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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?

$150 - 175k
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?

$75 - 100k
$150 - 175k
Please complete all fields.
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Picture of Zakiya Abbasova
Picture of Zakiya Abbasova

Hi, I'm Zakiya!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Hi, I'm Zakiya!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

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.
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

  • I would like to acknowledge the exceptional service that we received during the entire refinancing process. Zakiya Abbasova's professionalism and knowledge of the industry were impressive and truly appreciated. In the past, we have had experience with several other banks and have found the process frustrating and overwhelming. Zakiya went above and beyond to ensure that all of our needs were met and everything was handled thoroughly and efficiently. She is exactly the type of person you want working on your behalf. Highly recommend.

    Mansur A, happy client
  • everything was good, please keep as you guys doing, Thank you guys for all your help I really appreciate it.

    Mavlud K, happy client
  • Zakiya is absolutely great at being a lender and a customer agent. Every bump along the journey she offered solutions. She called me almost every day even if it was a small thing and I really respect her for that. Zakiya has my regards.

    Darlene A, happy client
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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 502.608.2212 or message me below!

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