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Picture of Steve Cartwright
Picture of Steve Cartwright

Hi, I'm Steve!

VP | Branch Manager

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

99.75% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Steve!

VP | Branch Manager

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

99.75% 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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President's Club Member

President's club seal 2023

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

  • Review 1

    Source of Rating Icon

    The overall process was stress-free because of everyone’s ability to have precise and clear directions for me to follow. Not only that, if I did have any questions, everyone had a quick response with an answer to go forward. It was an enjoyable process and it is the second time working with Steve and I will only work with him and his team from here on out. Highly satisfied!

    Denton R.

    Portage, MI, October 22nd, 2024 11:19 AM

  • Review 2

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    Steve was informative, kind, and made everything very easy to understand. His knowledge and experience is unmatched!

    Jessica F.

    Galesburg, MI, October 3rd, 2024 11:06 AM

  • Review 3

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    Excellence

    Michael F.

    Galesburg, MI, October 1st, 2024 08:15 AM

  • Review 4

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    Easy communication and prompt response

    Tu Cam Q.

    Cape Coral, FL, September 30th, 2024 07:22 AM

  • Review 5

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    Steve want above and beyond to get our loan and close this deal under difficult situations

    Kimberly Ann H.

    Sebring, FL, September 24th, 2024 12:37 PM

  • Review 6

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    I sold my house without even looking for a new one. I found one within a few days and I didn't have to worry about timeliness because my loan went through quickly

    Lisa T.

    Battle Creek, MI, September 15th, 2024 04:46 PM

  • Review 7

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    18 day turn around from seeing a house to owning it!

    Bethany L. W.

    Kalamazoo, MI, September 1st, 2024 09:12 PM

  • Review 8

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    Steve went above and beyond. Him and his team were such great communicators, they were very responsive and clear and supportive. I have a busy career and Steve was even willing to take my 8pm phone calls. Such a great team to work with!

    Aubree S.

    Three Rivers, MI, August 20th, 2024 12:08 PM

  • Review 9

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    Steve and the ladies were very helpful.

    Pamela M.

    Plainwell, MI, August 15th, 2024 07:41 PM

  • Review 10

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    The kind and friendly loan expert. He made the whole process very smooth.

    Sharon G.

    Battle Creek, MI, July 30th, 2024 01:44 PM

  • Review 11

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    Steve was always available and ready to answer any questions we had no matter the time of day. He was very pleasant to work with and we appreciated all of his knowledge and help

    Nicole C.

    Galesburg, MI, May 9th, 2024 12:09 PM

  • Review 12

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    Steve is a rockstar!

    Matthew G D.

    Augusta, MI, May 9th, 2024 12:11 PM

  • Review 13

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    Steve is the best in the business and we’ve used him for both homes we have purchased so far and will continue to use him!

    Kenneth H. M.

    Portage, MI, June 5th, 2024 08:17 AM

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Why should you choose Ruoff?

66

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 269.217.4744 or message me below!

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