

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
It was great to work with Vic. He is very knowledgeable about his industry. He is straightforward and will let you know exactly what needs to be done in order to qualify for the product that best fits your financial situation. He will be a...
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Victor helped me with a home refinance with cash out to make improvements. He is experienced and knowledgeable about the market and loan process, and was very responsive to my queries. Because the timing of my refinance coincided with an increase...
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Victor delivered on everything he said he would. He delivered on the rate he promised, which was already lower than what I was able to find from competitors. This is my second loan with him that I have closed, and I am looking forward to when...
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This was my first time buying a home, and from day one, Victor was so great to work with. He answered all of my many questions, and he was always very quick to get back to me. It was a process, but he was there every step of the way. The best...
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Victor followed through from day 1. He was able to get an appraisal within 72 hours to see if the cash out refinance would work. Gave me different options, with no pressure to go either direction. The rate is lower than any other competitor...
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I would like to recommend Victor to anyone who wants excellent service and results. Victor is professional and an expert in all aspects of real estate and customer care. His immediate responsiveness and hands-on helpfulness gave me confidence...
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I've used Victor and his company twice for my refi needs. Even though I was on the west coast, Victor was always there to answer my questions when needed and eased my nerves during the loan process. Always knowledgeable, gets rid of those loan...
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Victor assisted me in a VA refinance to cashout of my mortgage.I told him my situation and but didn’t think that he would be able to help. Against all odds, Victor quickly went to work and got an appraisal on my property then aggressively worked...
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Despite being in the Pacific NW, Victor was able to accommodate my questions and provide assistance in a manner that adjusted to "my schedule." Victor provided updates on every turn, and gave simple, clear explanations on what saves you the...
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Victor is knowledgeable, thorough and efficient. He is very easy to talk to and wants to help. No matter how many times you call or email he responds quickly. If anyone out there wants a great experience with a mortgage or refi call Victor!Thank...
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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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