Melissa Lutes, Ruoff Mortgage

Name: Ruoff Mortgage - Keystone Crossing
Address: 9100 Keystone Crossing Suite 750, Indianapolis, Indiana, 46240
Telephone: +1-812-639-2041
Rating: 4.98

Senior Loan Officer | NMLS# 234601

Ruoff Mortgage - Keystone Crossing

4.98

(4)

Indiana University Southeast

Mortgage

Mortgage Loan Officer

Indiana University Southeast

Contact Info

(812) 639-2041

Indianapolis, IN

https://www.ruoff.com/melissalutes

https://linktr.ee/melissalutes

Location & Business Hours

Business Hours

Sun

closed

Mon

9 AM to 5 PM

Tues

9 AM to 5 PM

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4.98

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Melissa did an amazing job through the entire process. Everything was clearly explained and great follow up!

Reply from Melissa Lutes, Ruoff Mortgage

July 19th, 2026 08:13 PM

Thank you so much, Molly, for your kind words and for trusting me to help you through such an important milestone! It was truly a pleasure working with you both. I’m so glad you felt informed and supported throughout the process—that’s always...

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My entire experience was fantastic during the home buying process. Any time I had a question, Melissa was there to help me and explain it all to me. I was always told by people that purchasing my first home would be one of the most stressful...

Reply from Owner

May 15th, 2026 09:39 PM

Wendigo, I'm so glad to hear that your home buying experience was enjoyable and stress-free. It was my pleasure to help guide you through the process and answer your questions. Thank you for your kind words and for recommending me to your friends...

Reply from Melissa Lutes, Ruoff Mortgage

May 4th, 2026 08:18 PM

You are soooo sweet and a pleasure to work with. I’m glad I got to know you both better. I’m not going anywhere. Always here to help when you have questions.

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About

Melissa Lutes is a Mortgage Loan Originator based in Bloomington, Indiana, helping homebuyers and homeowners across Indiana navigate the mortgage process with confidence. With 18 years of residential lending experience, Melissa specializes in VA home loans, FHA loans, conventional mortgages, and refinancing. She began her career in Anchorage, Alaska near several military bases, developing deep expertise in the VA loan program and a passion for serving veterans and active-duty military families. Known for clear communication, personalized guidance, and a community-focused approach, Melissa is committed to helping clients make confident home financing decisions.

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Mortgage Refinance

USDA Loans

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Education

Indiana University Southeast