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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99.63%
Customer Satisfaction Score.
Awards
Proudly serving Indiana
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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.
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
Why Snail Mail Solicitations Keep Landing in Your Mailbox After Closing
Aug 14, 2026
Your mortgage just closed, the ink is barely dry on the paperwork, and suddenly your mailbox looks like it joined a timeshare club. Everything from deed recordings, home warranties, credit insurance, you name it. If it relates to real estate or is even a distant cousin to real estate, these glossy envelopes promising “special offers” arrive like clockwork once the mortgage hits the public record. It feels personal, but it is really just public data doing what public data does best—turning your new home into an open invitation for every lender with a stamp budget.
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When Property Taxes Rise, Escrow Adjustments Can Shift Your Mortgage Payment- Here's Why
Aug 3, 2026
Property taxes in Allen County and nearby Huntington County love to play a game of 'guess what's next.' When they climb, your escrow account notices first, and suddenly your monthly mortgage payment starts acting like it joined a gym membership you never signed up for. The good news? You're not stuck watching the numbers dance without a say in the matter. Understanding how escrow works with rising taxes gives you real options, and a few laughs along the way never hurt either.
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How Long Does It Take to Save for a Down Payment? (The Answer Might Make You Laugh and Cry)
Jul 17, 2026
Saving for a down payment in Allen County and nearby spots like Huntington can feel like trying to fill a swimming pool with a garden hose during a drought. One minute you’re making progress, the next your car needs new tires and your savings plan laughs in your face. The timeline varies wildly depending on your income, local home prices, and how many surprise expenses pop up like uninvited relatives at Thanksgiving.
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At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*