Julie Chester, Ruoff Mortgage
Senior Loan Officer | NMLS# 798974 | Ruoff Mortgag...
Additional Licenses: NMLS# 798974 | OH - MLO.042581.001.
My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase or refinance of a home is ... Show More
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Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Excellent service. Keeps you up to date. Also finds every available program to help with lending.
Julie was up to date on everything even though she was going through some personal issues. Everything went smooth and her help was amazing to work with also. Highly recommend.
Julie, was very knowledgeable and easy to work with
Everything was handled in a timely and professional fashion. Julie was extremely helpful and we would recommend her to anyone shopping!
Reply from Julie Chester, Ruoff Mortgage
March 24th, 2026 03:45 PM
It's encouraging to hear that the process was both timely and professional, Tanner. I'm glad to have been of assistance, and your recommendation means a lot to me. Should you have any questions or need further assistance in the future, please...
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Better communication within the Ruoff office as to who was doing what and ensuring ASKs are necessary and/or already addressed.
Reply from Julie Chester, Ruoff Mortgage
March 24th, 2026 03:46 PM
Thank you for your input, Brian. I understand that clear coordination within the office is important, and I appreciate your perspective on this. It's crucial that any requests we make are relevant and previously addressed when possible. I am...
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Julie Chester, Ruoff Mortgage has received a review with 5 star rating from Colton R
Reply from Owner
December 8th, 2025 01:12 PM
Thank you for your perfect rating, Colton. I'm here if you ever need assistance in the future.
Communication!
Reply from Julie Chester, Ruoff Mortgage
December 8th, 2025 01:17 PM
I'm glad communication stood out to you, Colton. Ensuring clear and effective interaction is something I strive for with every client. If you have any more feedback or need further assistance, please don’t hesitate to get in touch. Thank you...
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Julie Chester, Ruoff Mortgage has received a review with 5 star rating from Karen K
Reply from Owner
December 8th, 2025 01:16 PM
I appreciate your rating, Karen. If you have any additional thoughts or need any assistance in the future, feel free to reach out.
As a first time homeowner I was so anxious about the entire process and from the first phone call with Julie she made it all so extremely smooth and possible! Could not recommend Julie and her team more to anyone looking for a lender! Thank...
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Reply from Julie Chester, Ruoff Mortgage
December 4th, 2025 03:21 PM
I'm glad to hear that your experience as a first-time homeowner was smooth, Karen. It's important to us that each step feels manageable and clear. Thank you for your kind words and recommendation! If you have any questions down the road or...
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Julie guided us through this experience with absolute perfection! Pleasant, funny, knowledgeable, and professional is the best way to describe how Julie worked with us! Great experience, highly recommend!
Reply from Owner
December 4th, 2025 03:21 PM
Mel, you're the best. :)
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About
Additional Licenses: NMLS# 798974 | OH - MLO.042581.001.
My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase or refinance of a home is a major decision and should be treated as such. I strive to make this process as easy as possible for each of my clients. My focus is always to be honest, trustworthy, and to communicate frequently, all while offering sound and reliable guidance.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Specialities
First Time Homebuyers
Down Payment Assistance
Conventional - 3% minimum down payment
FHA - 3.5% minimum down payment
VA
USDA - no money down payment
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1984
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 798974
- OH - MLO.042581.001
Hobbies
- Hiking, swimming, reading, playing with grandchildren
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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