When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Tony Guinta | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Robert E R.

Pickerington, OH, Mar 4, 2026, 4:25 PM

Everyone was great.

Brenda S R.

Pickerington, OH, Mar 4, 2026, 4:14 PM

We were kept well informed throughout the whole process.

Kameron C.

Granville, OH, Feb 9, 2026, 4:36 PM

Tony was a massive help during the entire duration of our refinance! He answered every question in a timely manner and broke down every aspect of the loan in great detail. I highly recommend using Ruoff to anyone looking for a stress free experienc!

Chad Keith H.

Newark, OH, Dec 30, 2024, 12:51 PM

The entire process was easy and nothing came as a surpris.

Alexis Kathryn V.

Newark, OH, Dec 26, 2024, 4:54 PM

Everything moved along fast and smoothly! all questions were answered!

Julian Thomas B.

NEWARK, OH, Dec 17, 2024, 5:49 PM

Tony was able to get us to close in 8 days, ive always expected the process to be drawn out and just a pain, but Tony not only made the process quick but also gave a very friendly face to ask questions with. I can't say enough good things about Tony. Stellar guy and great at what he does. Couldn't ask for anyone else when buying my first house.

Robert E R.

Pickerington, OH, Mar 4, 2026, 4:25 PM

Everyone was great.

Brenda S R.

Pickerington, OH, Mar 4, 2026, 4:14 PM

We were kept well informed throughout the whole process.

Kameron C.

Granville, OH, Feb 9, 2026, 4:36 PM

Tony was a massive help during the entire duration of our refinance! He answered every question in a timely manner and broke down every aspect of the loan in great detail. I highly recommend using Ruoff to anyone looking for a stress free experienc!

Chad Keith H.

Newark, OH, Dec 30, 2024, 12:51 PM

The entire process was easy and nothing came as a surpris.

Alexis Kathryn V.

Newark, OH, Dec 26, 2024, 4:54 PM

Everything moved along fast and smoothly! all questions were answered!

Julian Thomas B.

NEWARK, OH, Dec 17, 2024, 5:49 PM

Tony was able to get us to close in 8 days, ive always expected the process to be drawn out and just a pain, but Tony not only made the process quick but also gave a very friendly face to ask questions with. I can't say enough good things about Tony. Stellar guy and great at what he does. Couldn't ask for anyone else when buying my first house.

Emilee Anne S.

Newark, OH, Nov 29, 2024, 4:04 PM

Made sure we understood every step of the way. Very patient and accommodating . Tony was fantastic!

Corey B.

Cutler, OH, Nov 28, 2024, 8:11 PM

Never failed to answer the many questions we had

Christian Scott S.

Newark, OH, Nov 22, 2024, 4:24 PM

Tony made our experience excellent he was quick, communication was the best I have ever seen he didnt let anything slip through the cracks picked us up from the other loan officer we had that forgot about us and made us a priority we owe alot to Tony, we will recommend him to everyone we can , all in all a very professional and courteous guy to work with!!!

Alecia Reann S.

Newark, OH, Nov 22, 2024, 4:06 PM

Tony was absolutely AMAZING! He was very knowledgeable and made us a priority! We had another loan officer ( outside of your company) , that dropped the ball on us but Tony made the impossible seem possible! He got everything done FAST and made it possible for us to get into our house ! THANK YOU TONY! Tony deserves a promotion or raise FOR SURE !

Debra Kay B.

Lancaster, OH, Nov 11, 2024, 4:40 PM

True professionalism from beginning to end! Tony answered questions, guided us throughout the process with his expertise and was very kind and patient with us. That means so much to us!

William Connor M.

Newark, OH, Oct 22, 2024, 3:02 PM

Great communication

Emily J.

Hilliard, OH, Oct 21, 2024, 3:46 PM

Home buying can be a stressful process but Tony made it as easy as possible. With clear and consistent communication and support.

Emilee Anne S.

Newark, OH, Nov 29, 2024, 4:04 PM

Made sure we understood every step of the way. Very patient and accommodating . Tony was fantastic!

Corey B.

Cutler, OH, Nov 28, 2024, 8:11 PM

Never failed to answer the many questions we had

Christian Scott S.

Newark, OH, Nov 22, 2024, 4:24 PM

Tony made our experience excellent he was quick, communication was the best I have ever seen he didnt let anything slip through the cracks picked us up from the other loan officer we had that forgot about us and made us a priority we owe alot to Tony, we will recommend him to everyone we can , all in all a very professional and courteous guy to work with!!!

Alecia Reann S.

Newark, OH, Nov 22, 2024, 4:06 PM

Tony was absolutely AMAZING! He was very knowledgeable and made us a priority! We had another loan officer ( outside of your company) , that dropped the ball on us but Tony made the impossible seem possible! He got everything done FAST and made it possible for us to get into our house ! THANK YOU TONY! Tony deserves a promotion or raise FOR SURE !

Debra Kay B.

Lancaster, OH, Nov 11, 2024, 4:40 PM

True professionalism from beginning to end! Tony answered questions, guided us throughout the process with his expertise and was very kind and patient with us. That means so much to us!

William Connor M.

Newark, OH, Oct 22, 2024, 3:02 PM

Great communication

Emily J.

Hilliard, OH, Oct 21, 2024, 3:46 PM

Home buying can be a stressful process but Tony made it as easy as possible. With clear and consistent communication and support.

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

A Bit About Me

Born and raised in Licking County, I'm proud to help homebuyers across Ohio navigate one of the biggest purchases of their lives. As a Loan Officer with Ruoff Mortgage, my goal is simple: make the mortgage process easier, less stressful, and as smooth as possible.

I'm known for being honest, patient, and easy to talk to—giving straightforward answers and making sure clients truly understand their options. I specialize in Conventional, FHA, VA, and USDA loans, helping first-time buyers, veterans, families, and experienced homeowners find the right fit.

I know life doesn't happen 9 to 5, so I'm available evenings and weekends. If you're buying, refinancing, or just exploring options, I'd love to help.