
Thea Druley
VP | Branch Manager
NMLS: 403907 | OH: MLO-OH.403907
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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Customer Satisfaction Score.


Awards
28
Years of helping homeowners like you.
Proudly serving Florida, Indiana, Michigan, Ohio
Meet our happy homeowners***
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A Bit About Me
I am a 25-year mortgage veteran and proud mother of three boys. With a quarter-century of experience in the mortgage industry, I've witnessed the ever-changing landscape of home financing from the late 1990s to the present day. My personal mortgage journey began in 2002 when I purchased my first home using an assumable mortgage, sparking my passion for real estate and mortgages. Building lasting relationships with my clients and referral partners is a top priority for me. Whether you're a first-time homebuyer, an experienced investor, or simply need assistance with refinancing, I'm here to provide you with the expertise, dedication, and personalized service you deserve.
Awards & Achievements

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

Ruoff Customer Experience Award
Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.


After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.
A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.
The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.
You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.
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My Latest Blogs
Creating Generational Wealth
Aug 15, 2026
Creating Generational Wealth Through Home Ownership in Fort Wayne
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What are Closing Costs
Aug 15, 2026
What Are Closing Costs? A Clear Breakdown for Fort Wayne Homebuyers
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Use a Gift of Equity to purchase a family members home
Jul 28, 2026
Using a Gift of Equity to Buy Your Family Member’s Home With $0 Out of Pocket
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