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Picture of Thea Druley
Picture of Thea Druley

Hi, I'm Thea!

VP | Branch Manager

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

97.99% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Thea!

VP | Branch Manager

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

97.99% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

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. For the first time, I felt like I understood the process. Throughout my career, I've weathered the fluctuating tides of interest rates, from the lowest at 2.25% to the highest at 9.625%, adapting and thriving in both Seller's Markets and Buyer's Markets. I understand the importance of flexibility in meeting market demands, ensuring that my clients get the best possible outcomes. Building lasting relationships with my clients and referral partners is a top priority for me. I believe trust and rapport are essential in the mortgage industry, and I'm committed to ensuring that everyone I work with feels valued and supported on their homeownership journey.

Outside of the mortgage world, I am a proud mother of three boys, which has taught me the value of patience, teamwork, and multitasking. When I'm not helping my clients secure their dream homes, you can find me indulging in one of my favorite hobbies: exploring DIY projects and crafts I discover on Pinterest. I love to get creative and find inspiration in the diverse world of crafting.

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. Your success in the mortgage process is my top priority, and I look forward to being a trusted partner on your journey. Don't hesitate to reach out to me, and let's start this exciting homeownership adventure together.

Get Started

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

    My husband worked with Thea to purchase our home and he was so impressed by her consistent communication and speed at which we were able to get everything done. We are very happy that we went with Ruoff and that Thea was our loan officer.

    Kasey A.

    Rochester, IN, March 26th, 2024 01:39 PM

  • 5.0
    Rating source icon

    Very professional and straight forward, wouldn’t want to do this with anyone else!

    Brandt M P.

    Decatur, IN, April 15th, 2024 03:48 PM

  • 4.87
    Rating source icon

    Thea was so caring, personable, understanding & empathetic. She was a Huge Blessing for us in our desire to buy Our very first home. Because of how hard she worked, Our Dream has been realized. We never expected to have someone so sweet ,truthful, and genuine to help walk us threw this proses. We would recommend your services to anyone!

    Steven Wayne H.

    Fort Wayne, IN, January 26th, 2024 08:34 AM

  • 5.0
    Rating source icon

    Very easy to contact and clarify for any queries. Clear explanation on any doubts. User friendly online portal experience. Thanks to Thea and Ashley for making this entire process easier

    Sai Kiran Reddy P.

    Fort Wayne, IN, July 15th, 2024 02:22 PM

  • 5.0
    Rating source icon

    Thea was great! always answering my calls and texts.

    Gabrielle C R.

    Sidney, OH, July 7th, 2024 03:11 PM

  • 5.0
    Rating source icon

    Everyone was very helpful and easy to work with. We appreciate everyone that we worked with. Thank you so much!!

    April D P.

    Columbia City, IN, June 28th, 2024 06:12 PM

  • 5.0
    Rating source icon

    Thea was amazing and always the most help, anything I had any sort of question with she helped right away

    Denver R.

    WARSAW, IN, May 22nd, 2024 11:22 AM

  • 5.0
    Rating source icon

    Quick responses, easy process to follow and friendly people to work with that were very knowledgeable in their field

    Jade D W.

    Columbia City, IN, January 1st, 2024 03:02 PM

  • 5.0
    Rating source icon

    Thea was extremely helpful and kind I will surely recommend her to others

    Terry B.

    FORT WAYNE, IN, February 16th, 2024 11:03 AM

  • 5.0
    Rating source icon

    everything went perfectly, i wouldn’t have wanted to change anything about my experience with ruoff

    Michaela R H.

    Columbia City, IN, August 1st, 2023 12:11 PM

  • 5.0
    Rating source icon

    Thea was quick to answer our questions. She was easy to talk to and returned our calls promptly. She did not seem to mind the 1000 questions my wife or I had about all parts of the loan process. Over she gave us a 5 star experience.

    Lawrence E Y.

    Bluffton, IN, February 29th, 2024 01:08 PM

  • 5.0
    Rating source icon

    Thea was very knowledgeable and explained things very well whenever I had questions or didn’t understand! She was so quick to respond and communicate. We were very pleased with our whole experience.

    Megan R L.

    Columbia City, IN, March 15th, 2024 11:53 AM

  • 5.0
    Rating source icon

    Very nice and considerate. Quick response and she answered all my questions

    Nicole R L.

    Fort Wayne, IN, March 15th, 2024 01:43 PM

  • 5.0
    Rating source icon

    Thea was absolutely amazing to work with. Ever since day one she has been very responsive, all the way through the entire process Thea was very patient and answered any questions I had. I will always recommend Thea for anyone looking to get a mortgage

    Joel A.

    Rochester, IN, March 26th, 2024 11:07 AM

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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.

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I would love to hear from you!

Call me at 260.804.3622 or message me below!

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