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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

Please complete all fields.

Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Get Started Picture of Steve Waddell
Picture of Steve Waddell

Hi, I'm Steve!

Senior Loan Officer

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

96.60% Customer Satisfaction Rating

Hi, I'm Steve!

Senior Loan Officer

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

96.60% Customer Satisfaction Rating

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.
Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


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

  • Steve was very great to work with. Same with his assistant Mimi. They walked alongside us through this whole process with patience and care as if we were family. We truly felt taken care of from start to finish. We couldn't have done this without the two of them.

    Ashley F, happy client
  • Steve was awesome! We were first time home buyers and he made it go very smooth. He went above and beyond to make sure we closed. Nothing but good things to say about Ruoff

    Lindsay B, happy client
  • Steve was extremely helpful and patient with me as we worked through all the different options available to me. He was very responsive and exceeded all expectations. Will definitely use Steve again in the future

    Steve S, happy client
  • The response time of Steve's team was incredible. Everyone I spoke with was always considerate and knowledgeable.

    Ashley L, happy client
  • Steve did a great job communicating with us throughout the process and taking care of everything very quickly. Great job!

    John C, happy client
  • Steve has great communication and did an awesome job explaining everything and laying out all the options available. Would highly recommend working with Steve.

    Tony L, happy client
  • Always willing to answer my questions and try to put it in everyday language for those of us who don’t do this very often. Many things have changed since the last time we had a mortgage.

    Tamara W, happy client
  • Steve and all his counterparts did such a great job with everything along the way in my home buying process. They are an A1 team!

    Aaron C, happy client
  • Steve, was great to work with. He responded to all my emails and phone calls very quickly. The Loan Butler app was a great tool as well.

    Michael W, happy client
  • Steve was great, very knowledgeable and easy to work with. He answered all my questions and got me and my wife squared away from day one!

    Andrew C, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

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.

Stay connected.

I would love to hear from you!

Call me at (317) 445-6733 or message me below!

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