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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.

99.43% 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.

99.43% 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*

  • 5.0
    Rating source icon

    Steve, Melissa, and team were beyond kind, friendly and incredibly knowledgeable about the entire home buying process. As first time homebuyers the process can be intimidating and Steve made all of it clear and easy. I’ve already recommended him to a couple friends in the area as the essential first stop in the house hunting process

    Alex D G.

    Bella Vista, AR, July 15th, 2024 05:44 PM

  • 5.0
    Rating source icon

    Steve was amazing helped make everything easy for a first time home buyer

    austin14schwegman

    Kalamazoo, MI, July 4th, 2024 11:11 AM

  • 5.0
    Rating source icon

    The constant communication was amazing. The way he explained things made me feel comfortable moving forward with every step. And he had a great attitude.

    Natalie E.

    Kalamazoo, MI, July 4th, 2024 11:08 AM

  • 5.0
    Rating source icon

    Steve went above and beyond to support our purchase and the Ruoff framework streamlined the process immensely.

    Constantin-Antonio C.

    Kalamazoo, MI, July 2nd, 2024 04:16 PM

  • 5.0
    Rating source icon

    Prompt, detailed, professional

    lucianacostea

    Kalamazoo, MI, July 1st, 2024 09:31 PM

  • 5.0
    Rating source icon

    Steve started working on our file immediately and had our preapproval within 3 days! He is an all around great guy and we highly recommend him!

    David C G.

    Portage, MI, June 14th, 2024 11:49 AM

  • 5.0
    Rating source icon

    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

  • 5.0
    Rating source icon

    Steve is a rockstar!

    Matthew G D.

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

  • 5.0
    Rating source icon

    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

  • 5.0
    Rating source icon

    Steve and his team are the best in the business. We even closed earlier than scheduled.

    Cynthia D.

    Augusta, MI, May 6th, 2024 02:23 PM

  • 5.0
    Rating source icon

    Friendly and straightforward

    John A.

    Ypsilanti, MI, April 12th, 2024 12:05 PM

  • 5.0
    Rating source icon

    Straightforward about the needs and listened when we needed clarification or anything else.

    Joseph B.

    BEAVERTON, MI, April 4th, 2024 11:03 AM

  • 5.0
    Rating source icon

    Always helpful and answered any questions

    Andrea K.

    Paw Paw, MI, April 3rd, 2024 07:28 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.

Calculate what's best for you

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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