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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!

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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 Tom Schabel
Picture of Tom Schabel

Hi, I'm Tom!

Senior Loan Officer

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

98.40% Customer Satisfaction Rating

Hi, I'm Tom!

Senior Loan Officer

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

98.40% Customer Satisfaction Rating

Let me help you get pre-approved today!

I’ve been in the mortgage lending industry since graduating from college in 1983 – 35 years! My personal catch phrase has always been, “I want to be your Mortgage Lender For Life!” In order to actually be this, I must provide the service, the expertise and knowledge, and the caring attitude you expect. I take your business seriously. Your homeownership and being able to provide a nice home for your family is of the utmost importance.

Following graduation from Wabash College with a BA in Economics, I worked for 13 ½ years for a moderate-sized lender, working my way up to Vice President and Branch Manager. In 1997, I started my own company and served as President of the company until 2008. I then took a position for a local bank and remained there simply as a Senior Loan Officer for 10 years. I began my position with Ruoff Mortgage in August of 2018.

As a Senior Loan Officer, I bring the experience and knowledge you expect in your loan officer. I believe in putting the customer first in all things. I try to attend all mortgage closings to be with you in what may be the most important transaction of your life. Once we’ve closed your home loan, I want to remain your “Mortgage Lender For Life!”, just as you may have an accountant, an attorney, a family doctor – I want to always be there to help you with your home loan now, and forever.

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

  • Tom was very patient with all of my questions. He went way out of his way to help me with some twists and turns that were part of my process. Very smart, supportive, and knowledgeable to have in my corner during the process!

    Lynn W, happy client
  • Very painless. Tom always answered right away. Got me everything he promised without a headache.

    Bradley S, happy client
  • Tom Schabel is the best in the business. We followed him from his previous employer!

    Michael W, happy client
  • Tom went out of his way to help us even answering emails on weekends. Thanks, Tom! I was shocked to see him at closing. Tom had met me but hadn't met my husband at closing made us feel like old friends.

    Beth M, happy client
  • Tom was always willing to help and answer a call if I had a question.

    Lynsey S, happy client
  • You guys did everything well, and we cannot say enough great things about Tom Schabel! He is the best! A+

    Michael J, happy client
  • Tom was great and got back to me ASAP. He is very knowledgeable and the process was easy.

    Sean W, happy client
  • Very friendly and quick response time to help through the process.

    Eric F, happy client
  • Tom was quick to respond, everything was explained well and submission of documents was easy!

    Abigail W, happy client
  • We worked with Tom Schabel and Mike Wise- the service from Tom, Mike and Ruoff and everyone's helpfulness was outstanding! Very pleased with everything.

    Patricia C, happy client
  • Every step we had great help! Very professional team thank you so much.

    Zhanna A, happy client
  • I could trust Tom Schabel blindly with this mortgage process. He is a man of extremely high integrity. Tom was very quick with getting back to me and made this whole process soooo easy! Thanks, Tom!

    Kimberly B, 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) 626-2459 or message me below!

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