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Year started: 1998. Years of experience: 28.
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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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Thea

99.2%

Customer Satisfaction Score.

Scotsman Guide AwardRuoff Experience Award Winner Award

Awards

28

Years of helping homeowners like you.

Proudly serving Florida, Indiana, Michigan, Ohio

Meet our happy homeowners***

View All Testimonials

Review 1

Kasey A.

Rochester, IN, Mar 26, 2024, 5:39 PM

5.0

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.

Review 2

Brandt M P.

Decatur, IN, Apr 15, 2024, 7:48 PM

5.0

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

Review 3

Steven Wayne H.

Fort Wayne, IN, Jan 26, 2024, 1:34 PM

5.0

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!

Review 4

Hunter Terrell O.

Columbia City, IN, Aug 7, 2026, 1:02 PM

5.0

Answered all my questions quick help me through the whole process

Review 5

McKade K.

Columbia City, IN, Jul 27, 2026, 4:59 PM

5.0

Everything was perfect . Even though I didn't make it easy on the Ruoff team, everyone was wx helpful and professional . Very impressive from top to bottom. Especially impressed with Thea. As far as I am concerned, there is absolutely nothing she could have done better

Review 6

Matthew James H.

Leo, IN, Jun 16, 2026, 6:40 PM

5.0

Thea is the best! She helped every step of the way!

Review 7

James D K.

Albion, IN, Jun 15, 2026, 3:17 PM

5.0

They was very helpful though the whole process

Review 8

Jingyu H.

Fort Wayne, IN, Jun 9, 2026, 9:31 PM

5.0

Great experience!

Review 1

Kasey A.

Rochester, IN, Mar 26, 2024, 5:39 PM

5.0

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.

Review 2

Brandt M P.

Decatur, IN, Apr 15, 2024, 7:48 PM

5.0

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

Review 3

Steven Wayne H.

Fort Wayne, IN, Jan 26, 2024, 1:34 PM

5.0

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!

Review 4

Hunter Terrell O.

Columbia City, IN, Aug 7, 2026, 1:02 PM

5.0

Answered all my questions quick help me through the whole process

Review 5

McKade K.

Columbia City, IN, Jul 27, 2026, 4:59 PM

5.0

Everything was perfect . Even though I didn't make it easy on the Ruoff team, everyone was wx helpful and professional . Very impressive from top to bottom. Especially impressed with Thea. As far as I am concerned, there is absolutely nothing she could have done better

Review 6

Matthew James H.

Leo, IN, Jun 16, 2026, 6:40 PM

5.0

Thea is the best! She helped every step of the way!

Review 7

James D K.

Albion, IN, Jun 15, 2026, 3:17 PM

5.0

They was very helpful though the whole process

Review 8

Jingyu H.

Fort Wayne, IN, Jun 9, 2026, 9:31 PM

5.0

Great experience!

Review 9

Jaclyn R M.

Columbia City, IN, Jun 10, 2026, 3:29 PM

5.0

Great customer service!

Review 10

Quentyn C.

FISHERS, IN, Jun 8, 2026, 5:40 PM

5.0

I believe that Thea did an excellent job and helping me through the loan process as a first time home buyer. She kept me up to date with everything happening throughout the entire process, offered helpful insight from her past experience, and was available anytime I had a question to ask. I couldn't recommend Thea more if you are looking for someone to help you through the loan process.

Review 11

Godfred Segun Y.

Fort Wayne, IN, Jun 2, 2026, 8:06 PM

5.0

Great Service.

Review 12

Dakota Allen K.

Columbia City, IN, May 13, 2026, 3:36 PM

5.0

ause it was

Review 13

Canyon A.

Fort Wayne, IN, May 6, 2026, 3:08 PM

5.0

Thea was excellent to work with and always available for all are questions and needs we might of had and did an amzing job explaining and walking us thru each and every step along the way!

Review 14

Indira Aashirwad P.

Fort Wayne, IN, Apr 29, 2026, 8:54 PM

5.0

Thea was an absolute delight to work with. Incredibly knowledgeable and the whole process was fast and easy!

Review 15

Elaine M.

Huntertown, IN, Apr 22, 2026, 8:07 PM

5.0

I was a first time home buyer and I never felt confused or lost during the process. Thea did an amazing job!

Review 16

Ashok P.

Fort Wayne, IN, Mar 24, 2026, 3:09 PM

5.0

Thea is fridenly and promt response

Review 9

Jaclyn R M.

Columbia City, IN, Jun 10, 2026, 3:29 PM

5.0

Great customer service!

Review 10

Quentyn C.

FISHERS, IN, Jun 8, 2026, 5:40 PM

5.0

I believe that Thea did an excellent job and helping me through the loan process as a first time home buyer. She kept me up to date with everything happening throughout the entire process, offered helpful insight from her past experience, and was available anytime I had a question to ask. I couldn't recommend Thea more if you are looking for someone to help you through the loan process.

Review 11

Godfred Segun Y.

Fort Wayne, IN, Jun 2, 2026, 8:06 PM

5.0

Great Service.

Review 12

Dakota Allen K.

Columbia City, IN, May 13, 2026, 3:36 PM

5.0

ause it was

Review 13

Canyon A.

Fort Wayne, IN, May 6, 2026, 3:08 PM

5.0

Thea was excellent to work with and always available for all are questions and needs we might of had and did an amzing job explaining and walking us thru each and every step along the way!

Review 14

Indira Aashirwad P.

Fort Wayne, IN, Apr 29, 2026, 8:54 PM

5.0

Thea was an absolute delight to work with. Incredibly knowledgeable and the whole process was fast and easy!

Review 15

Elaine M.

Huntertown, IN, Apr 22, 2026, 8:07 PM

5.0

I was a first time home buyer and I never felt confused or lost during the process. Thea did an amazing job!

Review 16

Ashok P.

Fort Wayne, IN, Mar 24, 2026, 3:09 PM

5.0

Thea is fridenly and promt response

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Save on your closing costs with our new loyalty program! Learn all about the mortgage process and earn points that can be converted to cash toward your closing costs.

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HomeNow

Down Payment Assistance

Our most inclusive down payment assistance program!

This unique program offers 100% financing* for qualified FHA borrowers, plus up to 5% down payment assistance, and closing cost options!

*Restrictions apply. See website for details. The Ruoff Mortgage HomeNow™ Down Payment Assistance program is currently available in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, and Ohio. Please check with your loan officer for more information regarding state availability.

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
Thea Druley

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.

Ruoff Customer Experience Award Award

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.

A couple looking at a phone smiling.

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.

Have a question we didn't cover?

Ask me directly.

Call Thea

Proudly serving Florida, Indiana, Michigan, Ohio

Thea Druley

VP | Branch Manager

NMLS: 403907

OH: MLO-OH.403907

My Operating Hours

Mon: 7:00 AM - 9:00 PM

Tue: 7:00 AM - 9:00 PM

Wed: 7:00 AM - 9:00 PM

Thu: 7:00 AM - 9:00 PM

Fri: 7:00 AM - 9:00 PM

Sat: 9:00 AM - 12:00 PM

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

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******††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.