

Vic Yefremenko, Ruoff Mortgage NMLS# 162878
Senior Loan Officer NMLS# 162878


Cleveland State University
Helping clients close on time starts before the week even begins. By starting my workweek on Sundays, my team stays ahead of deadlines, helping deliver two-week closing timelines when possible while providing exceptional service to both hom... Show More
Location & Business Hours
Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Even though I did not meet him in person, Victor and the team worked excellently on my behalf. The team helped with the refinance of my home. They were easily accessible, by phone, text, regular email and secured email. They answered my questions....
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Victor is one of the hardest working dedicated to his job people I have ever met. He answered my questions in a timely manner, via email, text, phone call, even weekends and sometimes, as late as 11pm his time! Great communication, kept me...
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I tried to refinance my home about four months ago, however the other well-known bank could not offer me an acceptable proposal. I gave up hope for a while, and then I found Victor's lender profile. With little optimism, I reached out to him....
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Throughout the process of IRRRL, Vic has been right there to assist ensuring the application process was completed by me and submitted to the home office to be processed. By being available to me, following the paper trail, I was at ease during...
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Victor is an expert at help couples like my wife and I with working their way through the refinancing process. He kept us informed every step of the way, so we weren't left wondering what was happening. If your looking for someone that has...
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Victor was able to pull off an extremely difficult loan for us. He worked hard and never gave up. I would highly reccomend him and his team. Thank you Victor!
Victor was SUPER and really helpful throughout the whole process and this is my first time for REFI and Victor has been a great help with responsive communication and work for all the time, day and night. Please DO NOT HESITATE to go with Victor...
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Victor was motivated to get the loan done - and there were plenty of challenges to overcome. He made the whole transaction a pleasure. It would not have worked out so fast or so smoothly without the extra effort he put in to the deal. I could...
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Victor took us on after being denied by the bank because one of us had a score under 640.He is fast past paced and I pretty sure never sleeps! As result he stays on top of all the logistics to get it done quickly(this is not easy with the VA),...
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This is my second time working with Victor, he has always been helpfull, as well as always available to answer any and all questions quickly. We got a great rate and couldnt be happier, not to mention no more PMI! Would highly recommend.
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About
Helping clients close on time starts before the week even begins. By starting my workweek on Sundays, my team stays ahead of deadlines, helping deliver two-week closing timelines when possible while providing exceptional service to both homebuyers and Realtor partners. With nearly 20 years of mortgage lending experience, I specialize in first-time homebuyers, down payment assistance, credit improvement strategies, cash-out refinances, FHA, VA, USDA, conventional, and jumbo loans. Whether you're purchasing, refinancing, or exploring your options, you'll receive responsive communication, expert guidance, and personalized service every step of the way. I'm available seven days a week by phone, text, or email because helping people achieve homeownership is both my passion and my privilege.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
DSCR Loans
Bank Statement Loans
Specialities
FHA, VA, USDA, CONV, DSCR, BANK STATEMENT, DPA, OHFA, Communities First, Cash out Refinance
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Education
- Cleveland State UniversityReal EstateInternational Business

Positions
- crosscountry mortgage - Senior Loan officerAug 10th, 2009 - May 10th, 2018
- Rate - VP of LendingJul 30th, 2025 - Apr 14th, 2026
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2007
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS: 162878
- OH: MLO.031716.003
Awards
Achievements
- $450,000,000 in Funded Mortgage Volume since 2007
- EMT certified
- BIlingual
Hobbies
- skiing, watersports, traveling, boating
- cooking, basketball, yoga
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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