

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
This is my second refinance with Victor and it could not have been easier! He is thorough and does a great job. I will recommend him to anyone looking to refinance!
Vic was in a tough spot on my list of mortgage companies. Actually at the bottom when we started. But he offered the best rate, and was honest up front about what he could offer, so he even beat out our local favorites. We wanted to give our...
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Victor answered all my questions quickly and completely. He was very helpful and patient with my anxious issues and completed my re-finance process in as short a time as possible. Very helpful.
Victor provided me with the best rates and costs for my refinance. He was very responsive throughout the process. I highly recommend Victor for your next mortgage or refinance!
Vic was very helpful in getting my refinance loan processed in the quickest possible time. I found him to be very knowledgable and extremely hard working guy. It was a pleasure working with him from beginning to end. I would not hesitate to...
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I just completed a refi with Victor and am very pleased with the results. Victor is extremely knowledgeable and his super quick communication is the best. Vic responds to emails almost immediately (day or night). He is very helpful in guiding...
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I was referred to Vic by a friend and I am glad I found him. Vic helped us close on a refinance of an FHA loan. No more PMI! Throughout the process Vic always did exactly what he said he would. He's fast, reliable, and a great communicator....
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Victor has gone above and beyond to help us with our refinancing. He provided immediate responses to our questions and concerns. There were some issues that needed to be resolved, but he was extremely knowledgeable and was able to get the details...
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AWESOME! EVERYTHING THAT WAS DISCUSSED THE FIRST DAY HAPPENED. THE REFINANCE CLOSED AS ORIGINALLY DISCUSSED. EVERY QUESTION I HAD WAS ANSWERED IMMEDIATELY. EVERYTHING WAS UPFRONT WITH ABSOLUTELY NO SURPRISES. MOST IMPORTANTLY I ENJOYED VERY...
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Closed refinance loan.Vic was great and very professional! I think he never sleeps! He always responded to my questions rapidly so we could get the refi done quickly. It went very smoothly and I got exactly what was promised. Merci Vic!
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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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