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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.

98.84% 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.

98.84% 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

    Fast knowledgeable easy to work with staff and software and went above and beyond to get me in a house

    Steven M.

    Mansfield, OH, September 9th, 2024 11:04 AM

  • Review 2

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    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

  • Review 3

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    Julie was so helpful and personable. She was always available and made our whole experience wonderful!

    Jennifer J.

    Mount Vernon, OH, August 1st, 2024 09:26 PM

  • Review 4

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    Always kept us informed on what was going on and where we were in the process. It was an awesome first time experience!!

    Michael O.

    Mount Vernon, OH, August 10th, 2024 12:14 AM

  • Review 5

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    The process of buying our first home was excellent. Our first step was pre approval before we could start looking for a home. Julie Chester did an amazing job on helping us through the whole process of buying a house. Each step was explain thoroughly and even more, so we could understand each step before we continued on to the next. Julie always kept us in the loop of what was to come next. I would recommend Julie to anyone who is looking for an excellent lender. 10/10 Experience!!

    Felicia F B.

    Mount Vernon, OH, August 25th, 2024 05:55 PM

  • Review 6

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    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

  • Review 7

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    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

  • Review 8

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    The whole home buying experience was excellent.

    Christopher M H.

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

  • Review 9

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    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

  • Review 10

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    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

  • Review 11

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    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

  • Review 12

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    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

  • Review 13

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    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

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Why should you choose Ruoff?

67

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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