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Sonia Niccum-Gunderson, Ruoff Mortgage - VP | Branch Manager | NMLS# 565570 | Ruoff Mortgage NMLS# 141868 in Warsaw, IN
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Sonia Niccum-Gunderson, Ruoff Mortgage

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VP | Branch Manager | NMLS# 565570 | Ruoff Mortgag...

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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... Show More
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Reviews from Web
  • Encompass
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    Hanna E P
    Claypool, IN
    Posted on August 30th, 2025 07:03 PM
    Sonia was amazing and so so sweet ! she helped me with literally anything questions I had and thoroughly explained everything I needed to know! I couldn't have done it without her!
    Reply from Sonia Niccum-Gunderson, Ruoff Mortg...
    September 2nd, 2025 12:49 PM
    Hanna, I appreciate your kind words. It’s great to hear that I was able to assist you with all your questions and provide the information you needed. I'm glad I could support you through the process. If there's anything more I can do for you...
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    Michael F
    Posted on August 30th, 2025 03:34 PM
    Sonia was fantastic and a pleasure to work with!
    Reply from Owner
    September 2nd, 2025 12:50 PM
    I'm happy to hear that you had a positive experience, Michael. It was a pleasure working with you and Lara as well. If you need any assistance in the future, feel free to get in touch.
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    Michael A F
    Warsaw, IN
    Posted on August 30th, 2025 03:33 PM
    Sonia was fantastic and a pleasure to work with!
    Reply from Sonia Niccum-Gunderson, Ruoff Mortg...
    September 2nd, 2025 12:50 PM
    Michael, I appreciate your kind words. It's great to know that you had a positive experience working with me. Please feel free to reach out if you need anything in the future. I wish you and your family a million wonderful memories.
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    Brianne F
    Posted on August 22nd, 2025 05:36 PM
    Sonia is the very best to work with! We always know and trust Sonia will take great care of us!
    Reply from Owner
    August 24th, 2025 07:38 PM
    Brianne, I'm truly grateful for your trust and kind words. It's incredibly important to me that you feel well-cared-for throughout the process. If there's ever anything more you need or questions arise, I'm just a call away. Thank you again...
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    Brianne C F
    Wabash, IN
    Posted on August 22nd, 2025 05:35 PM
    This was our fourth time working with Sonia Gunderson, the last three times have been since she has been with Ruoff. She is the VERY BEST! She is incredibly knowledgeable and always has our best interests in mind! We appreciate how hard she...
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    Reply from Sonia Niccum-Gunderson, Ruoff Mortg...
    August 24th, 2025 07:38 PM
    Brianne, I'm genuinely grateful for your continued trust and collaboration over the years. It's been a pleasure to assist you through multiple experiences, and I'm thrilled to know that you appreciate the care and diligence I strive to provide....
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    Matt K
    Posted on August 19th, 2025 03:09 PM
    Sonia really went above and beyond to make sure everything moved through the process in a timely manner. Her communication was excellent and I did not have to wait for answers. She was also very patient with my amount of questions and concerns....
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    Reply from Owner
    August 22nd, 2025 02:22 PM
    Matt, thank you for sharing your experience. I'm glad that my efforts to keep things moving smoothly and provide prompt communication stood out to you. Addressing your questions and concerns with patience is something I take very seriously,...
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  • Encompass
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    Matthew L K
    Warsaw, IN
    Posted on August 19th, 2025 03:09 PM
    Sonia really went above and beyond to make sure everything moved through the process in a timely manner. Her communication was excellent and I did not have to wait for answers. She was also very patient with my amount of questions and concerns....
    read more
    Reply from Sonia Niccum-Gunderson, Ruoff Mortg...
    August 22nd, 2025 02:20 PM
    Matthew, thank you for sharing your experience. I'm genuinely pleased that my communication and patience helped make the process smoother for you. Ensuring timely progress and being available to address all your questions are key priorities...
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    Bradley A S
    Pierceton, IN
    Posted on August 15th, 2025 06:03 PM
    Sonia was great to work with!
    Reply from Sonia Niccum-Gunderson, Ruoff Mortg...
    August 22nd, 2025 02:23 PM
    Bradley, thank you for taking the time to share your feedback. I'm glad to hear that you enjoyed working with me. It was so nice to realize that this world can be so small at times. :) If there's anything more I can do for you or any questions...
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    Jake S
    KOUTS, IN
    Posted on July 30th, 2025 10:18 PM
    Sonia got me a lower interest r*** than she predicted. Our situation is unique since we are moving across the state and teachers don't get actual contracts until October and she worked with us to get everything properly approved to purchase...
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    Reply from Sonia Niccum-Gunderson, Ruoff Mortg...
    August 22nd, 2025 02:24 PM
    Jake, I'm glad I could assist in navigating your unique situation and secure a lower interest rate than initially predicted. Working with teachers and understanding the timing challenges you face is something I'm committed to. I'm pleased we...
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    Mikayla N S
    KOUTS, IN
    Posted on July 29th, 2025 03:13 PM
    Easy and quick
    Reply from Sonia Niccum-Gunderson, Ruoff Mortg...
    July 30th, 2025 02:44 PM
    Mikayla, I’m glad to hear that you found the process easy and quick. It's important to me that your experience feels seamless and straightforward. Should you have any further questions or need assistance down the road, please feel free to reach...
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    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
    Specialities
    USDA financing
    Pre-approvals
    FHA loans
    Down payment assistance
    Construction loans
    Conventional financing
    VA loans
    First mortgage
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    Positions
    • Ruoff Mortgage - VP Branch Manager
      Jan 22nd, 2024 - Current
    Addresses and Serving Areas

    Year Started

    1984

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • Sonia K. Niccum-Gunderson
    Achievements
    • I have worked in the mortgage industry for over 34 years and absolutely love working with first time homebuyers and help their dream come true.
    Hobbies
    • Hunting
    • Showing my antique cars at car shows
    • Spending time with my family and fur babies.
    • View All
    Disclaimer
    Equal Housing Lender
    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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