

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 very knowledgeable and got our refinance completed quickly. He was very responsive to any questions we had through the process and able to get us into a conventional loan.
Victor was extremely helpful with our cash out refinance for a new kitchen. He was always prompt to respond (seems to work 24/7!) and made the whole process very quick and easy, despite all the additional requirements that a VA loan throws...
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I was just inquiring about refinance options and not sure if I wanted to go through the refinance process due to several life stressors going on. I didn’t want to have something else on my plate . However after speaking to Victor I found that...
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Victor made everything extremely easy and painless, gave me several options for my situation, and the process was super quick. I would definitely recommend him.
Victor contacted me shortly after I was told I couldnt get a loan to purchase a mobile home. I was upset, but Victor told me he would be able to help.
There aren't enough words to describe our experience with Victor. I would give more than 5 stars if I could. From the very beginning he was extremely responsive and professional, even emailing us on the weekends to work on details of our loan....
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I had been looking for a home cash out loan for a couple of months. Was working with a lender, actually went through two lenders, quit them both due to ridiculous documentation requests. Thankfully, I ended up contacting Cross Country and Victor...
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Victor was great! Refi moved along fast and efficient. Walked me along every step of the and had good suggestions. I will refi with Victor again if the opportunity arises in the future. Highly recommended.
Victor guided me through refinancing my home (a first for me) and the "road bumps" that can be thrown at a home owner. His patience, kindness, and willingness to help and guide me in the right direction was beyond reproach. I will always recommend...
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We have used Victor several times now to refi. From the moment we emailed him to closing was 2 weeks. Vicor made everything super easy. Most days we communicated at least one, and several days was much more. Will use him again!
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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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