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Picture of Julie Chester
Picture of Julie Chester

Hi, I'm Julie!

Senior Loan Officer

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

99.26% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Julie!

Senior Loan Officer

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

99.26% 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*

  • 5.0
    Rating source icon

    Julie helped us navigate this process for the first time and was incredibly knowledgeable. She is truly the best.

    Larry B.

    Mount Vernon, OH, July 11th, 2024 07:41 PM

  • 5.0
    Rating source icon

    Julie was absolutely incredible answering all of our MANY questions throughout the process. She was so friendly and patient with us and even helped entertain our baby when we closed. Really she went above and beyond and I would recommend her to anyone.

    Devan M P.

    Mount Vernon, OH, July 11th, 2024 11:38 AM

  • 5.0
    Rating source icon

    The whole home buying experience was excellent.

    Christopher M H.

    Mount Vernon, OH, May 31st, 2024 11:11 AM

  • 5.0
    Rating source icon

    What made my experience with Ruoff was being able to build a connection with our loan officer Julie Chester. Julie was very helpful with getting us on the right path to get our dream house. She motivated us as clients everyday and was always excellent with answering Questions! We are so happy we got to use Julie as a loan officer and Ruoff for our mortgage. We will forever be grateful for the service that we got and the kindness that went along with the process.

    Anna M M.

    Fredericktown, OH, April 26th, 2024 07:42 PM

  • 5.0
    Rating source icon

    My loan officer was extremely helpful and patient as I work nightshift. Would absolutely recommend to others ❤️

    Morgan L.

    Mount Vernon, OH, April 24th, 2024 01:57 PM

  • 5.0
    Rating source icon

    There was never a time when I did not know what the status was or where we were in the process. Julie was compassionate, sympathetic, proactive, so knowledgeable, etc.

    Carisa D L.

    Mount Vernon, OH, October 2nd, 2023 11:05 AM

  • 5.0
    Rating source icon

    Julie was very friendly and experienced. She wasn't pushy and helped us through all of the difficulties and confusing processess that come with the first time homebuyer experience.

    Aaron J C.

    Gahanna, OH, April 18th, 2024 11:12 AM

  • 5.0
    Rating source icon

    Julie made sure we understood the whole process, and was always responsive. She made the process quick and easy.

    Kaya M R.

    Mount Vernon, OH, April 22nd, 2024 12:14 PM

  • 5.0
    Rating source icon

    Julie was absolutely incredible and worked with us throughout the entire home-buying process. When we initially spoke, we weren't even sure if we could actually afford a home, and Julie was there from the very beginning to help show us that it was more than possible! She was always one phone call away whenever we needed assistance and explained everything in simple terms so that my wife and I, who know nothing about houses, were able to feel confident throughout the buying process. I would 100% recommend Julie Chester and Ruoff to anyone beginning their home-buying journey, or to anyone who wants to be treated like family from the start of the process to the end of it! :)

    Alexus M B.

    Buckeye Lake, OH, December 1st, 2023 12:18 PM

  • 5.0
    Rating source icon

    Julie was amazing! No questions were left unanswered and very quick responses to all of my questions. I am so lucky to have her as my mortgage lender.

    Ashleigh N M.

    Mount Vernon, OH, October 3rd, 2023 08:42 AM

  • 5.0
    Rating source icon

    We feel everything went smoothly with the loan process. Our closing was delayed due to the other party, and Julie was very accommodating and made extension less stressful for us.

    Harris1991.ch

    Cardington, OH, September 28th, 2023 07:28 PM

  • 5.0
    Rating source icon

    Julie is the best!! She has been working with me for 3 years and I can't believe it! She never gave up and always help guide me in the right direction! I couldn't have done it woth out her!! Thank you julie for everything you are the best of the best!!!!

    denversfinest1990

    Middletown, OH, September 23rd, 2023 11:24 AM

  • 5.0
    Rating source icon

    Julie responds promptly and went out of her way to work with us and the seller. The home was purchased off family and Julie was wonderful working with my grandfather who is very hard of hearing. She made the online portion as simple as possible for all parties involved.

    Emily D S.

    Fredericktown, OH, September 22nd, 2023 10:48 AM

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Why should you choose Ruoff?

70

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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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 740.398.5114 or message me below!

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