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.

Dennis Bobby | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Jacqueline K B.

Saint Clair Shores, MI, Oct 28, 2023, 5:11 PM

5.0

Nothing, everything went well

Duane W M.

Shelby Township, MI, Oct 31, 2023, 3:02 PM

5.0

Excellent throughout entire process!

Mohammed Farhan H.

Warren, MI, Nov 10, 2023, 4:19 PM

5.0

I was updated on every step of the loan process was the most pleasant thing for me.

Joel M C.

Mount Clemens, MI, Nov 23, 2023, 5:33 PM

5.0

Perfect!!!!

Randell T P.

CLINTON TOWNSHIP, MI, Dec 3, 2023, 8:06 PM

5.0

Everything as well as the showing of the property was wonderful I am very pleased with everyone who made my process a great experience

Ulynn U A.

CLINTON TOWNSHIP, MI, Dec 3, 2023, 8:07 PM

5.0

Timing was everything and you all was great with keeping us in the loop on all aspects, Overall very kind and professional we could not have chosen a better company for this experience. Thank you so much

Jacqueline K B.

Saint Clair Shores, MI, Oct 28, 2023, 5:11 PM

5.0

Nothing, everything went well

Duane W M.

Shelby Township, MI, Oct 31, 2023, 3:02 PM

5.0

Excellent throughout entire process!

Mohammed Farhan H.

Warren, MI, Nov 10, 2023, 4:19 PM

5.0

I was updated on every step of the loan process was the most pleasant thing for me.

Joel M C.

Mount Clemens, MI, Nov 23, 2023, 5:33 PM

5.0

Perfect!!!!

Randell T P.

CLINTON TOWNSHIP, MI, Dec 3, 2023, 8:06 PM

5.0

Everything as well as the showing of the property was wonderful I am very pleased with everyone who made my process a great experience

Ulynn U A.

CLINTON TOWNSHIP, MI, Dec 3, 2023, 8:07 PM

5.0

Timing was everything and you all was great with keeping us in the loop on all aspects, Overall very kind and professional we could not have chosen a better company for this experience. Thank you so much

Adrianna L T.

Mount Clemens, MI, Dec 3, 2023, 11:50 PM

5.0

I really appreciated the good communication, speedy response times to questions, and just the encouragement through the process. The team are all rockstars!

April J J.

Ypsilanti, MI, Jan 15, 2024, 5:31 PM

5.0

I was leaving for vacation and everyone worked very hard to figure out a way for the closing to happen before I left. They ended up staying late and doing an evening closing. Everyone was super nice , I enjoyed working with everyone.

DJuan A C.

Detroit, MI, Jan 16, 2024, 7:01 PM

5.0

The team working

Jesse R.

Sterling Heights, MI, Jan 24, 2024, 12:10 AM

5.0

Dennis was excellent. He had a lot of knowledge, available at anytime of day, and helped us at every step of the way.

Amy L B.

Chesterfield, MI, Jan 27, 2024, 4:18 PM

5.0

Dennis and Monica were wonderful to work with! They were thorough, prompt, kind and explained the whole process to us. This was our first home purchase and we were able to buy our dream home! We highly recommend them! Thank you Dennis ,Monica and Ruoff mortgage! - The Bingham Family

Billy J B.

Chesterfield, MI, Jan 29, 2024, 9:17 PM

5.0

Very on top of everything, made our first time super easygoing and stress free amazing people amazing company !!

Christopher B A.

Rochester Hills, MI, Feb 3, 2024, 4:13 PM

5.0

You guys saved the deal!! Amazing!! You make miracles happen!!

Adrianna L T.

Mount Clemens, MI, Dec 3, 2023, 11:50 PM

5.0

I really appreciated the good communication, speedy response times to questions, and just the encouragement through the process. The team are all rockstars!

April J J.

Ypsilanti, MI, Jan 15, 2024, 5:31 PM

5.0

I was leaving for vacation and everyone worked very hard to figure out a way for the closing to happen before I left. They ended up staying late and doing an evening closing. Everyone was super nice , I enjoyed working with everyone.

DJuan A C.

Detroit, MI, Jan 16, 2024, 7:01 PM

5.0

The team working

Jesse R.

Sterling Heights, MI, Jan 24, 2024, 12:10 AM

5.0

Dennis was excellent. He had a lot of knowledge, available at anytime of day, and helped us at every step of the way.

Amy L B.

Chesterfield, MI, Jan 27, 2024, 4:18 PM

5.0

Dennis and Monica were wonderful to work with! They were thorough, prompt, kind and explained the whole process to us. This was our first home purchase and we were able to buy our dream home! We highly recommend them! Thank you Dennis ,Monica and Ruoff mortgage! - The Bingham Family

Billy J B.

Chesterfield, MI, Jan 29, 2024, 9:17 PM

5.0

Very on top of everything, made our first time super easygoing and stress free amazing people amazing company !!

Christopher B A.

Rochester Hills, MI, Feb 3, 2024, 4:13 PM

5.0

You guys saved the deal!! Amazing!! You make miracles happen!!

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†

$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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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.

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

My Latest Blogs

Detroit's $25,000 First Time Home Buyer Grant: What You Need to Know

Oct 7, 2026

If you're searching for ways to make homeownership more accessible as a first time home buyer Detroit, this grant can open doors that once felt out of reach. Many people in this market assume down-payment hurdles are impossible to clear, yet targeted local support exists to change that reality. Understanding the details helps you move forward with confidence instead of guessing.

Meet our happy homeowners***

Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

My Latest Blogs

Experience the Ruoff Advantage

42

15 DAY

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Meet our happy homeowners***

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Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

My Latest Blogs

Experience the Ruoff Advantage

42

15 DAY

98.5%

42

15 DAY

98.5%