Ruoff Mortgage
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Kim Melton

Senior Loan Officer

NMLS: 448895 | KY: MC830078

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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Kim

98.47%

Customer Satisfaction Score.

Scotsman GuidePresident's Club

Awards

Proudly serving Florida, Indiana, Kentucky

Meet our happy homeowners***

View All Testimonials

Crystal M.

Corydon, IN, Aug 5, 2026, 3:23 PM

Great people. Easy to understand

Kelly K M.

ALEXANDRIA, KY, Apr 2, 2025, 9:29 PM

Absolutely everything! Communication, updates, explanations.

Troy Don B.

Paoli, IN, Apr 2, 2025, 8:33 PM

Everything was excellent. Kim and her staff knew exactly what they was doing and helped us get over all the hurdles we came upon!! Loved working with them.

Zachery C.

Summersville, KY, Jul 7, 2026, 4:05 PM

Kim was great getting us approved. Communication was excellent and helped with every question we had and was so quick to respond every time!

Jarrett B.

Corydon, IN, Jun 29, 2026, 3:09 PM

Loan officer was very nice, organize, and prepared to answer my questions .

Shane Howard G.

Corydon, IN, Jun 26, 2026, 4:45 PM

Overall excellent service.

Crystal M.

Corydon, IN, Aug 5, 2026, 3:23 PM

Great people. Easy to understand

Kelly K M.

ALEXANDRIA, KY, Apr 2, 2025, 9:29 PM

Absolutely everything! Communication, updates, explanations.

Troy Don B.

Paoli, IN, Apr 2, 2025, 8:33 PM

Everything was excellent. Kim and her staff knew exactly what they was doing and helped us get over all the hurdles we came upon!! Loved working with them.

Zachery C.

Summersville, KY, Jul 7, 2026, 4:05 PM

Kim was great getting us approved. Communication was excellent and helped with every question we had and was so quick to respond every time!

Jarrett B.

Corydon, IN, Jun 29, 2026, 3:09 PM

Loan officer was very nice, organize, and prepared to answer my questions .

Shane Howard G.

Corydon, IN, Jun 26, 2026, 4:45 PM

Overall excellent service.

William L G.

Jeffersonville, IN, May 13, 2026, 4:16 PM

was never any doubt that all three individuals would not get back with me as soon as they could regarding questions that I had. I bought many homes in the past, and this was the easiest streamline process that they made for me.

Lauren D. S.

Louisville, KY, Apr 28, 2026, 3:11 PM

Working with Kim Melton was truly an amazing experience! From start to finish, she made the entire home loan process feel simple, smooth, and stress-free. Buying a new home can be overwhelming, but Kim was always there to guide me, answer my questions, and keep everything on track. Her professionalism, knowledge, and genuine care really stood out. She took the time to explain every step and made sure I felt confident throughout the process. I couldn’t have asked for a better loan officer. If you’re looking for someone who is reliable, responsive, and truly dedicated to helping you succeed, I highly recommend Kim Melton. She made my dream of owning a new home a reality!

Caleb Eli M.

Hardin, KY, Apr 25, 2026, 3:05 PM

Nick & Kim made the house buying process very easy. There was consistent and clear communication throughout the purchasing process, and I felt like a priority. We just bought our first home and they made the process far easier than expected. I would recommend anyone to purchase a home through them!

Cynthia B.

Lanesville, IN, Apr 8, 2026, 4:36 PM

was a pleasure to work with and made this experience a little less frightening than what we expected.

Kenton A.

Lanesville, IN, Apr 7, 2026, 3:46 PM

Being informed on all the steps of the loan as it was being processed

Teresa G.

Corydon, IN, Apr 6, 2026, 3:51 PM

Kim Melton was excellent on keeping me informed and extremely helpful.

Caitlyn D.

JEFFERSONVILLE, IN, Mar 31, 2026, 3:16 PM

Clear, fast, and knowledgeable communication. Felt like a priority. Made process less stressful and more enjoyable.

William L G.

Jeffersonville, IN, May 13, 2026, 4:16 PM

was never any doubt that all three individuals would not get back with me as soon as they could regarding questions that I had. I bought many homes in the past, and this was the easiest streamline process that they made for me.

Lauren D. S.

Louisville, KY, Apr 28, 2026, 3:11 PM

Working with Kim Melton was truly an amazing experience! From start to finish, she made the entire home loan process feel simple, smooth, and stress-free. Buying a new home can be overwhelming, but Kim was always there to guide me, answer my questions, and keep everything on track. Her professionalism, knowledge, and genuine care really stood out. She took the time to explain every step and made sure I felt confident throughout the process. I couldn’t have asked for a better loan officer. If you’re looking for someone who is reliable, responsive, and truly dedicated to helping you succeed, I highly recommend Kim Melton. She made my dream of owning a new home a reality!

Caleb Eli M.

Hardin, KY, Apr 25, 2026, 3:05 PM

Nick & Kim made the house buying process very easy. There was consistent and clear communication throughout the purchasing process, and I felt like a priority. We just bought our first home and they made the process far easier than expected. I would recommend anyone to purchase a home through them!

Cynthia B.

Lanesville, IN, Apr 8, 2026, 4:36 PM

was a pleasure to work with and made this experience a little less frightening than what we expected.

Kenton A.

Lanesville, IN, Apr 7, 2026, 3:46 PM

Being informed on all the steps of the loan as it was being processed

Teresa G.

Corydon, IN, Apr 6, 2026, 3:51 PM

Kim Melton was excellent on keeping me informed and extremely helpful.

Caitlyn D.

JEFFERSONVILLE, IN, Mar 31, 2026, 3:16 PM

Clear, fast, and knowledgeable communication. Felt like a priority. Made process less stressful and more enjoyable.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Kim Melton

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

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

President's Club

President's Club

4x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Florida, Indiana, Kentucky

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.