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Picture of Heather Bozarth
Picture of Heather Bozarth

Hi, I'm Heather!

Senior Loan Officer

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

97.12% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Heather!

Senior Loan Officer

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

97.12% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Hello there, I'm Heather, your not-so-typical senior loan officer with Ruoff Mortgage. I've been navigating the mortgage world since 2010, and trust me, I've seen it all! From first-time buyers to seasoned homeowners, I've got you covered like a warm, cozy blanket on a chilly day. I firmly believe that anyone who works with me ends up better off. After all, who doesn't want a new home, a lower interest rate, or some extra cash from the equity in their home? If you're dreaming of a perfect home, I'm dreaming of #HappyLending.

Right now, I'm strutting my stuff in the top 15% of lenders at Ruoff Mortgage this year. Not to brag, but it's not every day you meet a numbers wizard with a sense of humor, is it? At home, my partner-in-crime is my hubby. We're the proud parents of three amazing daughters who keep us on our toes. Oh, and let's not forget our feline overlord and a four-legged goofball pittie in the mix. When I'm not crunching numbers or wrangling the family zoo, you'll find me chasing that perfect exercise high. Weightlifting is my jam, and sunshine is my secret ingredient for happiness. You could say I'm a sun-worshipping fitness enthusiast with a mortgage calculator on the side. While I might be a pro with numbers, my green thumb is a bit rusty. Gardening? Let's just say I've been in a long-term relationship with potted plants that, sadly, ended in heartbreak. Who knows, maybe one day I'll discover the secret to keeping plants alive – or maybe I'll just stick to helping you grow your equity instead.

Ready to take the next step toward your home dreams? Reach out to me, and let's make your mortgage journey as smooth as butter. I promise to bring my number-crunching expertise, a dash of humor, and a sprinkle of sunshine into the mix.

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President's Club Member

President's club seal 2023

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

    We had an outstanding experience working with Heather as our Loan Originator. Her dedication to service was exceptional; she consistently went above and beyond to ensure every detail of the loan process was handled with care and efficiency. Heather's communication skills stood out throughout our collaboration, keeping us informed every step of the way and always being available to answer questions, clarify details, or provide guidance. She excelled in handling paperwork, ensuring that every document was meticulously organized and submitted on time. Her attention to detail and proactive approach made what can be a complex and stressful process feel smooth and manageable. Heather’s professionalism, responsiveness, and commitment to excellence set a high standard in the industry. We highly recommend Heather to anyone seeking a reliable, skilled, and personable loan originator.

    Ranjith E.

    Bedford, IN, October 28th, 2024 11:24 AM

  • Review 2

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    VVFVVVVery

    Kristian C.

    Bloomington, IN, November 29th, 2024 11:15 AM

  • Review 3

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    Heather was always on top of things and was kind when I would forget where we were in the process. I felt comforted during this hectic time in knowing that Heather had my back and knew exactly what she was doing. She and my real estate agent Kelly Murray are a great team!

    Sheri L S.

    Ellettsville, IN, November 28th, 2024 01:38 PM

  • Review 4

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    The process was timely and efficient. The technology was convenient and easy to use. Any questions were answered promptly and thoroughly.

    Jennifer A.

    Solsberry, IN, November 18th, 2024 12:31 PM

  • Review 5

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    Heather was Amazing.

    Dean W B.

    Ellettsville, IN, November 4th, 2024 11:09 AM

  • Review 6

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    Heather was amazing! She is very friendly, professional, and works quickly to help you complete the loan application process. I would absolutely recommend Heather to anyone!

    Jocelyn T H.

    Columbus, IN, November 4th, 2024 11:20 AM

  • Review 7

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    Great experience all around. Seamless transition to our new home

    William T D.

    Bloomington, IN, October 31st, 2024 04:52 PM

  • Review 8

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    I loved how fast everyone got back to us! They made the process very simple thank you!

    Caitlyn N D.

    Bloomington, IN, October 31st, 2024 11:05 AM

  • Review 9

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    Great communication!

    rsgladish

    Bloomington, IN, October 12th, 2024 08:06 AM

  • Review 10

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    They had an answer for every obstacle we ran into.

    Ethan C F.

    Ellettsville, IN, October 11th, 2024 01:44 PM

  • Review 11

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    Our refinance process was smooth and easy. Heather is a great communicator and made the process simple.

    Frances M L.

    Bloomington, IN, October 10th, 2024 11:21 AM

  • Review 12

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    Heather and her team were so efficient. We needed to move fast in order to close on our new home and they delivered. It was a pleasure working with them and weight off our shoulders knowing we had them on our side.

    Jesus A F.

    Spencer, IN, October 1st, 2024 11:05 AM

  • Review 13

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    Heather was wonderful to work with throughout the entire process. She was able to help us on short notice which allowed us to close on time. Thanks, Heather!

    Brent Taylor C.

    Bloomington, IN, August 22nd, 2024 11:23 AM

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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 812.361.6667 or message me below!

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