When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Rusty Darner | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Walker Lane M.

Newcomerstown, OH, Aug 11, 2026, 3:24 PM

5.0

everyome was quick and on top of everything at all times and made the process quick and easy

Kerry Danielle F.

Byesville, OH, Aug 11, 2026, 11:02 AM

5.0

Everyone was great to work with!

Sean H.

Malta, OH, Aug 10, 2026, 3:05 PM

5.0

The whole experience was great as usual this is my second time using Ruoff and Rusty darner personally

Brady L H.

Cambridge, OH, Aug 11, 2026, 10:20 PM

5.0

Rusty and the team was awesome !

Tiffany Jean M.

Newcomerstown, OH, Aug 8, 2026, 3:45 PM

5.0

The entire process moved quickly and seamlessly with all the documents well laid out, explained, and easy to access at any time. Even when a unique "road bump" appeared in our loan process, it was handled quickly with full transparency. This has been such a great experience for purchasing my first home.

Theresa A B.

Fresno, OH, Jul 31, 2026, 7:10 PM

5.0

I was complet by ely in the dark about refinancing and everyone on the team was open and up front and calmed any fears or apprehension i was feeling

Walker Lane M.

Newcomerstown, OH, Aug 11, 2026, 3:24 PM

5.0

everyome was quick and on top of everything at all times and made the process quick and easy

Kerry Danielle F.

Byesville, OH, Aug 11, 2026, 11:02 AM

5.0

Everyone was great to work with!

Sean H.

Malta, OH, Aug 10, 2026, 3:05 PM

5.0

The whole experience was great as usual this is my second time using Ruoff and Rusty darner personally

Brady L H.

Cambridge, OH, Aug 11, 2026, 10:20 PM

5.0

Rusty and the team was awesome !

Tiffany Jean M.

Newcomerstown, OH, Aug 8, 2026, 3:45 PM

5.0

The entire process moved quickly and seamlessly with all the documents well laid out, explained, and easy to access at any time. Even when a unique "road bump" appeared in our loan process, it was handled quickly with full transparency. This has been such a great experience for purchasing my first home.

Theresa A B.

Fresno, OH, Jul 31, 2026, 7:10 PM

5.0

I was complet by ely in the dark about refinancing and everyone on the team was open and up front and calmed any fears or apprehension i was feeling

Nicole B.

Zanesville, OH, Jul 25, 2026, 2:44 AM

5.0

Good communication. Quick to respond & answer our questions. Always kept us updated on the process

Jeffrey Scott H.

Roseville, OH, Jul 20, 2026, 7:40 PM

5.0

Everything was will done Rusty was a great help

Jonathan H.

Canal Winchester, OH, Jul 20, 2026, 12:15 AM

5.0

Communication and knowledge was excellent!

Hailey Samantha C.

Zanesville, OH, Nov 19, 2025, 3:15 PM

5.0

Very consistent communication. Always there to answer questions.

Mikel C.

Heath, OH, Nov 10, 2025, 4:17 PM

5.0

Rusty was absolutely incredible to work with as my loan officer! I’ve worked with him before, and every single time he makes the process seamless, stress-free, and actually enjoyable. His communication, professionalism, and attention to detail are second to none. I’d trust Rusty with any loan transaction and will always recommend him to anyone looking for a top-tier loan officer who truly cares about his clients.

Tammi M.

West Lafayette, OH, Jan 26, 2026, 4:10 PM

5.0

Rusty and the whole team was wonderful! I have recommended the whole team to several people already

Jamie T.

Logan, OH, Feb 15, 2025, 11:15 PM

5.0

Excellent communication and a super smooth process!

Nicole B.

Zanesville, OH, Jul 25, 2026, 2:44 AM

5.0

Good communication. Quick to respond & answer our questions. Always kept us updated on the process

Jeffrey Scott H.

Roseville, OH, Jul 20, 2026, 7:40 PM

5.0

Everything was will done Rusty was a great help

Jonathan H.

Canal Winchester, OH, Jul 20, 2026, 12:15 AM

5.0

Communication and knowledge was excellent!

Hailey Samantha C.

Zanesville, OH, Nov 19, 2025, 3:15 PM

5.0

Very consistent communication. Always there to answer questions.

Mikel C.

Heath, OH, Nov 10, 2025, 4:17 PM

5.0

Rusty was absolutely incredible to work with as my loan officer! I’ve worked with him before, and every single time he makes the process seamless, stress-free, and actually enjoyable. His communication, professionalism, and attention to detail are second to none. I’d trust Rusty with any loan transaction and will always recommend him to anyone looking for a top-tier loan officer who truly cares about his clients.

Tammi M.

West Lafayette, OH, Jan 26, 2026, 4:10 PM

5.0

Rusty and the whole team was wonderful! I have recommended the whole team to several people already

Jamie T.

Logan, OH, Feb 15, 2025, 11:15 PM

5.0

Excellent communication and a super smooth process!

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Property Tax

/mo.

Homeowners Insurance

/mo.

HOA Fees

/mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

President's Club

3x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Meet our happy homeowners***

Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

Experience the Ruoff Advantage

42

15 DAY

98.5%

42

15 DAY

98.5%

Meet our happy homeowners***

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Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

Experience the Ruoff Advantage

42

15 DAY

98.5%

42

15 DAY

98.5%