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Picture of Stephen DeMuth
Picture of Stephen DeMuth

Hi, I'm Stephen!

Senior Loan Officer

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

99.77% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Stephen!

Senior Loan Officer

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

99.77% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

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.
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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

    Stephen is knowledgeable, thorough, and courteous. Works with a customer first attitude. Stephen was quick to get us clarification and made himself available to personally guide us through the process. All actions requiring follow up or intervention, whether it was his responsibility or not, were handled professionally and with a sense of urgency. Would recommend Stephen 10 out of 10 times.

    John E N.

    Louisville, KY, June 20th, 2024 11:21 AM

  • 5.0
    Rating source icon

    Stephen was great at handling every obstacle that came his way. Highly recommend him to everyone and have already referred him to friends and family!

    Samantha A.

    March 13th, 2023 05:57 AM

  • 5.0
    Rating source icon

    Very personable and understood our situation, tried to get everything done quickly in the tight me crunch we were in. That was impressive to me to go above and beyond.

    Angela T A.

    Prospect, KY, September 15th, 2023 04:41 PM

  • 5.0
    Rating source icon

    Stephen was excellent loan officer and walked us through every step. Any questions I had he was quick to respond. He went above and beyond what he needed to do to get our closing done. I would highly recommend using Stephen and Ruoff!

    Angela N.

    Louisville, KY, June 25th, 2024 09:04 AM

  • 5.0
    Rating source icon

    We don’t close on time without Stephen and the incredible effort he put in. Communication was fantastic. I’ve never had a good experience with a loan officer until this purchase. There were so many internal and external pressures complicating this purchase: condensed timeframe, physical distance, medical, a pain in the neck seller, Tesla. A million things could have derailed it and Stephen handled everything so that it went well. Absolutely amazing. My family, and myself, are incredibly grateful.

    Evan Douglas H.

    LOUISVILLE, KY, June 24th, 2024 11:47 AM

  • 5.0
    Rating source icon

    Friendly, timely, knowledgeable

    Rory W S.

    Louisville, KY, May 24th, 2024 02:04 PM

  • 5.0
    Rating source icon

    Stephen was always available to answer questions and was very informative at every step in the process. This was my first time buying a home and Stephen made the process less stressful and scary!

    Kalie N G.

    Louisville, KY, April 5th, 2024 04:25 PM

  • 5.0
    Rating source icon

    Stephen was amazing! He was very prepared and incredibly helpful through the whole process. He was always available to answer questions or address concerns. I would recommend him and Ruoff to anybody!

    Callie A D.

    Louisville, KY, March 26th, 2024 06:09 PM

  • 5.0
    Rating source icon

    Stephen was very quick to reply and extremely knowledgeable about the entire process. I have already recommended him to other friends.

    Evan G.

    Louisville, KY, February 11th, 2024 05:11 PM

  • 5.0
    Rating source icon

    Stephen was wonderful to work with! Always ready to answer our many questions and phone calls. The online process was a breeze to get paperwork signed making the closing table quick and painless. We would definitely recommend Stephen and Ruoff to all of our friends and family.

    Ethan T M.

    Louisville, KY, January 28th, 2024 12:40 PM

  • 5.0
    Rating source icon

    Stephen was very professional and helpful throughout all parts of the loan process. We will be more than happy to refer Stephen to anyone that asks about a loan agent.

    Patrick M M.

    Bardstown, KY, November 13th, 2023 12:02 PM

  • 5.0
    Rating source icon

    All went smoothly!

    Katherine C.

    Louisville, KY, October 3rd, 2023 01:01 PM

  • 5.0
    Rating source icon

    Stephen and his team were phenomenal. They were readily available for any questions I had, and were able to get my loan closed quickly.

    Devon C. L.

    BARDSTOWN, KY, August 28th, 2023 12:03 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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I would love to hear from you!

Call me at 502.794.1835 or message me below!

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