

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
Being a first time home buyer I did not know what to expect regarding the process of aquiring a loan. Victor was always 100% on the ball and available nearly immediately at literally ANY time of day or night. He made the process seamless and...
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Victor negotiated two (2) refinances on my home within one (1) year. The significance of this is that he took the initiative on the second one in our best interest to gain a lower interest rate. I was unaware of the opportunity and he could...
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I recently had the pleasure of working with Victor on financing my first house. He made the process fast and easy for me. Not only did Victor help me with the financing aspect, he also worked seamlessly with my realtor and the title company....
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Great experience. Victor was knowledgeable, very attentive to detail and quick to respond. He was able to process my loan request and close in less than 30 days. I would highly recommend him.
I'm a United States Army Vietnam Veteran and i'm writing this review in hopes other Veterans might read this and also to thank Victor Anatolyevich Yefremenko. I was home and my phone rang and on the other end was a Gentleman name Victor. He...
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We've been trying to buy a house for 3 years but never had enough money for the standard 20% down payment. I am self-employed and when I called Vic he was very encouraging but the burden of proof is very much on you! He is very good at getting...
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Victor is a work horse - he is super responsive and always available. He fought hard to get us the best deal on a cash out refinance that would have been hard to find in the marketplace elsewhere. We appreciate the help and are happy to have...
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Victor was very knowledgeable, quick and professional throughout the refinance process on my home. There was a problem with the interest rate that suddenly changed from what was agreed upon on the GFE, which almost tanked the deal. Although...
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Victor was very helpful and knowledgeable in the load process. We were a bit apprehensive at first about the refinancing process, after a couple bad experiences trying to refinance. Victor stayed with us through the entire process, and didn't...
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Victor is simply the best!!! I don’t think anyone else could have done my refinance cash out loan with the low credit score and debt to income ratio that I had but Victor got it done when other banks could not and got me cash out of my refinance...
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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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