High Contrast:
Get Started
Picture of Florence Davis
Picture of Florence Davis

Hi, I'm Florence!

Senior Loan Officer

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

99.44% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Florence!

Senior Loan Officer

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

99.44% 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.
Get Started

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

    Where can I start? Flo has worked with me for almost 2 years trying to get me into my new home. She’s nothing short of amazing, the knowledge she has and the skill required to keep all the moving parts of this process accounted for was impressive. Literally any snag you could think of, we encountered, and with every set back she had a solution. The highs and lows of this experience alone were taxing mentally and emotionally, but Flo kept me on track and was supportive. I truly don’t think this would have been possible without her, she’s a rockstar. I would also like to add that whenever I talked to any friends or colleagues about closing or financing, they’re responses were pretty much across the board “they’re gonna miss something with the financing, because my mortgage officer did.” “Don’t expect for it to go smoothly on closing day” “I got screwed over by my lender.” Blah blah blah. I didn’t realize how uncommon my positive experience was, because I knew with certainty Flo wouldn’t miss anything! many many many many many thanks. I’m so thankful that I was referred to Ruoff, I finally have a home to call my own!

    Nicholas H B.

    Cincinnati, OH, August 11th, 2024 11:31 AM

  • Review 2

    Source of Rating Icon

    What can I say about Flo that I’m sure hasn’t been said by anyone lucky enough to work with her? I started my mortgage process with xxxxxx Mortgage and had the absolute worst experience in any customer service capacity of my life. Due to them, I lost the house I initially wanted. Then I found Ruoff, and Flo changed everything. She made every single step of the way as simple as humanly possible, taking my nightmare and turning it into a dream come true! I know Ruoff didn’t help me find my new house, but it almost feels like I never would’ve found it without them. My loan officer was extremely knowledgeable, and able to navigate the issues I ran into with xxxxxx easily! I can’t even begin to tell you how much Flo’s inviting demeanor and expertise reduce my stress in arguably the most stressful experience of mine to date. I can’t thank the whole team at Ruoff enough for helping me secure my house and going out of their way to help me every step of the way!

    Alex S.

    New Carlisle, OH, July 2nd, 2024 01:35 PM

  • Review 3

    Source of Rating Icon

    Florence was very friendly and easy to talk to. That was greatly appreciated!

    Barbara A W.

    TROY, OH, September 2nd, 2024 04:27 PM

  • Review 4

    Source of Rating Icon

    Florence was great to work with the whole time!

    Aaron T.

    Loveland, OH, August 29th, 2024 11:06 AM

  • Review 5

    Source of Rating Icon

    Outstanding service

    Tracy H.

    Bellbrook, OH, August 5th, 2024 11:40 AM

  • Review 6

    Source of Rating Icon

    Always willing to answer questions any time of the day or on weekends. Excellent customer service skills

    Paul D. H.

    Bellbrook, OH, August 2nd, 2024 11:06 AM

  • Review 7

    Source of Rating Icon

    Florence was amazing to work with! She answered all of our questions promptly and professionally. Working overtime, Flo made closing on our home seamless. Smart with VA loans 10/10 would recommend!!

    Ryan Todd K.

    Franklin, OH, July 19th, 2024 01:22 PM

  • Review 8

    Source of Rating Icon

    Florence came as a recommendation from our realtor. She exceeded all his kind words about her ability to handle this “fun task” while purchasing a home. She will be my #1 recommendation to anyone on the hunt for a loan officer!

    Jennifer K.

    Cincinnati, OH, July 26th, 2024 01:37 PM

  • Review 9

    Source of Rating Icon

    Very knowledgeable and helpful.

    mijo1877

    Cincinnati, OH, July 30th, 2024 12:41 PM

  • Review 10

    Source of Rating Icon

    Flo was an amazing loan officer! She was very quick to return calls and txts whether it was during normal working hours or after hours! She was knowledgeable in every aspect of the VA loan and the whole process went smoothly. If I had to recommend someone to anybody it would be her!

    Matthew William H.

    Dayton, OH, July 12th, 2024 11:27 AM

  • Review 11

    Source of Rating Icon

    Brooke S.

    February 14th, 2023 08:38 AM

  • Review 12

    Source of Rating Icon

    Florence kept me well informed throughout the process and was exceptionally courteous and dedicated to helping me buy my new home.

    Jonathan H.

    Memphis, TN, June 28th, 2024 11:29 AM

  • Review 13

    Source of Rating Icon

    Process was clear and simple throughout. Any questions were answered immediately. Appreciate all of the help with the purchase.

    Dennis T.

    Oxford, MS, June 27th, 2024 11:48 AM

See More

Why should you choose Ruoff?

69

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.

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.

Stay connected.

I would love to hear from you!

Call me at 330.328.0062 or message me below!

Download our !