Joel Scheer
VP | Branch Manager
NMLS: 236407
The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.
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99.82%
Customer Satisfaction Score.



Awards
Proudly serving Indiana
Meet our happy homeowners***
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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
Recognizes Ruoff loan officers who consistently create memorable experiences, demonstrated through outstanding customer satisfaction scores and feedback from their clients.

President's Club
7x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
My Latest Blogs
What Appraisals and Inspections Really Do for Homebuyers
Nov 6, 2026
Buying a home in Allen, Huntington and surrounding counties in Indiana can feel like signing up for a surprise party where the surprises keep multiplying……..and in some cases, not the pleasant kind. Therefore, knowing the differences between the two and why they are an important part of your home-buying journey is a key element. Appraisals and inspections step in as the two reality-checkers that keep the process from turning into a comedy of errors. They protect your wallet, your lender, and your future peace of mind without any of the awkward small talk.
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How Credit History Affects Buying a Home in Allen County and Surrounding Counties
Oct 9, 2026
Your credit history is basically the ultimate report card that lenders pull out when you want to buy a home. It tells the story of how reliably you pay bills, manage debt, and avoid financial mishaps. Around here, that story can decide whether you get the keys to a cozy suburban spot or end up renting another year while your friends post moving-day selfies.
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The Mortgage Process from Application to Closing: What to Expect
Sep 25, 2026
(Spoiler: It’s Less Scary Than Your In-Laws Visiting)
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Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*



