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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
Tues
24 hours
Wed
24 hours
Thu
24 hours
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5 Star
97%
4 Star
3%
3 Star
0%
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Reviews from Web
  • Encompass
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    Lesley G S
    Bloomington, IN
    Posted on June 10th, 2026 06:56 AM
    Professionail, Prompt, Informative and Kind!
    Reply from Heather Bozarth, Ruoff Mortgage
    June 10th, 2026 01:03 PM
    Thank you so much Lesley! I love that we got you into your family's home AND it will create so many memories for other families as a short term rental.
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    Connie B
    Posted on June 9th, 2026 03:11 PM
    Heather consistently went above and beyond during my mortgage process. She has meticulous attention to detail, responds very quickly in communication, and made sure everything went smoothly. She is beyond the best!
    Reply from Owner
    June 10th, 2026 01:05 PM
    Thanks Connie! You were a dreamboat client and I'm lucky your realtor referred you to me. Cheers to your new single lady home!
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    Connie N B
    Ellettsville, IN
    Posted on June 9th, 2026 03:08 PM
    Heather consistently went above and beyond to make sure my mortgage process went smoothly and quickly. I appreciated her meticulous attention to detail, and her ability to put me at ease during the stress of obtaining a mortgage. She is the...
    read more
    Reply from Heather Bozarth, Ruoff Mortgage
    June 10th, 2026 01:06 PM
    I often say that buying a home is one of the most stressful things you can do and a big part of my job is to mitigate that stress. I'm happy to be of service!
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    Leah M S
    Brooklyn, IN
    Posted on June 8th, 2026 11:26 PM
    Clear communication and user-friendly website. closing costs were less than estimated!
    Reply from Heather Bozarth, Ruoff Mortgage
    June 9th, 2026 01:00 PM
    Lower than estimated closing costs is always a plus! I'm glad we were able to help you and Matt buy your first home. I hope you make so many memories there!
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    Caleb E
    Posted on May 31st, 2026 08:57 PM
    Everyone is very knowledgeable. All terms were clear and no surprises. Great experience, Heather did an excellent job for us.
    Reply from Owner
    June 1st, 2026 03:05 PM
    Caleb, I'm glad to hear that you had a great experience and found everything clear and straightforward. It was my pleasure to assist you, and I appreciate your kind words about my work.
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    Caleb R E
    Bloomington, IN
    Posted on May 31st, 2026 08:52 PM
    Communication was great. Heather really goes above and beyond! She is very knowledgeable from start to finish. From the title work to closing everyone treated us great. Thank you so much Ruoff!
    Reply from Heather Bozarth, Ruoff Mortgage
    June 1st, 2026 03:06 PM
    Caleb- it was my pleasure helping you finance this family home purchase. Let's do it again soon!
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    N.S.
    Posted on May 28th, 2026 04:46 PM
    Heather made my mortgage process feel so much less overwhelming. She eased my anxiety, explained everything clearly, and guided me with confidence and kindness every step of the way. I’m so grateful for her support and would highly recommend...
    read more
    Reply from Owner
    May 29th, 2026 01:10 PM
    You were a dream client! I wish I had 10 more just like you to help with a refinance!
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    Nicole D S
    Bloomington, IN
    Posted on May 28th, 2026 04:45 PM
    Heather was absolutely wonderful throughout my mortgage process. What initially felt overwhelming and anxiety-inducing became so much more manageable because of her calm presence, confidence, and guidance every step of the way.She took the...
    read more
    Reply from Heather Bozarth, Ruoff Mortgage
    May 29th, 2026 01:11 PM
    This could be the kindest review ever! Thank you so much!
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    NS N
    Posted on May 28th, 2026 12:00 AM
    Heather made my mortgage process feel so much less overwhelming. She eased my anxiety, explained everything clearly, and guided me with confidence and kindness every step of the way. I’m so grateful for her support and would highly recommend...
    read more
    Reply from Owner
    June 7th, 2026 12:00 AM
    You were a dream client! I wish I had 10 more just like you to help with a refinance!
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    Neil C
    Posted on May 27th, 2026 03:52 PM
    Heather Bozarth, Ruoff Mortgage has received a review with 5 star rating from Neil C
    Reply from Owner
    May 29th, 2026 01:11 PM
    Neil, thank you so much for the great rating! I appreciate your support and hope to assist you again in the future.
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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 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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