Kim is truly an expert in her field! As first time home buyers we were extremely new to everything. Kim really went above and beyond. She helped us to apply for a USDA loan which we had never heard about before and it made all the difference....

Reply from Kim Melton, Ruoff Mortgage

August 13th, 2026 04:51 PM

Elizabeth, I'm pleased to hear that I could assist you with your first home purchase and introduce you to the USDA loan option. Your kind words mean a lot, and I'm grateful for your recommendation. If you have any more questions or need further...

No matter where we were in the loan process, Kim or one of her associates was only minutes away. Had several questions along the way and I had only to ask and help was there. That is precious when you don't know the "waters." At no time was...

Reply from Kim Melton, Ruoff Mortgage

August 12th, 2026 07:01 PM

Thomas, I'm grateful for your kind words Being available to answer your questions and guide you along the way is very important to me and we make that the #1 priority for my team. If you have any questions in the future or I can be of any help,...

If you are shopping for a mortgage, stop searching and ask for Kim. She guided us through our home purchase with a level of communication we did not know existed in this industry. Her entire team are consummate professionals. Updates landed...

Reply from Owner

August 12th, 2026 07:09 PM

Paul, I appreciate your kind words and am happy to hear that you had a smooth home purchasing experience with my support. I'm grateful for your trust and look forward to helping any family and friends you send my way. If you ever need anything...

Reply from Kim Melton, Ruoff Mortgage

August 10th, 2026 04:30 PM

Paul, thank you so much for your incredibly kind words! It was truly a pleasure helping you and Elizabeth through the home-buying process. It is always my goal to give clear and quick communication along with attention to detail to make he...

Kim Melton, Ruoff Mortgage has received a review with 5 star rating from Crystal

Reply from Owner

August 6th, 2026 03:00 PM

Thank you, Crystal, for the perfect rating! I'm pleased to know you had a good experience with my services. If I can be of any help in the future just let me know. I am happy to help.

Great people. Easy to understand

Reply from Kim Melton, Ruoff Mortgage

August 6th, 2026 03:01 PM

Crystal, I'm grateful for your kind words. It's nice to hear that you found the process easy to understand. If there's anything more I can assist you with, please let me know.

Kim Melton, Ruoff Mortgage has received a review with 5 star rating from Nick M

Reply from Owner

August 6th, 2026 03:02 PM

Nick, I appreciate your 5-star rating! If you ever need assistance or have questions, I'm here to help.

Kim consistently shows up and gets results! She’s been my lender through about 5 homes in the last 7 years. I’d never call anyone else. Kim is knowledgeable, ALWAYS available, and treats you like family. Kim was my lender on a new construction...

Reply from Kim Melton, Ruoff Mortgage

August 6th, 2026 03:30 PM

Michael, I truly appreciate your kind words and ongoing trust over the years. I I'm here to support you with any current and/or future needs and I am thankful for your business and your friendship!

I’d recommend Kim over and over again. She’s responsive- often times late in the evening if she’s needed. She’s knowledgeable and extremely creative to explore all options for your specific needs. She’s seen it all and helped all types of buyers...

Reply from Owner

August 6th, 2026 12:00 AM

Michael, thank you so much for the wonderful review and for continuing to trust me with your mortgage needs over the years! It's always my pleasure working with you, and I truly appreciate your confidence in me. I'm grateful for your referrals...

Friendly people

Reply from Kim Melton, Ruoff Mortgage

July 21st, 2026 05:28 PM

Richard, I appreciate your kind words about the friendly people here at Ruoff Mortgage. If there's anything more I can assist you with, please let me know.

10 of 141

About

At Ruoff Mortgage our mission is to guide homebuyers and homeowners at every step with experience and commitment so they can achieve their goals and move into their homes with confidence. In order to ensure a seamless loan process, customer service is at the core of what we do and has been for the past 40 years. By sharing knowledge and showing support, Ruoff Mortgage helps our customers see the potential and excitement in the homeownership experience

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Mortgage Refinance

Specialities

First Time Home Buyer

Conventional Loans

Refinance

Cash Out Refinance

FHA Loans

VA Loans

Renovation Loans

New Construction Loans

View All

Year Started

1984

Time Zone

Eastern Standard Time (EST)

Disclaimer

NMLS CONSUMER ACCESS

Licensing | Privacy | Contact Us