"The best way to have a smooth purchase or refinance is to work with an experienced loan officer who knows the current underwriting requirements and prepares you for the paperwork and questions. The more you know and prepare up front, the smoother your experience will be." Hello, my name is Helen Ruehmer and I am a professional loan officer. I help people by arranging their financing when they purchase or refinance their home. I started originating residential mortgage loans in January 1996. I grew up on the west side of Cincinnati. I've lived in NKY and Cincinnati. As a local loan officer, I know the ins and outs of the tri-state markets. WHO I HELP I help first time home buyers and I help buyers that have owned a home before. People trust me to take care of their clients, family, friends and co-workers. HOW I HELP THEM I take a thorough application upfront. Part of my job is to anticipate what an underwriter is going to ask for and collect the information, explanations and documents. I coach borrowers through this process. If you haven't bought a home in the last few years, you'll find that the process is significantly different. People only think about home financing a few times during their life. I think about it every single day. To the borrower's advantage, I stay on top of the changes to program guidelines and industry trends. During the process, I communicate with the borrowers and the Realtors about the status of the loan. WHY WORK WITH ME Not all loan officers are alike. I truly believe that I am the best at providing an excellent overall experience. I love what I do. I've built my reputation as a trusted loan officer by providing personal service, talking with borrowers in a relatable manner, being a "straight shooter" and by being knowledgeable about financing. I care about earning your trust. VETERANS I am a certified VA Mortgage Advisor, Military & Veteran Housing Advisor and VP of the local VAREP.