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Picture of Theron Overman
Picture of Theron Overman

Hi, I'm Theron!

Home Loan Consultant

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

95.97% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Theron!

Home Loan Consultant

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

95.97% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

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.
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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

  • Review 1

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    Everything was well done.

    Nina T.

    Cairo, GA, October 30th, 2023 03:01 PM

  • Review 2

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    Everything was much faster than we anticipated, easy and clear.

    Megan O.

    Cumming, GA, October 25th, 2024 11:16 AM

  • Review 3

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    Friendly and professional

    Zela L Y.

    Sayre, OK, October 24th, 2024 12:17 PM

  • Review 4

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    It was the easiest ever! No worries, no stress. I can not thank y’all enough!

    Amanda L.

    Kingsport, TN, August 24th, 2024 04:14 PM

  • Review 5

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    Everything was simply explained & executed exactly as we discussed. Thanks again!

    Justin R. B.

    Bethany, OK, August 3rd, 2024 11:30 AM

  • Review 6

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    Everything

    Thomas H.

    Rocky Mount, NC, June 6th, 2024 11:11 AM

  • Review 7

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    All my questions were answered quickly. I never had to wait for a response.

    Audrey Alexis S.

    Tunica, MS, June 24th, 2024 12:27 AM

  • Review 8

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    Reaching out to me last fall when I was waiting on my new job opportunity. As soon as I was ready, your team came through.

    Adrian W.

    Memphis, TN, July 14th, 2024 09:50 AM

  • Review 9

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    Friendly and not too many surprises.

    Misty R C.

    Mcguffey, OH, July 21st, 2024 03:02 PM

  • Review 10

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    You guys kept me in the loop every step of the way. For being done mostly online the process was seamless! Thank you so much!

    Maria K.

    Two Rivers, WI, July 26th, 2024 11:02 AM

  • Review 11

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    awesome team

    George L N.

    Coral Gables, FL, June 4th, 2024 11:23 AM

  • Review 12

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    Quick and easy process.

    Jenny Lou L.

    Winter Haven, FL, May 8th, 2024 01:41 PM

  • Review 13

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    I think this company is excellent I think they did a great job Vanessa and Overman I like to thank you very much I would recommend you to anybody who needs a mortgage

    Leon F.

    CHILHOWEE, MO, February 26th, 2024 11:55 AM

  • Review 14

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    They both were just amazing

    Martin D.

    Poteau, OK, March 5th, 2024 11:28 AM

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Why should you choose Ruoff?

65

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.

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.

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I would love to hear from you!

Call me at 260.829.3129 or message me below!

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