephanie was a dream to work with

Ehlana P V.

Walkerton, IN, May 25, 2026, 3:26 PM

Stephanie was always prompt, kind, and all over just helpful! She made it happen even with challenges!

Rosemary R.

South Bend, IN, May 9, 2026, 6:56 PM

Great communication

Nicole S.

LaGrange, IN, Apr 25, 2026, 4:26 PM

You helped us buy our first home.

Arley Y R.

South Bend, IN, Apr 21, 2026, 4:57 PM

Excellent Job

Critzaida H.

South Bend, IN, Apr 13, 2026, 4:54 PM

Working with my loan officer was an amazing experience from start to finish. They were knowledgeable, professional, and always available to answer my questions throughout the entire loan process. What could have been a stressful experience felt smooth and easy because of their patience, clear communication, and dedication.

Kim P G.

Wolcottville, IN, Apr 11, 2026, 11:13 PM

Stephanie was great to work with

Shannon K.

Elkhart, IN, Mar 23, 2026, 3:05 PM

Stephanie is a pleasure to work with.

Kristina K.

Elkhart, IN, Mar 20, 2026, 3:15 PM

Stephanie Moncayo was the best at every step. From answering every call and text, no matter what time it was. Her professionalism and care made the entire process that much better. We can't recommend Stephanie enough, we were incredibly lucky to get to work with her .

Hector A G.

South Bend, IN, Mar 18, 2026, 5:48 PM

Stephanie made everything go smoothly and made the loan process extremely easy!

Nicole S.

LaGrange, IN, Apr 25, 2026, 4:26 PM

You helped us buy our first home.

Arley Y R.

South Bend, IN, Apr 21, 2026, 4:57 PM

Excellent Job

Critzaida H.

South Bend, IN, Apr 13, 2026, 4:54 PM

Working with my loan officer was an amazing experience from start to finish. They were knowledgeable, professional, and always available to answer my questions throughout the entire loan process. What could have been a stressful experience felt smooth and easy because of their patience, clear communication, and dedication.

Kim P G.

Wolcottville, IN, Apr 11, 2026, 11:13 PM

Stephanie was great to work with

Shannon K.

Elkhart, IN, Mar 23, 2026, 3:05 PM

Stephanie is a pleasure to work with.

Kristina K.

Elkhart, IN, Mar 20, 2026, 3:15 PM

Stephanie Moncayo was the best at every step. From answering every call and text, no matter what time it was. Her professionalism and care made the entire process that much better. We can't recommend Stephanie enough, we were incredibly lucky to get to work with her .

Hector A G.

South Bend, IN, Mar 18, 2026, 5:48 PM

Stephanie made everything go smoothly and made the loan process extremely easy!

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
Stephanie Moncayo

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.

President's Club

President's Club

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

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 Florida, Indiana, Michigan

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.