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Picture of Holly Waters
Picture of Holly Waters

Hi, I'm Holly!

Senior Loan Officer

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

92.50% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Holly!

Senior Loan Officer

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

92.50% 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

    The entire process was made simple and easy to understand. Holly was always on top of things and was very good at communicating and working with us even when we had to change some things at the very last minute.

    Dustin J W.

    Newark, OH, August 30th, 2024 12:28 PM

  • Review 2

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    Great Experience

    Georgia G M.

    Newark, OH, August 26th, 2024 11:04 AM

  • Review 3

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    Holly went above and beyond. She answered queztions after hours to help keep me calm when there were issues with others in the process. She was amazing!

    Christine D.

    Pataskala, OH, August 4th, 2024 03:05 PM

  • Review 4

    Source of Rating Icon

    Holly was professional, attentive, responsive and explained the loan process, keeping me updated along the way. We had a few hiccups with the deed, Holly and her team worked diligently to get things worked out and closed in a timely manner.

    Holly R H.

    Frazeysburg, OH, January 3rd, 2024 03:14 PM

  • Review 5

    Source of Rating Icon

    nothing else

    Robert H.

    Newark, OH, October 23rd, 2023 08:13 AM

  • Review 6

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    Great communication!

    Kelli H.

    Newark, OH, October 22nd, 2023 01:26 PM

  • Review 7

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    My house buying experience could NOT have been any better than working with Holly. She is a true professional, ALWAYS addressed my concerns in an extremely timely manner. Her explanation to all my questions put my mind at ease. She was an absolute joy to work with - she's a keeper!

    Janice M I.

    Toledo, OH, September 16th, 2023 06:35 PM

  • Review 8

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    Everything was GREAT! As it turned out this all took place during a very challenging time in my life. Holly was there to make everything as smooth and seamless as possible. Thank you!

    Lola A P.

    Canal Winchester, OH, September 4th, 2023 11:14 AM

  • Review 9

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    At one point our mortgage rate was going to be a lot higher then anticipated and Holly went above and beyond to get us a rate that we was happy with, which also lower our monthly house payment

    Michael M.

    January 25th, 2023 08:18 AM

  • Review 10

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    Clear to close went fast and smooth.

    Katelynn N.

    May 1st, 2023 06:40 PM

See More

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.

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 740.504.2583 or message me below!

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