

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
I was working with Victor in the beginning of my home buying process, but ended up switching to a different consultant within the same company for reasons listed below. I would also like to preface this review by saying I rarely leave negative...
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Victor Y, Paul C and Tealla B were all very helpful. They stayed in constant communication with me through phone, email and text and Vic was often available late hours to address questions I had with the mortgage process. His team members Paul...
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Should be Victor's credo. From start to finish Victor was with us every step of the way. We had a few bumps in the beginning with the appraiser that was assigned to us, but Victor took care of the problem and got us a new one and things went...
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I had challenge after challenge with my re-fi, but each time, Victor rolled up his sleeves and found solutions. He is creative, honest, forthright, persistent, and will advocate on your behalf during the entire process. I would recommend him...
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He always kept me in the loop of what was happening and what step in the process I was in. This helped me greatly because I am a first time home buyer and this is the first time using my VA home loan. I wasnt for sure of how everything worked...
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Victor knows what he is doing and is very helpful and he has a good personalty attached to him. I will advice my brothers to refinance with him because of the how easy he made the process for me. The people that also work for him are great...
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Communicated well and always quick to respond. Was able to save me a good chunk of change on closing costs too. Would recommend to anyone refinancing.
I don't often do this, but this situation call for it. Victor handled a very, very tricky situation for me, and not only did he manage all of it for me, he closed my loan in under 3 weeks! Start to finish, done. I'm in Seattle, which is a hyper-insane...
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He streamlined the whole process and it went smoother than I could ever had imagined. Thanks to him and his staff for making the whole process as painless as possible.
Victor made this a quick and seamless process. Process started by him contacting me. He had done a refinance for my wife and I about 4 years ago. He knew what rate he locked us in at then and knew what rate he could get us down to. If you are...
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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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