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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.

99.51% 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.

99.51% 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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    Easy application process. Timely answers to any questions or concerns.

    Lori A D.

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

  • Review 4

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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 5

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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 6

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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 7

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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

  • Review 8

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    Pam is the best loan officer I've ever had. She is so good, I didn't worry about anything. She is excellent and always goes the extra mile. I couldn't be happier with the refinance.

    Misty D B.

    Terre Haute, IN, October 27th, 2024 03:08 PM

  • Review 9

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    Pam was extremely helpful and knowledgeable about the process and made us feel comfortable and at ease during this otherwise stressful process. We are so happy with our new home!

    Kirsten H C.

    Riley, IN, October 21st, 2024 11:04 AM

  • Review 10

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    Pam made the entire experience painless. She kept me well informed, and she was extremely knowledgeable regarding my mortgage. I thoroughly enjoyed the process. She made everything so easy!

    Pamela S N.

    West Terre Haute, IN, July 4th, 2024 08:12 PM

  • Review 11

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    Very knowledgeable loan officer, and handled personal specific situations throughout and up to the last minute on all sides dealing with a variety of situations that were sometimes literally out of the blue. A really personally responsive worker who thoroughly impresses. Absolutely great job!

    Michael J B.

    Terre Haute, IN, July 14th, 2024 11:09 AM

  • Review 12

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    Pam was always available for questions. She made the process so easy and went out of her way to decress my stress. I would recommend her to everyone.

    Christopher Stephen P.

    Terre Haute, IN, September 15th, 2024 11:08 AM

  • Review 13

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    Very helpful and kept me informed and let me know what about any issues instantly

    Ricky L W.

    Terre Haute, IN, September 7th, 2024 03:51 PM

  • Review 14

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    Pam was always there for me as this was a difficult time and she made it so easy and understandable. She was sure a pleasure to work with and always kept me informed.

    Julie A C.

    Terre Haute, IN, August 15th, 2024 11:37 AM

  • Review 15

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    Pam was so responsive and made sure we were comfortable and happy throughout the whole process!

    Justin M N.

    ROCKVILLE, IN, August 1st, 2024 11:04 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.**

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.

Calculate what's best for you

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 812.240.1596 or message me below!

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