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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

Please complete all fields.

Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Get Started Picture of Toby Lagle
Picture of Toby Lagle

Hi, I'm Toby!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Hi, I'm Toby!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

I am a seasoned veteran in the mortgage lending industry. Closing loans on time is as important to me as it is for all the parties involved in a purchase transaction. Ruoff Mortgage provides me with a vast variety of mortgage loan programs that I am able to share with my clients. We strive in new home construction as well as existing home purchases.

The benefit to our customers when they choose Ruoff Mortgage as their preferred lender is that we are well connected with our clients, realtors, processors and underwriters throughout the lending process. We are able to eliminate the big bank overlays and delays. Our processing, underwriting and closing departments are all located within the same building here in Indianapolis. Having the ability to speak to an underwriter and/or a loan processor in a face-to-face environment speaks volumes in comparison to many of our competitors. Closing your loan on time and maintaining consistent communication is my objective.

In this business you are only as good as your last loan, so make sure your last loan is a good one if you want additional referral business from your clients.

We Close Loans On Time!

Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


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

  • Our loan officer was very timely with his responses to our questions, really making us feel as though buying a home wasn't as complicated as what everyone made it out to be. The loan process was very smooth, since this was our first purchase of a home that aspect was important to us. The purchase of our very first home was a very pleasant experience, and it's mostly thanks to our loan officer and Ruoff.

    Alec R, happy client
  • Toby was very personable and professional. We are not very tech savy and he helped us through understanding that as well. I like the personal touch, and not having to do everything via email and texting.

    Joella S, happy client
  • Great customer service. Toby was always available to me and was very knowledgeable. Made the process as easy as he could and kept me informed the whole way

    Angie W, happy client
  • Toby is very knowledgeable, responsive, & friendly. We could not be more pleased & will happily refer others to him.

    Larry M, happy client
  • We had a lot of questions and needed quite a bit of guidance throughout this process. Toby was always available and fun to work with, making this experience not as stressful.

    Lindsey C, happy client
  • Toby's helpfulness was the greatest thing about this whole thing... he always answered questions quickly, thoroughly, and professionally.

    Larry V, happy client
  • Every question my wife and I had was answered and explained very well. It made our first time home buying experience easy!

    Joe L, happy client
  • Toby was professional yet personable, we do not feel we could have chosen a better fit for us. Thank you Toby!!

    Charles S, happy client
  • Toby will get all of my future business. He delivered the best customer service I have ever had. He was absolutely great can't say enough about him

    Daniel S, happy client
  • Toby Lagle worked above and beyond for our family! I would never do mortgage business with anyone else and highly recommend him to anyone! He helped make our dream come true!

    Dottie B, happy client
  • Toby really made it happen for us. He consolidated his request as best as he could and it was a relatively painless process!

    George H, happy client
  • He communicated about everything in detail and explained everything well from beginning to end, which meant a lot to me because as a young first time home buyer the process was completely new to me. He also responded back very quick - even while on vacation!!!

    Jaime S, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

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.

Stay connected.

I would love to hear from you!

Call me at (317) 281-9671 or message me below!

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