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Picture of Pam Townsend
Picture of Pam Townsend

Hi, I'm Pam!

Senior Loan Officer

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

99.36% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Pam!

Senior Loan Officer

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

99.36% 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

    Pam was the most professional mortgage officer that I've ever worked with ever. She's extremely competent, kind, and quickly replies to all questions and emails quickly. She's always available to answer any questions. If I had to do all over again, I'd pick her everytime over any others.

    Misty D B.

    Terre Haute, IN, December 15th, 2023 09:47 AM

  • Review 2

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    From the very beginning, to the very end, the communication was stellar. Just everything about the entire process was very clear. Our loan officer was very professional and knowledgeable. I’m very pleased and happy that we went with Ruoff instead of a bank.

    Jill E S.

    Freelandville, IN, March 9th, 2024 07:59 PM

  • Review 3

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    Pam went above and beyond in making sure the loan process went smoothly for us from start to finish. We cannot recommend her enough!

    Jacob L.

    Terre Haute, IN, February 21st, 2025 11:33 AM

  • Review 4

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    Pam was very knowledgeable and great to work with. I am a first time home buyer and she explained each step of the process very well and helped us with last minute insurance issues to ensure we could still close on time. I would highly recommend Pam and the whole Ruoff team!

    Madison L.

    Terre Haute, IN, February 18th, 2025 11:32 AM

  • Review 5

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    Pam was so wonderful to work with. We started the process totally unsure if this would be something that could work at all for us and our current situation. Although we encountered quite a few obstacles, Pam never gave up on our application and that it was a dream that she could help us realize. It was such a gift to get to work with her and even when I was being extra annoying and needing a lot of reassurance she was always patient and kind and quick to respond no matter how much she had going on!

    Julia C E.

    Terre Haute, IN, February 4th, 2025 11:43 AM

  • Review 6

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    Pam is wonderful at explaining and communicating

    Kimberly C.

    Terre Haute, IN, February 8th, 2025 05:39 PM

  • Review 7

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    Pam was the best! She was always quick to respond and she kept me informed every step of the way. She took the time to explain everything to me and was very patient with me if I needed her to explain things to me multiple time if I needed her to. There were times I was very stressed and nervous throughout the process and she was able to ease my nerves throughout the process . I would highly recommend working with Pam! I will definitely work with her for any mortgage loan needs in the future.

    Kimberly M C.

    Terre Haute, IN, January 5th, 2025 10:45 AM

  • Review 8

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    Pam made the whole process Great! I am very thankful foe for her theough the whole process!!

    Michelle W.

    Clay City, IN, December 18th, 2024 11:12 AM

  • Review 9

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    Fast and friendly service, Pam made things easy and simple that I would make sure she gets my next loan in the near future

    Javier G.

    Terre Haute, IN, December 17th, 2024 02:00 PM

  • Review 10

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    Pam and the team were great with communication and follow up. The loan tracker made it quick and easier to review where our loan was in the process. Pam was always pleasant and willing to review any options we were curious about. She was friendly and so easy to work with, it made the loan process less scary and easy to navigate. Great job to you her and your entire team!

    Jennifer L M.

    Brazil, IN, November 27th, 2024 11:04 AM

  • Review 11

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    Easy application process. Timely answers to any questions or concerns.

    Lori A D.

    West Terre Haute, IN, April 5th, 2024 11:43 AM

  • Review 12

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    Pam made the whole process smooth and enjoyable!

    Kaleb W B.

    Terre Haute, IN, November 15th, 2024 11:36 AM

  • Review 13

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    Pam was very quick to get everything we needed and was always keeping us up to date. She made the process very easy.

    Jamisen B.

    Terre Haute, IN, November 14th, 2024 11:06 AM

  • Review 14

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    infall the way through the process. She did a wonderful job for us and our experience was fantastic. I will surely recommend your surface to other folwho are wanting to find a mortgage. Thank you Pam for all your help.

    Robert Gale M.

    Terre Haute, IN, October 31st, 2024 11:10 AM

  • Review 15

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    Pam was wonderful to work with. Always available if I had any questions. Would highly recommend her to anyone in the market to buy a house.

    Scott S.

    Terre Haute, IN, October 28th, 2024 11:18 AM

See More

Why should you choose Ruoff?

65

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

41

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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Call me at 812.240.1596 or message me below!

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