

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
My re-fi was less than a typical loan thankfully, Victor is an expert in his field of work and was able to assist me in a responsive manner. He really knows his stuff; I must say Victor exceeded my expectations. Thank you for making my refinance...
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I have worked with a lot of lenders and lending agencies in my life, but Victor is at the top of the pile. He helped me navigate a refi for a rental property in another state, while reviewing my many different sources of income. He assisted...
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I was in the market for a refi loan with cash back and was fortunate to get in contact with Victor at Cross Country Mortgage. From the initial contact with Victor he listened and understood what my needs were for a refi. Several other lenders...
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Vic provided good counsel on the various mortgage options I could choose from. We closed on time and everything went as expected. It is very apparent that he has a thorough understanding of the industry.
I have had at least 10 mortgages in my life and the last two were through Victor Yefremenko. I will never go to anyone else due to his thoroughness, efficiency and vast industry experience. He makes the process very quick and easy. I Highly...
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Victor found me an awesome deal. I wasnt an easy client and Victor persevered through it all. He wouldnt rest until we got the final approval. If you're looking to refinance, consolidate debt or both, Victor is your man. He saved me several...
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We have had the opportunity to work with Victor on two refinances over a two year period and each time we successfully accomplished our goals.I, like many people, carry my desk top in my phone. Victor's entire team is well versed in the status...
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I can't thank Victor and his team for the work they did to ensure that we got our dream home. We had some complications on our end, but they made it happen. Thanks to them for their perseverance!!!
This is my 2nd successful refi with Victor within 12 months. He lowered my monthly payments with a lower interest rate and I didn't even need an appraisal. So much easier/faster staying with the same lender/consultant! Skipped 2 payments to...
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As new home owners my Fiance and I was not very educated on the process, but Victor sat down and explained everything to us and was able to get us a great deal. I would recommend Victor to anyone who is thinking about getting a new home. Victor...
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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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