

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
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Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
As the title read I personally recommend Victor to handle anybody's home loan. This was the the first time I have ever refinanced a home and Victor made it go smoother then when I first purchased my home. The man is awesome at responding back...
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This is now the 3rd refi Victor has done for us. This time was super easy. He was able to get our rate down, our closing costs to near 0, our payment 2 months into the future, PMI removed, and everything was super fast and easy.
Victor and his team made our purchase experience smooth and speedy. He quickly built a relationship to understand our need and situation and developed a game plan that helped us close a deal within 30 days. He worked around the clock including...
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My husband and I have been trying to refinance for a few months. We spoke with multiple lending institutions and kept feeling the same way over and over again while working with them.... Disappointed. We finally met Victor and his team. What...
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Things financially for my wife and I were pretty bad. I contacted 4 mortgage companies including the one I currently had, all said no, not possible to refinance so don't even bother applying. Credit score in the mid 500's, too high of a debt...
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I reached out to Victor and he helped me every step of the way. The whole process was fast and easy. Victor is a stand up guy. I felt comfortable working with him. He's personable and kind. I could call him day or night and always glad to help....
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Six months after purchasing my last home, the refi offers started pouring in, sometimes 5-6 a day. I wanted to refi having bought during higher interest rates, but how to decide? After reading all of these reviews on Victor I thought there...
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In our 50+years of personal home financing experience, we have never had a more fully-engaged agent than Victor. Victor is not only an expert in his field, but very personable. He was spontaneously responsive to all our inquires, no matter...
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Victor and his team worked around the clock to get our loan not only approved, but closed in record time. He was available any time and made you feel as if he was working only for you. If you have less than perfect credit- he can help you when...
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Victor was very attentive to me as a client in that he isvery responsive to questions and inquiries. Itseems like he never gets any sleep as he answers calls whenothers would be out for the night. Given theclimate of the mortgage rate industry,...
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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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