Ruoff's Step Ahead Program

Understanding your home finance options puts you in the driver's seat when you are negotiating your home purchase. Getting a no obligation Ruoff Step Ahead pre-approval letter tells all parties involved that you are a qualified borrower.

Lending Centers

Ruoff Home Mortgage has convenient locations throughout northern and central Indiana.

To learn more about our flexible mortgage products and how we can help choose the right one for you, give us a call, toll-free. We'll be happy to help.




2622 16th Street,
Suite A
Bedford, IN 47421

Office: ‪812.675.8201

Toll Free: 800.627.8633

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1551 S. Piazza Drive
Bloomington, IN 47401

Office: ‪812.650.3800

Toll Free: 800.627.8633

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11711 N Meridian Street,
Suite 130
Carmel, IN 46032

Office: ‪317.853.2673

Toll Free: 800.627.8633

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Columbia City

561 West Connexion Way, Suite #3
Columbia City, IN 46725

Office: ‪260.212.0278

Toll Free: 800.627.8633

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1160 Washington Street
Columbus, IN 47201

Office: ‪812.799.3711

Toll Free: 800.627.8633

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Crown Point

11037 Broadway,
Suite A
Crown Point, IN 46307

Office: ‪219.323.3511

Toll Free: 800.627.8633

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901 Parkway Avenue,
Suite 5
Elkhart, IN 46516

Office: ‪574.296.7740

Toll Free: 800.627.8633

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6219 Vogel Road, Suite 102
Evansville, IN 47715

Office: ‪Coming Soon

Toll Free: 800.627.8633

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11559 Cumberland Road
Fishers, IN 46037

Office: ‪317.288.8807

Toll Free: 800.627.8633

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Fort Wayne - North

1110 E Dupont Road
Fort Wayne, IN 46825

Office: ‪260.497.0800

Toll Free: 800.627.8633

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Fort Wayne - Southwest

6920 Pointe Inverness Way,
Suite 110
Fort Wayne, IN 46804

Office: ‪260.489.5595

Toll Free: 800.627.8633

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1360 Indianapolis Road,
Suite L
Greencastle, IN 46135

Office: ‪765.301.9600

Toll Free: 800.627.8633

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972 Emerson Parkway, Suite C
Greenwood, IN 46143

Office: ‪317.886.4320

Toll Free: 800.627.8633

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Indianapolis - North

9100 Keystone Crossing,
Suite 750
Indianapolis, IN 46240

Office: ‪317.660.4280

Toll Free: 800.627.8633

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Indianapolis - West

8355 Rockville Road,
Suite 200
Indianapolis, IN 46234

Office: ‪317.991.5432

Toll Free: 800.627.8633

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La Porte

245 W Johnson Road,
Suite 5
La Porte, IN 46350

Office: ‪219.200.5181

Toll Free: 800.627.8633

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953 Park East Blvd.,
Suite C
Lafayette, IN 47905

Office: ‪765.250.5757

Toll Free: 800.627.8633

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2200 W. McGalliard Rd
Muncie, IN 47304

Office: ‪800.627.8633

Toll Free: 800.627.8633

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815 East Main Street,
Suite B
Niles, MI 49120

Office: ‪269.340.5925

Toll Free: 800.627.8633

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552 North Oak Drive
Plymouth, IN 46563

Office: ‪574.935.3210

Toll Free: 800.627.8633

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3277 Fruitville Road,
Suite C1
Sarasota, FL 34237

Office: ‪941.552.9989

Toll Free: 800.627.8633

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South Bend

1710 Edison Road
South Bend, IN 46617

Office: ‪574.234.5201

Toll Free: 800.627.8633

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Terre Haute

403 Wabash Ave.
Terre Haute, IN 47807

Office: ‪812.814.9836

Toll Free: 800.627.8633

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310 Enterprise Drive
Warsaw, IN 46580

Office: ‪574.268.9033

Toll Free: 800.627.8633

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2015© Ruoff Home Mortgage

About Us

Ruoff Home Mortgage is an approved seller/servicer for Freddie Mac and Fannie Mae, as well as an approved issuer for Ginnie Mae enabling us to offer a variety of mortgage products. In addition, Ruoff Home Mortgage is an active member in the Indiana Mortgage Bankers Association as well as the National Mortgage Bankers Association. We are proud of our employees who take an active role in their communities thru housing development and Habitat for Humanity, just to name a few.

We are licensed in Indiana, Illinois, Ohio, Michigan and most recently Florida. Because we understand that every borrower is different, we offer a variety of products to meet your individual needs such as Conventional and Government (FHA/VA/USDA) Mortgages as well as One-time Close New Construction Mortgages, FHA 203(k) Mortgages, and many others. Ruoff Home Mortgage is approved to offer first-time homebuyer programs with both Indiana and Michigan Housing and Community Developments.

With over 30 years of experience, we make the process of securing a mortgage simple and straight forward - with no hidden costs and no surprises. Our own in-house processing, underwriting, and closing departments can help expedite the whole process while providing individual personal service. Contact us today to find out more about our low closing costs and great rates on our many flexible mortgage products.

Contact us today to find out more about our low closing costs and great rates on our many flexible mortgage products.

2015© Ruoff Home Mortgage

Loan Programs

Conventional Loans

  • Fixed Rate Mortgage Loans

    The interest rate is fixed for the life of the loan, regardless of what rates do over the life of your loan. This ensures that your payment remains the same each month, which can make budgeting a lot easier. However, if your loan has an escrow account that is used for taxes or insurance, that amount likely will change over time and cause your payment amount to change annually. Conventional fixed rate mortgage loans are typically available in terms of 15, 20 and 30 years.

