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.
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|Brock & Amie|
|We would highly recommend Greg Miller and Ruoff Home Mortgage. Greg and the team were easy to work with, they explained every detail and answered all of our questions. We feel that Greg went the extra mile to make sure that everything was handled quickly and professionally and we felt informed of all the details and processes to accomplish our goal. Greg found and presented us with the best options and then allowed us to choose which one we wanted to take. That let us feel empowered to make the final decision. We strongly recommend Greg and the Ruoff team and we will use them again in our future home mortgage needs.|
|Tim & Dani|
|"Home ownership always seemed like an unreachable goal for us until we met with Greg Miller. He opened our eyes to the options available today and helped us understand that buying a home could be a reality. RUOFF mortgage along Greg Miller made this possible and after two short months we purchased our first home! Thanks Greg,|
|Being a first time home buyer the process of getting a mortgage seemed very daunting. My experience with Greg Miller and the team at Ruoff was absolutely wonderful. From the beginning of the process Greg made sure all of my questions were answered and was extremely punctual with responses. Coming from a customer oriented business I really appreciated Greg’s professionalism and follow-thru . I would recommend Greg and the Ruoff team to anyone.|
I am a loan officer that takes extreme pride in getting you to the closing table on time and keeping you abreast of the process as we go through it.