Nothing is more important to me than getting the right mortgage product for you. I make every effort to get you to the closing table in the least possible amount of time, with as little inconveinence to you as possible.I pride myself in keeping you informed along the way and will always be available for your call.More Less
Ruoff Home Mortgage is a fully approved HUD Direct Endorsement independent mortgage bank committed to helping you find the right mortgage product for your needs. We understand that because every borrower is different, we offer a variety of products to meet your individual requirements such as conventional mortgages, FHA mortgages,USDA & VA mortgages, new construction mortgages, home equity loans. We also offer first homebuyer programs through Indiana Housing and Community Development Authority.
Ruoff Home Mortgage is a independent mortgage bank rather than a mortgage broker. A mortgage bank or lender funds the loan and also closes the loan in their own name. Using our warehouse line,Ruoff funds the new loan at the closing table. Later, Ruoff sells the loan and its servicing rights in the secondary market to an investor that has already committed to purchasing the home loan prior to the closing. Mortgage banks typically realize pricing advantages that can sometimes be as much as 1/2 percent better than the pricing provided to regular mortgage brokers. Closing Costs tend to be significantly less as well. This pricing advantage ultimately translates to more buying power for you.