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
HOA Fees: The Hidden Line Item That Can Shrink Your Dream Home Budget
Sep 11, 2026
For many homeowners in managed communities, HOA fees are that one line item on your budget that shows up like an uninvited guest who brought their own casserole—and then asks if you have dessert too. These fees cover shared services like landscaping, maintenance, and community amenities, ensuring the neighborhood stays looking sharp instead of turning into a scene from a post-apocalyptic movie where the only survivors are weeds. But beyond their day-to-day impact on your living environment, HOA fees play a significant role in your financial picture, especially when it comes to home financing. Lenders factor these fees into your qualifying ratios and affordability calculations (like that recurring charge for streaming services you forgot you had). If you're thinking about buying in a managed community or refinancing, understanding how these fees play into your financial picture is crucial. Keep those lines of communication open with your lender and ask questions—it's your financial future, after all (and nobody wants a surprise plot twist at closing that involves a surprise bill for the community fountain nobody uses)!
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The Loan Servicing Lowdown: What to Expect After Closing
Aug 28, 2026
The Loan Servicing Lowdown:
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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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