

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
Victor was great!! Very knowledgeable and he does what he says. He was patient, kind and very helpful. He kept us up to date from the beginning to closing of our loan. He made the process seems easy. We highly recommend him and will come back...
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Victor was a pleasure to work with. Responsive and patient; Victor took the time to answer all of my questions and walk me step by step with the whole loan approval process. Without a doubt i would recommend Victor to anyone in purchasing a...
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Living his passion! I am a repeat customer, returning because of the quality of product Cross Country provides; polished with Victor's personal touch, his quick responsiveness, and his willingness to take on complex cases like mine!
Victor is amazing and responsive! He does what he says and with honesty. He said it might be challenging with my case but he came back with assurance that I will not be wasting my time and money to go through the process. We are able to close...
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My credit score is not great Many mortgage companies refused my business. Got in touch with Victor and within a few days came up with a great refinancing plan. He is extremely knowledgeable and made the loan process very easy. It took only...
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I am a returning customer because I was so pleased with the fast, efficient, professional and caring attention my family received with our first refinance. I trust Victor to give us expert advice and options that fit our situation. I highly...
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Any questions I have for documentation I receive answer right away Any problems I have with loan processing I was freely contacted to my Victor So I am happy and can recommend to others!!!
Being on a fixed income, I had a challenging situation to relieve my monthly financial stress. Even though I had a high debt to income ratio with a somewhat low credit score, Vic was able to help me refinance my mortgage, paying off most of...
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We talked to many people regarding refinancing but Victor stood out from all of them. First he responds back to you very quickly and gives you the feeling he is only working with you. He saved us money along the way as well as he worked on...
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I got to meet with Victor to help me with my application. He was knowledgeable and easy to work with. He is definitely the guy to go with on your next mortgage need.
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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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