Teresa Shultz-Miller

Hi. I’m Teresa, an SVP, Area Manager who works hard to make sure your pre-approval turns into home ownership.

Available after hours & weekends: call 574.320.5692 or email

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


Teresa began her lending career in 1996 and is currently the Vice President and Branch Manager at Ruoff Home Mortgage in Elkhart. Previously she has worked as a mortgage loan officer and lending manager at several local financial institutions including being President of her own mortgage company. Teresa is also an active member of the Elkhart Chamber of Commerce, Elkhart County Board of Realtors, and Builder's Association of Elkhart County.

Teresa's family has been in the Real Estate and Home Building Industry in the Elkhart area since 1946 making her feel that she was born to help people with their dreams of home ownership. Whether a first time home buyer is purchasing an existing home, building their dream home or retired home owners are downsizing or changing their lifestyles - Teresa is the mortgage consultant to guide them through the entire financial application and closing process.

Away from the office, Teresa enjoys spending time with her family and friends and loves vacationing in Florida.

My experience...

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.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Fast Approval

In a hurry?

Apply Online Today and Determine Your Financing with Fast Professional Service.

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