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Tammy Graff

Senior Loan Officer

NMLS: 147741

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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Tammy

98.7%

Customer Satisfaction Score.

Scotsman Guide Award

Awards

Proudly serving Illinois, Indiana, Michigan

Meet our happy homeowners***

View All Testimonials

Review 1

Nancy A R.

Dyer, IN, Feb 3, 2025, 6:25 PM

5.0

Guided me easily through the whole process! Super friendly and knowledgeable! Made the whole process not stressful at all

Review 2

Phillip J C.

Niles, MI, May 19, 2026, 4:42 PM

5.0

Tammy was great to work with and always easy to reach if I had a question.

Review 3

Stephen Michael O.

Poland, IN, Oct 11, 2025, 12:49 PM

5.0

Tammy is am amazing person and professional. She is always available, places her clients first, and has a exceptional knowledge. Her customer serice and attention to detail made this process quick and efficient. Tammy has an amazing work ethic and puts her clients first.

Review 4

Debra A.

Cedar Lake, IN, Oct 9, 2025, 11:28 AM

5.0

Tammy was the perfect partner in guiding us through our loan process. Her incredible depth of knowledge and patience explaining things to us during the entire process was a priceless gift. She was always just a phone call away for my last minute "what if" and sometimes panicked questions. She has a gift and we are grateful for her support, patience with me when I was on the edge and exemplary work Hopefully Tammy will see this and if she does, "Thank you for being you Tammy."

Review 5

Carol J.

Tinley Park, IL, Jul 19, 2025, 11:52 PM

5.0

Honesty no sales

Review 6

Martin I.

Crown Point, IN, Apr 30, 2025, 3:13 PM

5.0

Speed of the process, essy to use website, Tammy is excellent lian office

Review 1

Nancy A R.

Dyer, IN, Feb 3, 2025, 6:25 PM

5.0

Guided me easily through the whole process! Super friendly and knowledgeable! Made the whole process not stressful at all

Review 2

Phillip J C.

Niles, MI, May 19, 2026, 4:42 PM

5.0

Tammy was great to work with and always easy to reach if I had a question.

Review 3

Stephen Michael O.

Poland, IN, Oct 11, 2025, 12:49 PM

5.0

Tammy is am amazing person and professional. She is always available, places her clients first, and has a exceptional knowledge. Her customer serice and attention to detail made this process quick and efficient. Tammy has an amazing work ethic and puts her clients first.

Review 4

Debra A.

Cedar Lake, IN, Oct 9, 2025, 11:28 AM

5.0

Tammy was the perfect partner in guiding us through our loan process. Her incredible depth of knowledge and patience explaining things to us during the entire process was a priceless gift. She was always just a phone call away for my last minute "what if" and sometimes panicked questions. She has a gift and we are grateful for her support, patience with me when I was on the edge and exemplary work Hopefully Tammy will see this and if she does, "Thank you for being you Tammy."

Review 5

Carol J.

Tinley Park, IL, Jul 19, 2025, 11:52 PM

5.0

Honesty no sales

Review 6

Martin I.

Crown Point, IN, Apr 30, 2025, 3:13 PM

5.0

Speed of the process, essy to use website, Tammy is excellent lian office

Review 7

Shannon D R.

Gary, IN, Jan 5, 2025, 8:19 PM

5.0

Great Communication and Patience with Me

Review 8

Ryan B.

Portage, IN, Jan 2, 2025, 4:10 PM

5.0

Tammy was very knowledgeable and helpful through this whole process.

Review 9

Bradley D Z.

Dyer, IN, Dec 19, 2024, 5:10 PM

5.0

friendly anknowledgeable

Review 10

Benjamin S.

Hebron, IN, Sep 22, 2024, 9:25 PM

5.0

Every step was so organized and on time that we were able to close eight days earlier than expected This could not have been done without the help of Tammy Graff

Review 11

Jean M B.

Gary, IN, Jun 3, 2024, 3:05 PM

5.0

Knowledge and understanding

Review 12

DJuan E W.

Gary, IN, Feb 20, 2024, 4:07 PM

5.0

Explaining everything I needed to know, as well on things I didn’t know or understand and also keeping me updated on houses that I may have been interested on.

Review 13

Elizabeth D.

Hammond, IN, Oct 15, 2023, 8:39 PM

5.0

I wouldn’t change a thing. Tammy is an amazing person.

Review 7

Shannon D R.

Gary, IN, Jan 5, 2025, 8:19 PM

5.0

Great Communication and Patience with Me

Review 8

Ryan B.

Portage, IN, Jan 2, 2025, 4:10 PM

5.0

Tammy was very knowledgeable and helpful through this whole process.

Review 9

Bradley D Z.

Dyer, IN, Dec 19, 2024, 5:10 PM

5.0

friendly anknowledgeable

Review 10

Benjamin S.

Hebron, IN, Sep 22, 2024, 9:25 PM

5.0

Every step was so organized and on time that we were able to close eight days earlier than expected This could not have been done without the help of Tammy Graff

Review 11

Jean M B.

Gary, IN, Jun 3, 2024, 3:05 PM

5.0

Knowledge and understanding

Review 12

DJuan E W.

Gary, IN, Feb 20, 2024, 4:07 PM

5.0

Explaining everything I needed to know, as well on things I didn’t know or understand and also keeping me updated on houses that I may have been interested on.

Review 13

Elizabeth D.

Hammond, IN, Oct 15, 2023, 8:39 PM

5.0

I wouldn’t change a thing. Tammy is an amazing person.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now
Tammy Graff

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 Award

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

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 Illinois, 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

Ruoff Mortgage Logo White

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.