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Picture of Cindy Julian-Shott
Picture of Cindy Julian-Shott

Hi, I'm Cindy!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

97.15% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Cindy!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

97.15% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

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 of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
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What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you

  • Review 1

    Source of Rating Icon

    Cindy Julian was absolutely amazing!!! She made the process as stress free as possible for me and I thank her from the bottom of my ❤️

    Kandice R W.

    Monroe City, IN, November 5th, 2023 10:07 PM

  • Review 2

    Source of Rating Icon

    Cindy would answer any question I had with what seemed to be no hesitation. Work hours after hours and even holidays she made sure I was still informed on what was happening! I would recommend Ruoff Especially Cindy to anyone even outside my friends and family!

    Jake F.

    Robinson, IL, January 2nd, 2024 07:41 PM

  • Review 3

    Source of Rating Icon

    As first time homebuyers, we were not very knowledgeable about the process. Cindy put our minds at ease and answered every question with compassion and understanding. We are so grateful for how hard she worked for us.

    Timothy J T.

    SULLIVAN, IN, January 13th, 2024 07:09 PM

  • Review 4

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    Cindy did such a great job. This is the second time I've used her for a home loan, and the experience was amazing both times

    Gregory Norman K.

    Terre Haute, IN, December 17th, 2024 01:25 PM

  • Review 5

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    Cindy was amazing throughout the loan process! She kept us updated throughout the whole process and answered texts or calls at any time!

    Madeline R K.

    Terre Haute, IN, December 17th, 2024 12:33 PM

  • Review 6

    Source of Rating Icon

    Cindy helped me from start to finish, she did a really good job. I would recommend her to anyon. I was not a fan of her assistant though. I never met the person, but everytime her assistant reached out and was wanting documentation or information about anything she had no clue what she was talking abou, so I would have to reach out to cindy and Cindy always said not to worry about it that she would take care of it. Cindy bent over backwards to make the deal work and it was a long proces, closing was delayed several times due to things other things and each time Cindy was able to get everything fixed. cindy was amazing and if I need a loan officer in the future i will go with Cindy again.

    Levi C. C.

    Terre Haute, IN, November 4th, 2024 11:22 AM

  • Review 7

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    As first time home buyers, Cindy and her team were very helpful and never let up hope in our lengthy process. They continued to help us in anyway possible at any moment of the day. They were great to work with and I high suggest using them for your home buying needs

    Kaydon T.

    Sullivan, IN, November 12th, 2024 11:08 AM

  • Review 8

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    I loved the clear communication and the availability was always there! Everything was always clearly explained and I loved how personable our loan officer.

    Abigail B M.

    Carlisle, IN, October 19th, 2024 04:14 PM

  • Review 9

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    Fast, friendly, and easy to work with. Cindy went above and beyond in every aspect of the loan process. Thanks again. 😊

    Daniel T. P.

    CARLISLE, IN, September 24th, 2024 11:40 AM

  • Review 10

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    Cindy was very knowledgeable and helpful in guiding through this loan process. This was my first time every purchasing a home and going through a mortgage loan process, so I was not completely sure of what to expect.

    Braxton B M.

    Terre Haute, IN, August 1st, 2024 03:42 PM

  • Review 11

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    Cindy was awesome and made the whole house buying process so smooth. I can not thank her enough for everything she has done for me and my house!!

    Logan M H.

    Sullivan, IN, July 6th, 2024 03:03 PM

  • Review 12

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    Cindy was so very helpful throughout the entire process.

    David M H.

    Terre Haute, IN, June 30th, 2024 05:58 PM

  • Review 13

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    Cindy was very knowledgeable. She answered all my questions in a way I understood them. She always got back to me very quickly. Cindy always checked in with me to make sure I felt comfortable with every situation. She always had a very positive and upbeat voice.

    Kristin R.

    Terre Haute, IN, June 30th, 2024 06:00 PM

  • Review 14

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    Everything from answering questions about anything to help finding missing information made everything super easy

    Jordan C.

    Shelburn, IN, June 3rd, 2024 11:35 AM

  • Review 15

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    Everything went as planned. Very smooth and Cindy was very patient with me considering I don't do this e-signing technology very well. But she got me through it. I would definitely recommend Cindy/Ruoff to our friends! Thank you so much!

    oelheimd

    Shelburn, IN, September 24th, 2023 11:28 AM

  • Review 16

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    It was super quick and Cindy was great to work with!

    Chloe S H.

    Sullivan, IN, September 22nd, 2023 12:33 PM

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Why should you choose Ruoff?

65

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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Call me at 812.564.3556 or message me below!

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