  • Adjustable Rate Mortgage Loans (ARMs)

    The interest rate changes periodically by adding what is referred to as a “margin” to an index specified in mortgage documents. These two numbers are combined to create the loan’s interest rate and oftentimes have limits (sometimes referred to as “caps and collars”) that ensure the rate does not increase over a certain amount over the life of the loan. As an example, a 1-year ARM will adjust every year, typically on the anniversary date of the loan.

    Because the rate changes as the index changes with fluctuations in the market, monthly payments on an adjustable rate mortgage loan likely will be different every year. However, if you are planning on being in your home a short period of time, an ARM may be a very good option with a lower interest rate.

Government Loans

  • FHA Mortgage Loans

    Despite what many people think, the Federal Housing Administration (FHA) does not actually issue mortgage loans; it insures the loans for investors that purchased bond instruments secured by FHA home loans. Many customers prefer FHA loans because the qualification requirements are more liberal (or flexible).

    In addition, they typically have a lower down payment requirement (as low as 3.5%), lower monthly insurance premiums and often have lower closing costs. This makes an FHA loan a very attractive loan for the first-time homebuyer and also for families with low and moderate income levels.

  • FHA 203(k) Rehabilitation Loans

    These types of loans can be used to make improvements to an existing property. Use the funds for simple upgrades to your home like a kitchen or bath improvement, or to completely reconstruct a home that is presently unlivable. You can even use a 203(k) Rehabilitation Loan to tear down an existing structure and build a new one using some portion of the existing foundation. You may borrow up to 96.5% of the appraised value - based on the value when the improvements or repairs are completed.

  • VA Mortgage Loans

    Similar to FHA loans, VA loans are guaranteed by the U.S. Department of Veteran's Affairs and lenders such as, Ruoff Home Mortgage, make the loans to eligible veterans for the purchase, construction, or for energy-saving improvements (as approved by the lender and VA) of a home. VA loans share similar eligibility requirements as FHA loans, often with lower closing costs, and more liberal terms (usually without requiring a down payment) and even negotiable interest rates. If you qualify, the VA will issue a certificate of eligibility that you can provide a lender when applying for your loan.

  • Reverse Mortgage Loans (HECM)

    A reverse mortgage is designed specifically for homeowners 62 or older. This product helps them benefit from the equity they have built in their home without having to sell their house or make payments. The loan can be funded through a lump sum payment, monthly payments or even a line-of-credit. One of the primary advantages to a reverse mortgage is the loan does not have to be paid until the homeowner sells the property, or no longer lives in the home.

    In addition, the money received from the loan is not considered taxable income, nor is it considered in determining Social Security or Medicare benefits. The homeowner is secure in their home even if the loan term ends or the loan grows beyond the value of the property.

  • USDA (Rural Development) Mortgage Loans

    Under the Guaranteed Loan program, Rural Development guarantees loans made by private sector lenders. A loan guaranteed through RD means that, should the individual borrower default on the loan, RD will pay the private financier for the loan. The individual works with the private lender and makes his or her payments to that lender.

    Under the terms of the program, an individual or family may borrow up to 102% of the appraised value of the home, which eliminates the need for a down payment. Since a common barrier to owning a home for many low-income families is the lack of funds to make a down payment, the availability of the loan guarantees from RD makes the reality of owning a home available to a much larger percentage of Americans.

New Home Construction Loans

  • Construction Loans

    If you are getting ready to undertake a building project, whether it's your new dream home or an addition, Ruoff Home Mortgage has the perfect construction loan programs to fit your needs. We work closely with many area builders and have a simple draw procedure to ensure that your project remains on track as your dream home becomes a reality.

    We know that building a house from the ground up can sometimes be frustrating, not to mention confusing. That’s why we’ve put together our One-Time Close Construction Loan program where our trusted new construction advisors can ease your stress by offering you a single approval process, a single set of closing costs, and a down payment option as low as 5%.

    Unlike other construction loan programs, which typically include a two-time close loan and builder-carried financing, our One-Time Close Construction Loan program gives you more flexibility and less headaches by combining both your construction and your permanent financing, with the ability to lock at application and possibly reduce that locked rate when the build job is completed.

    You simply lock your interest rate before breaking ground. And, should the market improve by the time your home is complete, you will be given the opportunity to lower your interest rate with a float down option. By utilizing a single closing option, you also minimize the chance of being charged twice for the same process and fees.

    Rest assured knowing that our New Construction department works closely with your Ruoff Home Mortgage loan officer and your builder to mitigate additional costs that were not anticipated, ensuring that your project budget remains on track as your dream home becomes reality.

Other Homebuyer Programs

  • IHCDA Mortgage Credit Certificate

    If you’re planning to purchase your first home, the Indiana Housing and Community Development Authority can help you put money back in your wallet or pocketbook with a Homeownership Tax Credit (also known as a federal Mortgage Credit Certificate, or MCC). After obtaining a mortgage through a participating lender, you will receive a certificate that offers you additional federal tax credit of up to $2,000 per year.

  • IHCDA Next Home

    Next Home offers prospective homeowners who do not qualify as first-time homebuyers a down payment assistance of up to four percent, with no purchase price limits.

2015© Ruoff Home Mortgage

Find Your Home Loan Advisor

Find Your Lending Center

2015© Ruoff Home Mortgage

Your Home Loan Application has Been Submitted.

Thank you for your loan application. We're going to begin researching the best loan programs to fit your needs and will be in contact soon to discuss your application and to answer any questions you have about the process.

We appreciate the opportunity to provide you with our mortgage services and look forward to speaking with you.

2015© Ruoff Home Mortgage

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Privacy Policy:


This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. We do not sell or rent customer information. Our privacy policy applies to potential customers as well as current and former customers.

2015© Ruoff Home Mortgage