Ruoff Home Mortgage

If you're a go-getter, an up-and-comer, or an early riser, First Merchants Bank in Muncie, IN is here for you. We have the banking tools to make your life as efficient as possible, from a bank that begins and ends with people. Since our beginnings in 1893, First Merchants has always understood that our clients are at the heart of everything we do. Our business is focused on supporting the clients and communities we serve. We strive to make our clients feel at home. We demonstrate that we genuinely care, appreciate your trust and keep our promises. From strategic guidance in the boardroom to exceptional marketplace execution, each and every First Merchants employee shares an unwavering commitment to serve our clients with expertise, passion and integrity. Like us, our clients value meaningful partnership. You seek expertise from proven advisors offering sound financial guidance and the resulting peace of mind you receive from banking with First Merchants inspires confidence to continue growing your businesses, building your dream homes and sending your kids to college. We are focused on building deep, lifelong client relationships and providing maximum shareholder value. And our financial professionals work, live, and raise their families in the communities in which we serve. Most importantly, you as our client benefit from our local decision-making because our process is streamlined to a single point of contact. Lastly, our local communities also benefit from First Merchants' involvement and support. First Merchants Bank offers tailored banking solutions for individuals and businesses alike, ensuring our clients get the answers they need. Our Personal Banking services include: Checking Accounts, Savings Accounts, Certificates of Deposits (CDs), Health Savings Accounts, Debit Cards, Credit Cards, Mortgage Lending, Home Equity Loans, Home Equity Lines of Credit (HELOC), Personal Loans, Auto Loans, Mobile and Online Banking, Business Banking and more. We help businesses of all shapes and sizes across multiple industries with specialties such as: Commercial and Industrial, Investment Real Estate, Sponsor Finance, Public Finance, Agriculture, Healthcare (Dental, Veterinarians, Optometrists, Medical), and Practice Finance, Our Commercial Banking division offers Loans, Deposits, Treasury Management and Debt Capital Markets. Our Private Wealth Advisors* provide Investment Consultants, Brokerage Services, Investment Management*, Financial and Estate Planning, Trust Administration, Retirement Plan Services and Private Banking. Our financial advisors help with our clients' problems by listening and providing you with the best solutions possible. *First Merchants Private Wealth Advisors products are not FDIC insured, are not deposits of First Merchants Bank, are not guaranteed by any federal government agency, and may lose value. Investments are not guaranteed by First Merchants Bank and are not insured by any government agency.

Additional Licenses: NMLS# 1528833 | OH - MLO-OH.1528833. My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase or refinance of a home is a major decision and should be treated as such. I strive to make this process as easy as possible for each of my clients. My focus is always to be honest, trustworthy, and to communicate frequently, all while offering sound and reliable guidance.

Capital Trust Home Mortgage Corp, located in Muncie, IN, offers a variety of loan products including conventional, FHA, VA, USDA, and rehabilitation financing, aimed at helping individuals achieve their homeownership goals. Their innovative Union Home Mortgage 1 Down Payment Program allows first-time homebuyers to secure a home with as little as 1% down, with additional contributions from Union Home for qualifying borrowers. The company prides itself on exceptional customer service, with testimonials highlighting their professionalism, responsiveness, and support throughout the mortgage process. They also promote equal housing opportunities and adhere to policies that encourage diversity and inclusion in housing access. Generated from the website