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Picture of Todd Head
Picture of Todd Head

Hi, I'm Todd!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Todd!

Senior Loan Officer

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

100.00% 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

    Todd was a wonderful help with everything!

    Natalie Bernice E.

    Louisville, KY, May 12th, 2024 03:03 PM

  • 5.0
    Rating source icon

    Todd was great to work with!

    Hannah H.

    Louisville, KY, April 24th, 2024 11:33 AM

  • 5.0
    Rating source icon

    Todd made the application process very easy for us as we’re not located in the area yet. As first time home buyers, he answered our many questions and offered advice along the way. He was always responsive and worked hard to get us the best deal possible.

    Nicole P T.

    Charlestown, IN, April 7th, 2024 10:34 AM

  • 5.0
    Rating source icon

    Todd was great throughout the whole process

    Hunter J T.

    Charlestown, IN, April 6th, 2024 05:02 PM

  • 5.0
    Rating source icon

    Kept me very informed. I got emails but I also got CALLS!!!

    Melody M.

    Murray, KY, September 30th, 2023 12:59 PM

  • 5.0
    Rating source icon

    Everything went very well and very easy.

    Dustin Tyler G.

    New Albany, IN, September 10th, 2023 06:44 PM

  • 5.0
    Rating source icon

    Everything from the mortgage standpoint went great.

    Renae N.

    April 28th, 2023 03:48 AM

  • 5.0
    Rating source icon

    Todd made this process easier than we could have ever imagined. He made us feel empowered in our experience despite us knowing very little about the home-buying process. Wonderful, wonderful!

    Leah C W.

    Louisville, KY, June 27th, 2023 12:23 PM

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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 502.379.1598 or message me below!

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