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Sheila Welsh

Senior Loan Officer

NMLS: 364985

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Sheila

99.75%

Customer Satisfaction Score.

Scotsman Guide AwardPresident's Club Award

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Kaylena Isabel C.

Lafayette, IN, Nov 3, 2026, 4:28 PM

5.0

Sheila was wonderful from start to finish. She helped me purchase my first home. She explained everything clearly, answered any questions I had, and was always available to get ahold of whenever I needed! I couldn't have asked for a better individual to guide me into this new chapter!

Review 2

Peyton S.

Lafayette, IN, Feb 21, 2026, 4:05 PM

5.0

Sheila was always in constant communication with me to keep me updated on the loan process. She worked very hard to make sure every aspect was covered and always gave me the best and easiest option to relive the stress of home buying. Sheila made the process simple and allowed me to close almost two weeks early because of her hard work.

Review 3

Sara S.

Monticello, IN, Apr 19, 2026, 7:41 PM

5.0

I've worked with Sheila before & that's the exact reason why I reached out to her again. She never disappoints & never misses a detail. Ms. Welsh is a delight to work with. I'll always recommend her!

Review 4

Chevelle D.

Delphi, IN, Oct 16, 2026, 3:08 PM

5.0

long nights fighting for information needing to close on the house!

Review 5

Acelynn M.

Delphi, IN, Oct 14, 2026, 3:06 PM

5.0

Shelia was amazing helping us through the process and explaining things and going over things as many times as we needed her to.

Review 6

David H S.

Lafayette, IN, Sep 23, 2026, 3:04 PM

5.0

Sheila was great to work with. very organized, great communication, always available for questions, quick replies. would definitely use you guys again and am recommending you to others

Review 1

Kaylena Isabel C.

Lafayette, IN, Nov 3, 2026, 4:28 PM

5.0

Sheila was wonderful from start to finish. She helped me purchase my first home. She explained everything clearly, answered any questions I had, and was always available to get ahold of whenever I needed! I couldn't have asked for a better individual to guide me into this new chapter!

Review 2

Peyton S.

Lafayette, IN, Feb 21, 2026, 4:05 PM

5.0

Sheila was always in constant communication with me to keep me updated on the loan process. She worked very hard to make sure every aspect was covered and always gave me the best and easiest option to relive the stress of home buying. Sheila made the process simple and allowed me to close almost two weeks early because of her hard work.

Review 3

Sara S.

Monticello, IN, Apr 19, 2026, 7:41 PM

5.0

I've worked with Sheila before & that's the exact reason why I reached out to her again. She never disappoints & never misses a detail. Ms. Welsh is a delight to work with. I'll always recommend her!

Review 4

Chevelle D.

Delphi, IN, Oct 16, 2026, 3:08 PM

5.0

long nights fighting for information needing to close on the house!

Review 5

Acelynn M.

Delphi, IN, Oct 14, 2026, 3:06 PM

5.0

Shelia was amazing helping us through the process and explaining things and going over things as many times as we needed her to.

Review 6

David H S.

Lafayette, IN, Sep 23, 2026, 3:04 PM

5.0

Sheila was great to work with. very organized, great communication, always available for questions, quick replies. would definitely use you guys again and am recommending you to others

Review 7

Bradley M.

Westpoint, IN, Sep 7, 2026, 4:05 PM

5.0

Sheila was great helped us work thru some issues but got the closing done hat worked well with all involved.

Review 8

Christopher Solomon A.

West Lafayette, IN, Aug 30, 2026, 2:30 AM

5.0

They made the process easy and efficient.

Review 9

Mary W.

West Lafayette, IN, Aug 30, 2026, 1:19 AM

5.0

Sheila was amazing to work with! She was always available, Followed up on my questions, great, clear communication. She was a blessing to me in this process.

Review 10

Bradley Taithin G.

Battle Ground, IN, Aug 26, 2026, 3:10 PM

5.0

Clear Communication

Review 11

Nabiel A.

West Lafayette, IN, Aug 26, 2026, 12:32 AM

5.0

Shiela was very helpful in getting the best mortgage that fits our situation very organized and knowledgeable!

Review 12

Kaylin M.

Battle Ground, IN, Aug 25, 2026, 3:06 PM

5.0

Sheila was amazing and always on top of the things we needed to get done! Ruoff was excellent to work with and I appreciate everything they did to get us our first home!

Review 13

Nesrin A.

West Lafayette, IN, Aug 21, 2026, 6:43 PM

5.0

Sheila was very professiona, her skills and knowledge were very evident throughout the loan proces!

Review 7

Bradley M.

Westpoint, IN, Sep 7, 2026, 4:05 PM

5.0

Sheila was great helped us work thru some issues but got the closing done hat worked well with all involved.

Review 8

Christopher Solomon A.

West Lafayette, IN, Aug 30, 2026, 2:30 AM

5.0

They made the process easy and efficient.

Review 9

Mary W.

West Lafayette, IN, Aug 30, 2026, 1:19 AM

5.0

Sheila was amazing to work with! She was always available, Followed up on my questions, great, clear communication. She was a blessing to me in this process.

Review 10

Bradley Taithin G.

Battle Ground, IN, Aug 26, 2026, 3:10 PM

5.0

Clear Communication

Review 11

Nabiel A.

West Lafayette, IN, Aug 26, 2026, 12:32 AM

5.0

Shiela was very helpful in getting the best mortgage that fits our situation very organized and knowledgeable!

Review 12

Kaylin M.

Battle Ground, IN, Aug 25, 2026, 3:06 PM

5.0

Sheila was amazing and always on top of the things we needed to get done! Ruoff was excellent to work with and I appreciate everything they did to get us our first home!

Review 13

Nesrin A.

West Lafayette, IN, Aug 21, 2026, 6:43 PM

5.0

Sheila was very professiona, her skills and knowledge were very evident throughout the loan proces!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

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Sheila Welsh

A Bit About Me

With more than two decades in the mortgage and real estate industries, I know that as a mortgage planner, my job is not simply to facilitate the loan; my job is to be a trusted counselor. Counseling clients through the home-buying process, which can be a difficult and stressful experience, my expertise allows clients to feel at ease knowing that I am providing excellent service each step of the way. My wealth of knowledge continually places me as a top producer among my peers.

Ruoff Mortgage offers a comprehensive selection of loan products to fit your needs. I will help you navigate through the mortgage loan process, providing you with a prompt, smooth, and professional transaction.

Awards & Achievements

Top Mortgage Lenders Award

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 Award

President's Club

5x Winner

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

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Indiana

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******†††‡Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.