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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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Didn't like the intrusive nature of the underwriters request. I should have cashed out some of my securities and financed the house myself.

Reply from Heather Bozarth, Ruoff Mortgage

September 22nd, 2025 01:38 PM

Hey Jim- it looks like maybe you left two reviews (thank you!) I agree with you that underwriting is invasive. We follow government guidelines and regulations for lending and, unfortunately, have little to no say as a company over what is required...

Heather was very personable, very knowledgeable. Answered all our questions in a timely manner. A pleasure to work with her.

Reply from Heather Bozarth, Ruoff Mortgage

September 19th, 2025 04:03 PM

Thanks Jeanne! It sure was an adventure, but I'm happy to welcome you to Indiana!

Heather was an excellent loan officer. She was more than responsive, knowledgeable, and helpful the many times I/we called her for explaining things and guidance through the process. I would highly recommend Hearher.

Reply from Heather Bozarth, Ruoff Mortgage

September 15th, 2025 11:41 PM

Your kind words mean a lot. It's important to me that you're comfortable and informed every step of the way. Thank you for your recommendation- it's quite literally how I feed my family.

Heather Bozarth, Ruoff Mortgage has received a review with 5 star rating from David R

Reply from Owner

September 15th, 2025 11:41 PM

Thank you, David, for leaving a five-star rating. I appreciate your support and trust in my service at Ruoff Mortgage.

Heather and her team were more like the wonderful next door neighbor. We had a few problems to work through but they were more than helpful in navigating the problems. I would recommend her and her team to anyone. They're that good.

Reply from Heather Bozarth, Ruoff Mortgage

September 12th, 2025 05:47 PM

What a great way to put it! I would love to be your neighbor too!

Heather is wonderful and will guide you through the mortgage process step-by-step. She knows her business and is very good at communicating with her clients. I highly recommend her!

Reply from Owner

September 12th, 2025 05:48 PM

I appreciate your recommendation and kind words. If there's anything else I can assist you with in the future, please feel free to reach out.

Heather was absolutely the best! She stuck with me through the entire process and talked me off the ledge many times! I appreciated her support!

Reply from Heather Bozarth, Ruoff Mortgage

September 9th, 2025 08:28 PM

Thank you so much for that kind review. A big part of my job is making sure that you feel good about the process and I know it is a very stressful process. Thank you so much for sticking with us!

Heather was super friendly, helpful, and kept me informed each step of the process. The website was also easy to navigate to check the status of my loan.

Reply from Heather Bozarth, Ruoff Mortgage

September 9th, 2025 04:31 PM

It's great to know that you felt supported and informed throughout the process. I appreciate you mentioning how easy it was to navigate the website as well. Thanks for making my job so easy!

Heather takes care of everything for us. I know she's a text or a phone call away, even on the weekends, and I never worry about anything when I know she's working on all the details. She wasn't pushy with our refinance but gave us the information...

Reply from Owner

September 12th, 2025 05:49 PM

Knowing you're at ease during the mortgage process and feel taken care of truly means a lot, Hannah. I’m glad I was able to provide the information you needed for your refinance decision without feeling pressured. When rates drop really low,...

Reply from Heather Bozarth

September 9th, 2025 04:36 PM

Thank you so much for this review. Having a good relationship with my clients is so important to me. Glad we got you some #HappyLending

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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

Specialities