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Picture of Tom Schabel
Picture of Tom Schabel

Hi, I'm Tom!

Senior Loan Officer

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

96.23% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Tom!

Senior Loan Officer

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

96.23% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I’ve been in the mortgage lending industry since graduating from college in 1983 – 35 years! My personal catch phrase has always been, “I want to be your Mortgage Lender For Life!” In order to actually be this, I must provide the service, the expertise and knowledge, and the caring attitude you expect. I take your business seriously. Your homeownership and being able to provide a nice home for your family is of the utmost importance.

Following graduation from Wabash College with a BA in Economics, I worked for 13 ½ years for a moderate-sized lender, working my way up to Vice President and Branch Manager. In 1997, I started my own company and served as President of the company until 2008. I then took a position for a local bank and remained there simply as a Senior Loan Officer for 10 years. I began my position with Ruoff Mortgage in August of 2018.

As a Senior Loan Officer, I bring the experience and knowledge you expect in your loan officer. I believe in putting the customer first in all things. I try to attend all mortgage closings to be with you in what may be the most important transaction of your life. Once we’ve closed your home loan, I want to remain your “Mortgage Lender For Life!”, just as you may have an accountant, an attorney, a family doctor – I want to always be there to help you with your home loan now, and forever.

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President's Club Member

President's club seal 2020

What is your goal?

Buy a Home

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


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*

  • I did want to express my appreciation for Tom Schabel who was very knowledgeable, very responsive and guided us through the process in a very clear and understandable way. I wanted to thank Tom and the Ruoff people for your outstanding work. My wife and I were very interested in getting the closing on the house done in a timely manner to avoid having to renew our lease for our rental villa. We closed on our house in perhaps record time. Thank you for your outstanding handling of our loan

    Troy B, happy client
  • Thoughtful follow up through the entire process of selling and finding exactly what we needed for a new home.

    Paul M, happy client
  • Tom went out of his way to help us even answering emails on weekends. Thanks, Tom! I was shocked to see him at closing. Tom had met me but hadn't met my husband at closing made us feel like old friends.

    Beth M, happy client
  • Everything was great. Tom Schabel was fantastic to work with. I have recommended him to several people who I know of one who is working with him on a refi.

    Beth S, happy client
  • Tom Schabel and your team did an awesome job. I have trusted Tom for several loans. He is such a pleasure to work with!! I will recommend him to everyone I know.

    Brenda M, happy client
  • Tom and his team at Ruoff made everything easy and understandable in refinancing my home. As a single mom, I don’t have a lot of time to spare and they made the process so much easier, even meeting me in my home to finalize the closing of the loan! I am so thankful for Ruoff and all of their help in my refinance!

    Tara B, happy client
  • I could trust Tom Schabel blindly with this mortgage process. He is a man of extremely high integrity. Tom was very quick with getting back to me and made this whole process soooo easy! Thanks, Tom!

    Kimberly B, happy client
  • You guys did everything well, and we cannot say enough great things about Tom Schabel! He is the best! A+

    Michael J, happy client
  • Tom is top-notch!! This was our second refi with him and we purchased a new home in 2019 with him by our side. Tom has the ability to make the confusing understandable to my wife and me. We had no worries through the whole process (which was extremely quick) because of Tom’s follow up and amazing customer service.

    Dean B, happy client
  • Tom was great to work with, it was a much easier process than expected! Very happy with how it went.

    Cordon G, happy client
  • My questions were answered with clear answers. I especially appreciated the quick responses to my texts, calls and emails.

    Nancy H, happy client
  • This was our first time going through the mortgage process. Tom was quick to respond and made sure everything was clear.

    Elysia M, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

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I would love to hear from you!

Call me at 317.626.2459 or message me below!

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