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Heather Bozarth, Ruoff Mortgage
Senior Loan Officer | NMLS# 427579 | Ruoff Mortgag...
West Virginia University
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, ... Show More
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24 hours
Wed
24 hours
Thu
24 hours
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Reviews from Web
Heather Bozarth, Ruoff Mortgage has received a review with 5 star rating from Lori
Reply from Owner
September 16th, 2026 05:19 PM
Thank you so much for the 5-star review, Lori! This one was especially meaningful to me. I’m so grateful you trusted me with your home financing and gave me the opportunity to help find a path forward. Getting everything ready for closing in...
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Heather was spot on throughout the whole process! She never wasted any of my time or made me feel confused. She worked so hard and fast to get everything ready for closing within 10 days! She was absolutely amazing to work with! Thank you Heather!...
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Reply from Heather Bozarth, Ruoff Mortgage
September 8th, 2026 04:17 PM
THANK YOU for trusting me with with your home purchase. You did this all on your own and it was my honor to help you.
Heather started out strong by helping me find out if I could even afford a house - she helped me get pre approval, then when I needed to adjust the amount, she made it easy. Once I had an accepted offer on the house, she helped me navigate...
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Reply from Owner
September 8th, 2026 01:54 PM
You said I was cheerful! What an amazing compliment. Enjoy your new garden and thank you for the kind words.
Heather started out strong by helping me find out if I could even afford a house - she helped me get pre approval, then when I needed to adjust the amount, she made it easy. Once I had an accepted offer on the house, she helped me navigate...
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Reply from Heather Bozarth, Ruoff Mortgage
September 8th, 2026 01:55 PM
You said I was cheerful! What an amazing compliment. Enjoy your new garden and thank you for the kind words.
Heather Bozarth, Ruoff Mortgage has received a review with 5 star rating from Maddie B
Reply from Owner
September 8th, 2026 02:00 PM
Thank you so much for sticking with me on your home buying journey. I'm so happy for you both!
Heather Bozarth, Ruoff Mortgage has received a review with 5 star rating from Jacob B
Reply from Owner
September 8th, 2026 02:03 PM
Jake- thank you so much for the kind review. Enjoy your new custom home!
Overall smooth process. Heather was incredibly knowledgeable! Thank you!
Reply from Heather Bozarth, Ruoff Mortgage
September 4th, 2026 04:54 PM
What a journey we went on together! I loved helping you all finance your new construction home. Patience really paid off in finding it. You all were a great to work with and thank you for the review!
Heather Bozarth, Ruoff Mortgage has received a review with 5 star rating from Rick W
Reply from Owner
September 2nd, 2026 03:09 PM
Rick, thank you so much for this review. You were such a pleasure to work with!
Heather is one of the most professional partners we have ever worked with. She goes above and beyond in everything she does! We look forward to working with her for years to come!
Reply from Owner
September 2nd, 2026 03:10 PM
Dream Team! Working with a local lender and realtor is really key to a good experience in homebuying in Bloomington.
Heather Bozarth, Ruoff Mortgage has received a review with 5 star rating from Lisa T
Reply from Owner
August 24th, 2026 03:51 PM
Thank you so much Lisa! You were a pleasure to work with!
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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
Purchase Mortgage
Refinance Mortgage
Jumbo Mortgage
Construction Loans
Down Payment Assistance Mortgage
FHA Loans
USDA Loans
No Money Down Loans
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Education
- West Virginia UniversityPublic Relations/Image Managementbachelor of journalismSep 2001 -Dec 2004
Positions
- Ruoff Mortgage - Senior Loan OfficerJul 20, 2020 - Current
Memberships
- SCIMBA
- BBOR
- Boys and Girls Club Auxiliary
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2010
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 427579
Gallery
Videos
Achievements
- Loan Officer of the Month- Company Wide
- Loan Officer of the Month- Branch Wide
Hobbies
- Exercise
- Letting the dog in and out then back in again...and also back out.
- Travel
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Disclaimer
Ruoff Mortgage Company, Inc. is an Equal Housing Lender
Ruoff Mortgage Company, Inc. | NMLS ID #141868
1670 Magnavox Way | Fort Wayne, IN 46804 | Phone (260) 999-6200
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