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Sheri Watkins, Ruoff Mortgage
Senior Loan Officer | NMLS# 279665 | Ruoff Mortgag...


University of St. Francis
Serving the Greater Cincinnati and Cape Coral/Ft Myers areas are my main focus. I hold licenses in the following states: Florida, Ohio, Kentucky, Indiana, Michigan and Texas.
My customer service philosophy is to treat every customer with r...... Show More
Location & Business Hours
Business Hours
Fri
8 AM to 10 PM
Sat
8 AM to 10 PM
Sun
8 AM to 10 PM
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Reviews from Web
Communication could've been a lot better. There were several times we weren't on the same page and some things didn't get communicated to us very well. I also had to reset my password everytime I tried to log into loan butler on my phone .
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Reply from Sheri Watkins, Ruoff Mortgage
June 12th, 2026 01:22 PM
Carrie, I appreciate you bringing these concerns to my attention. I'm sorry to hear about the communication issues and the trouble you faced with Loan Butler. Please reach out to me directly so I can address these matters more effectively and...
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Sheri was the best and so helpful every single step of the way!!! Couldn't be more grateful I got her as my loan officer!!! EXCELLENT!!! AAAAA+++++
Reply from Owner
May 13th, 2026 04:03 PM
I'm grateful for your kind words, Nate. I'm happy to hear that you felt supported throughout the process. If you ever need assistance in the future, don't hesitate to reach out.
There was never a moment where Sheri wasn't in the loop with me and what needed to be done! I was blessed I got Sheri as a loan officer, it was all so smooth. Couple bumps in the road but nothing Sheri couldn't work out! She's EXCELLENT!!!!...
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Reply from Sheri Watkins, Ruoff Mortgage
May 8th, 2026 03:34 PM
Nathan, I'm grateful for your kind words and for sharing your positive experience. It's appreciated to know that you felt supported throughout the process and that we could work through any challenges together. If there's anything else you...
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Attention to detail and responsiveness. Made the process smooth no complications.
Reply from Sheri Watkins, Ruoff Mortgage
April 20th, 2026 02:03 PM
I'm grateful for your kind words, Jeff. I'm pleased that my attention to detail and responsiveness helped make the process smooth for you. If you ever have more questions or need further assistance, feel free to reach out. Always a pleasure...
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Sheri Watkins, Ruoff Mortgage has received a review with 5 star rating from Jordan S
Reply from Owner
April 20th, 2026 02:03 PM
Thank you for the excellent rating, Jordan. I'm grateful for your support and am here if you need anything in the future.
Sheri went above and beyond. She made every step enjoyable. if I could buy 10 more houses, I'd use Sheri!
Reply from Sheri Watkins, Ruoff Mortgage
April 17th, 2026 06:43 PM
Well, what do you say to that! Let's get to it! It was my pleasure. Enjoy your new home with your perfect little family!
Sheri was knowledgable responsive and great to work with. She was able to commit to and complete our closing in 13 calendar days from offer which was one of the differentiators that set our offer aside from the others.
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Reply from Sheri Watkins
April 17th, 2026 06:44 PM
Thank you for your kind words, Michael. I'm glad I could play a role in making your closing process smooth and efficient. It's appreciated to know that the quick timeline helped set your offer apart. If you need anything else, I'm here to assist....
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Sheri Watkins, Ruoff Mortgage has received a review with 5 star rating from StaticMisfire
Reply from Owner
April 7th, 2026 11:57 PM
I appreciate your positive rating, StaticMisfire. If there's anything more I can do for you, please let me know.
Sheri was great to work with. She kept us up to date on everything, was super friendly, and knowledgeable . Greatly appreciate all the help from her.
Reply from Sheri Watkins, Ruoff Mortgage
March 27th, 2026 03:11 PM
I’m glad to hear that you valued my communication and knowledge, Patrick. Keeping you informed and being a friendly resource throughout the process was important to me. Your appreciation is much valued, and if there's anything more I can do...
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excellent to workwith
Reply from Owner
March 26th, 2026 01:24 PM
I appreciate your feedback, Ida. It was a pleasure working with you, ensuring a smooth experience. If you have any further questions or need assistance in the future, feel free to reach out.
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About
Serving the Greater Cincinnati and Cape Coral/Ft Myers areas are my main focus. I hold licenses in the following states: Florida, Ohio, Kentucky, Indiana, Michigan and Texas.
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
1/1 Year Arm Buydown Program
New Construction Products
USDA, FHA, VA
Search Rank ScoreLearn More →
674
/850
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Education
- University of St. FrancisFinance & Real EstateBachelor of Business Administration (BBA)

Positions
- Ruoff Mortgage - Senior Loan OfficerNov 17th, 2017 - Current
Memberships
- Cape Coral Chamber of Commerce, Women's Council of Realtors
- Women's Council of Realtors
- Women's Council of Realtors, CABR, RPCRA, Cape Coral Chamber of Commerce
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Addresses and Serving Areas
Year Started
1994
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 279665
- KY - MC72811
- OH - MLO.025193.002
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Gallery

Achievements
- Fairfield High School Hall of Fame Class of 1985
Hobbies
- Boating, Concerts & Horseracing
- Attending any sporting event!
- Wine & Food Enthusiast
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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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