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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.

95.03% 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.

95.03% 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*

  • 5.0
    Rating source icon

    Everything was well done.

    Nina T.

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

  • 5.0
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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

  • 5.0
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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

  • 5.0
    Rating source icon

    Everything

    Thomas H.

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

  • 5.0
    Rating source icon

    awesome team

    George L N.

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

  • 5.0
    Rating source icon

    Quick and easy process.

    Jenny Lou L.

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

  • 5.0
    Rating source icon

    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

  • 5.0
    Rating source icon

    They both were just amazing

    Martin D.

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

  • 5.0
    Rating source icon

    Good... professional people

    Nancy Petry S.

    Bulls Gap, TN, March 6th, 2024 11:59 AM

  • 5.0
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    From the very first connection (via text) through.Every. Single. Task. Every point was excellent. It was smooth. All details were given (nothing held back). No surprises. Every question /phone call/text message/email was answered within an extremely short amount of time. We never once questioned where we were in this whole process. Every item discussed went ahead with no issues. The end result? Perfect. We knew exactly what to expect, and it completed exactly the way RUOFF said it would. We have never had such excellent service with knowledgeable, professional and very caring people through this process like we received through RUOFF. We are very grateful. Thank you, Theron and Vanessa (at RUOFF), along with David (appraiser) and John (notary), who also made this whole process easy!! RUOFF: Excellent! Highly recommended!

    Rosaleen C.

    Concord, NC, March 7th, 2024 01:33 PM

  • 5.0
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    A shout out to Kalyn Zank, she was exceptional through the entire process.

    Patricia C.

    Pittsburgh, PA, February 21st, 2024 11:05 AM

  • 5.0
    Rating source icon

    A friendly and patient team from start to finish. All of my questions were answered. I had a unique situation and everyone was really good about this circumstances.

    Teresa N D.

    BANGOR, PA, February 21st, 2024 05:29 PM

  • 5.0
    Rating source icon

    We were particularly pleased with the quick responses we received to every inquiry or concern we had. Theron and Vanessa were both very professional, knowledgeable and helpful. They made our experience comfortable and easy.

    Dale Wayne J.

    Duncan, OK, January 19th, 2024 11:06 AM

  • 5.0
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    Kept us informed in a timely manner throughout the process

    Dwight D.

    March 24th, 2023 08:18 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.

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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