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Heather Bozarth, Ruoff Mortgage - Senior Loan Officer | NMLS# 427579 | Ruoff Mortgage NMLS# 141868 in Bloomington, IN
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Heather Bozarth, Ruoff Mortgage

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

Ruoff Mortgage - Bloomington
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West Virginia University
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
Mortgage
Mortgage Loan Officer
Mortgage Lender
Company Logo
West Virginia University
West Virginia University
Contact Info
(812) 361-6667
Bloomington, IN
https://www.ruoff.com/HeatherBozarth
Location & Business Hours
Business Hours
Thu
24 hours
Fri
24 hours
Sat
24 hours
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5 Star
97%
4 Star
3%
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0%
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Reviews from Web
  • Encompass
    B
    Bethany J R
    Bloomington, IN
    Posted on August 5th, 2026 03:15 PM
    The website was great . The loan officer was knowledgeable . The amount of info requested from the underwriter was insane . We were amaking for 350,000 against a paid for 2.8 million dollar property with a million plus liquid It became insulting...
    read more
    Reply from Heather Bozarth, Ruoff Mortgage
    August 5th, 2026 03:40 PM
    Thank you for the review. I am glad you appreciated our website and my service as your loan officer. I recognize that satisfying Fannie Mae's documentation requirements for complex, multi-business tax returns can feel excessive, but it is a...
    read more
  • Encompass
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    Robert W B
    Bedford, IN
    Posted on July 31st, 2026 11:21 PM
    kept us informed during the whole process. She was very easy to work with and very helpful!
    Reply from Heather Bozarth, Ruoff Mortgage
    August 3rd, 2026 04:12 PM
    Thank you so much! You all were so easy to work with and I hope we can do it again when rates drop!
  • Encompass
    A
    Amanda E H
    Bloomington, IN
    Posted on July 14th, 2026 03:04 PM
    Heather was extremely easy and pleasant to work with - very transparent and communicative our entire process.
    Reply from Heather Bozarth, Ruoff Mortgage
    July 14th, 2026 07:55 PM
    Thank you so much for this review; and WELCOME BACK HOME!! (or at least home for now... because college athletics)
  • Encompass
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    Jerry L L
    Gosport, IN
    Posted on July 11th, 2026 04:00 PM
    was quick to respond to my texts and phone calls and gave a good explanation and an
    Reply from Heather Bozarth, Ruoff Mortgage
    July 13th, 2026 06:32 PM
    Thanks Jerry! Tapping into home equity and having a great client are some of my favorite aspects of my job.
  • Encompass
    K
    Kellie K G
    Bloomington, IN
    Posted on July 5th, 2026 02:19 AM
    ⭐️⭐️⭐️⭐️⭐️
    Reply from Heather Bozarth, Ruoff Mortgage
    July 6th, 2026 01:01 PM
    Thank you for this perfect review! I loved working with you all to find your dream home!
  • Encompass
    J
    Joel F
    Bloomington, IN
    Posted on July 4th, 2026 03:10 PM
    Not a huge fan of the loans being immediately sold off and the rates could have been better. Loan butler is slow. Heather was a pleasure to work with though!
    Reply from Heather Bozarth, Ruoff Mortgage
    July 6th, 2026 01:03 PM
    I know we had a bit of a rollercoaster journey together, but I'm glad we stuck with it. Rates are difficult to control, especially during a Fed Chair change and a war, but monitoring the market for you allowed for us to get the best rate we...
    read more
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    P
    Posted on June 25th, 2026 04:16 PM
    Except for the tedious part of figuring out and navigating the loan butler part, everything went smoothly. No surprises and great to work with.
    Reply from Owner
    July 6th, 2026 01:04 PM
    t was a pleasure working with you and I'm glad that my part went smoothly. Technology is great when it works!
  • Encompass
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    Paul H
    Bloomington, IN
    Posted on June 25th, 2026 04:15 PM
    Except for the tedious part of figuring out and navigating the loan butler part, everything went smoothly.
    Reply from Heather Bozarth, Ruoff Mortgage
    June 25th, 2026 05:32 PM
    Hi Paul- It was a pleasure working with you and I'm glad that my part went smoothly. Technology is great when it works!
  • Encompass
    A
    Alexandria K
    Bloomington, IN
    Posted on June 15th, 2026 11:52 PM
    Heather was so knowledgeable and was always willing to answer my questions!
    Reply from Heather Bozarth, Ruoff Mortgage
    June 16th, 2026 01:35 PM
    I love answering questions! Happy to help you get into the perfect home for you!
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    Lesley S
    Posted on June 10th, 2026 06:57 AM
    Heather Bozarth, Ruoff Mortgage has received a review with 5 star rating from Lesley S
    Reply from Owner
    June 10th, 2026 12:59 PM
    Lesley, thank you for the perfect rating! I'm pleased to know your experience with Ruoff Mortgage was positive.
    • 31–40 of 285
    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
    View All
    What is the Search Rank Score®?
    Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
    Education
    • West Virginia University
      Public Relations/Image Management
      bachelor of journalism
      Sep 2001 -Dec 2004
      West Virginia University logo
    Positions
    • Ruoff Mortgage - Senior Loan Officer
      Jul 20, 2020 - Current
    Memberships
    • SCIMBA
    • BBOR
    • Boys and Girls Club Auxiliary
      • View All
    Addresses and Serving Areas

    Year Started

    2010

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS# 427579
    Gallery
    Heather Bozarth, Ruoff Mortgage - Gallery Photo
    Heather Bozarth, Ruoff Mortgage - Gallery Photo
    Heather Bozarth, Ruoff Mortgage - Gallery Photo
    Videos
    Awards
    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
    Equal Housing Lender
    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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