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Heather Bozarth, Ruoff Mortgage

Name: Ruoff Mortgage
Address: 1551 South Piazza Drive, Bloomington, Indiana, 47401
Telephone: +1-812-361-6667
Rating: 4.93

Senior Loan Officer | NMLS# 427579 | Ruoff Mortgag...

Ruoff Mortgage - Bloomington

4.93

(285)

West Virginia University

Mortgage

Mortgage Loan Officer

Mortgage Lender

West Virginia University

Contact Info

(812) 361-6667

Bloomington, IN

https://www.ruoff.com/HeatherBozarth

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4.93

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4.91

(202)

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Heather did an excellent job walking alongside us for over a year as we tried to sell and then eventually started building! I would highly recommend her to anyone looking for a loan!

Reply from Heather Bozarth, Ruoff Mortgage

September 4th, 2026 07:58 PM

Thank you so much Maddie! I loved working with you all and we for sure shared some ups and downs (maybe just adventures) over the last year; but it all worked out just how it was supposed to! Welcome home!

Heather is so great to work with. She is on top of the whole process. She made it so easy for us to get all the paperwork in for our loan . She answered all our questions in a clear and precise fashion. We would highly recommend Heather! You...

Reply from Heather Bozarth, Ruoff Mortgage

September 2nd, 2026 02:23 PM

Thank you so much Rick! Working with you and Sherry was truly a delight! I hope you love your forever home in the country!

As first time home buyers, we were very nervous and didn't know anything about the process. We are so thankful to our loan officer, Heather, for all the effort she put in to making this experience smooth and stress-free! Heather is an excellent...

Reply from Heather Bozarth, Ruoff Mortgage

March 25th, 2026 02:09 PM

This is so kind! You all were so prepared that you made my job easy! It was my pleasure helping you finance your first home.

Heather was fantastic! My situation was unusual and Heather worked hard to get everything in place for my closing. She always kept me informed and always took time to explain things to me when I had questions.

Reply from Heather Bozarth, Ruoff Mortgage

June 3rd, 2025 05:32 PM

Oh gosh, Gail...thank you! I loved being part of your journey. You deserve the world!

Heather remembered us from working with us on our first home four years ago, and has always impressed us with her professionalism and lightning fast response time. She and Ruoff work seamlessly with our realtor at 21 Century Sheetz. The communication...

Reply from Heather Bozarth, Ruoff Mortgage

April 21st, 2025 02:23 PM

Thank you so much for the kind review. You guys were great to work with (both times), and I really enjoy being your go-to lender.

Heather Bozarth, Ruoff Mortgage has received a review with 5 star rating from Brent B

Reply from Owner

September 21st, 2026 01:28 PM

Thank you for the 5 star review! I love that you made you a home owner again and you have your own place to come home to when your travels are done.

From the moment I contacted Heather she was always very responsive to phone calls and emails. She made the process quick and painless. I would definitely use her again and recommend her to anyone that's looking at getting a home mortgage!

Reply from Heather Bozarth, Ruoff Mortgage

September 21st, 2026 01:28 PM

I'm so glad to hear that you found the process quick and painless, Brent. It's great to know that my responsiveness made a positive impact on your experience with Ruoff Mortgage. I appreciate your recommendation and look forward to assisting...

Heather and I have been working together for several years, and as a real estate agent in Bloomington, Indiana, I can say that she truly goes above and beyond for her clients. Heather has restructured loans, worked with buyers on repairing...

Reply from Owner

September 23rd, 2026 03:07 PM

Thank you so much, Duke! I love working with you and your clients!

I would say overall this was the easiest home buying experience of my life. Heather Bozarth experience and knowledge of the VA loan process made this whole effort more of a relief and enjoyable time. I would highly reccomend Ruoff and Heather...

Reply from Heather Bozarth, Ruoff Mortgage

September 17th, 2026 02:25 PM

That's the goal!! Thank you so much!

Heather was amazing to work with! She made sure we were informed and up to date on everything every step of the way. This made closing a much easier process thanks to her! We couldn't have done this without her knowledge and help along the...

Reply from Heather Bozarth, Ruoff Mortgage

September 16th, 2026 05:18 PM

Hey Yvette- I'm so happy we went on this journey together. You're more than a client, you're a friend! xoxo

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About

Heather Bozarth is a Senior Mortgage Loan Officer at Ruoff Mortgage, NMLS 427579, serving clients in Indiana, Tennessee, and Florida. With over 16 years of finance experience, she prioritizes elite execution and client-first accessibility, rejecting 9-to-5 constraints to be available when real estate happens. A consistent industry leader and President’s Club member, Heather averages just 14 days to close. She is a dedicated advocate for housing policy as a board member for the Indiana Mortgage Bankers Association and Co-Chair of the IURA Government Affairs Committee. Whether you are a first-time buyer or an experienced investor, Heather delivers unparalleled local market insight and seamless financing solutions. #HappyLending

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Mortgage Refinance

Mortgage Lender

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Mortgage Refinance

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