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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
Fri
24 hours
Sat
24 hours
Sun
24 hours
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5 Star
97%
4 Star
3%
3 Star
0%
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1 Star
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Reviews from Web
  • Encompass
    S
    Seth E M
    Gosport, IN
    Posted on February 13th, 2026 04:10 PM
    Heather was a pleasure to work with. She consistently provided answers to all of my questions, often before I had the opportunity to ask. I would highly recommend her to anyone seeking to do business with her.
    Reply from Heather Bozarth, Ruoff Mortgage
    February 13th, 2026 09:44 PM
    Thank you so much for this kind review! Being able to refinance a barndominium has been on my bucket list!
  • Encompass
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    Richard W L
    BLOOMINGTON, IN
    Posted on February 6th, 2026 05:44 PM
    Heather was our Loan Officer when we bought our house in 2024 and was outstanding during that process. Similarly, when we remortgaged in early 2026 she was equally as approachable, available, knowlegable and professional. We will always seek...
    read more
    Reply from Heather Bozarth, Ruoff Mortgage
    February 7th, 2026 08:42 PM
    Thank you so much! I love working with you both. Your unique home and cabin are so beautiful that they deserve the best mortgage! LOL
  • Encompass
    J
    Jeffery C
    Bloomington, IN
    Posted on February 5th, 2026 01:23 AM
    Heather was accommodating and communicated with me every step of the way. She made the process very easy for me. Her expertise and knowledge put me at ease and gave me the confidence to know that everything would be handled. I recommend anyone...
    read more
    Reply from Heather Bozarth, Ruoff Mortgage
    February 5th, 2026 03:18 PM
    Repeat clients like you make a mortgage refinance a breeze! (and fun too)
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    Daniel S
    Posted on February 4th, 2026 04:05 PM
    Heather Bozarth, Ruoff Mortgage has received a review with 5 star rating from Daniel S
    Reply from Owner
    February 5th, 2026 03:18 PM
    Thank you, Daniel, for giving such a positive rating. I appreciate your support.
  • Encompass
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    Daniel R S
    Indianapolis, IN
    Posted on February 4th, 2026 04:04 PM
    The overall process was completed accurately and expeditiously.
    Reply from Heather Bozarth, Ruoff Mortgage
    February 4th, 2026 09:08 PM
    I'm so thankful I could jump in and help last minute with your VA loan!
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    Dean B
    Posted on January 16th, 2026 04:07 PM
    Excellent experience from start to finish. Professional, reliable, and great quality work. Highly recommend. I wouldn't look any where else.
    Reply from Owner
    January 19th, 2026 09:00 PM
    Thanks so much! I wish I had 100 more clients just like you.
  • Encompass
    D
    Dean W B
    Ellettsville, IN
    Posted on January 16th, 2026 04:07 PM
    Excellent experience from start to finish. Professional, reliable, and great quality work. Highly recommend. I wouldn't look any where else.
    Reply from Heather Bozarth, Ruoff Mortgage
    January 19th, 2026 09:01 PM
    Thanks so much! I wish I had 100 more clients just like you.
  • Encompass
    O
    Ozgur K
    Fishers, IN
    Posted on January 15th, 2026 04:47 PM
    the Process was smooth and hasnt had any problem.
    Reply from Heather Bozarth, Ruoff Mortgage
    January 19th, 2026 09:05 PM
    Thanks for your kind words! Refinances can get confusing and I was happy to be able to navigate that together.
  • Encompass
    T
    Tammy M G
    Bloomington, IN
    Posted on December 30th, 2025 12:46 AM
    Quick and fairly painless.
    Reply from Heather Bozarth, Ruoff Mortgage
    December 30th, 2025 04:18 PM
    Hi Tammy- Fairly painless means a lot coming from a nurse! Thanks!
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    Bradley A G
    Bloomington, IN
    Posted on December 29th, 2025 09:51 PM
    Everything went very
    Reply from Heather Bozarth, Ruoff Mortgage
    December 30th, 2025 04:19 PM
    Thanks Brad! I hope move in went well!
    • 81–90 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®?
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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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