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Sarah Cole

Senior Loan Officer

NMLS: 79345 | OH: MLO.021156.003

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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Sarah

98.29%

Customer Satisfaction Score.

Scotsman Guide AwardRuoff Experience Award Winner AwardRuoff Experience Award Winner Award

Awards

Proudly serving Ohio

Meet our happy homeowners***

View All Testimonials

Review 1

Joseph S.

Medina, OH, Sep 30, 2026, 4:18 PM

5.0

Communication! Especially since we are from out of state, we appreciated Sarah helping to navigate the entire process so that nothing fell through the cracks.

Review 2

Janice S.

Medina, OH, Sep 30, 2026, 11:33 AM

5.0

Sara was always there For us to answer questions and give us guidance. we were doing this remotely so it was nice to have her "close" despite the distance.

Review 3

Timothy Scott H.

Cleveland, OH, Sep 20, 2026, 6:58 PM

5.0

Team was knowledgeable and kept me up to date! Worked with a unique situation and made it work

Review 4

Megan G.

Parma, OH, Sep 2, 2026, 1:29 AM

5.0

Sarah and Caroline were knowledgeable, easy to communicate with and answers all our questions. They kept us up to date on every step and were always friendly. It was a great experience.

Review 5

Lauren F.

Fairview Park, OH, Sep 1, 2026, 4:16 PM

5.0

I cannot say enough good things about Sarah and her team! They were there every step of the way, going above and beyond to make sure they could help me and my family the absolute best they could. From the communication to the response speed, I never felt lost in the process and was informed every step of the way. Highly, highly recommend Sarah!!! Not to mention, we closed early and super fast! Thank you SO much again, Sarah!

Review 6

Edward Joseph M.

Akron, OH, Aug 14, 2026, 10:03 PM

5.0

after my initial lender fell through in the final stretch to close on the home, Ruoff/Sara Cole worked very efficiently to help me secure a loan so I would still be able to close on my home!

Review 1

Joseph S.

Medina, OH, Sep 30, 2026, 4:18 PM

5.0

Communication! Especially since we are from out of state, we appreciated Sarah helping to navigate the entire process so that nothing fell through the cracks.

Review 2

Janice S.

Medina, OH, Sep 30, 2026, 11:33 AM

5.0

Sara was always there For us to answer questions and give us guidance. we were doing this remotely so it was nice to have her "close" despite the distance.

Review 3

Timothy Scott H.

Cleveland, OH, Sep 20, 2026, 6:58 PM

5.0

Team was knowledgeable and kept me up to date! Worked with a unique situation and made it work

Review 4

Megan G.

Parma, OH, Sep 2, 2026, 1:29 AM

5.0

Sarah and Caroline were knowledgeable, easy to communicate with and answers all our questions. They kept us up to date on every step and were always friendly. It was a great experience.

Review 5

Lauren F.

Fairview Park, OH, Sep 1, 2026, 4:16 PM

5.0

I cannot say enough good things about Sarah and her team! They were there every step of the way, going above and beyond to make sure they could help me and my family the absolute best they could. From the communication to the response speed, I never felt lost in the process and was informed every step of the way. Highly, highly recommend Sarah!!! Not to mention, we closed early and super fast! Thank you SO much again, Sarah!

Review 6

Edward Joseph M.

Akron, OH, Aug 14, 2026, 10:03 PM

5.0

after my initial lender fell through in the final stretch to close on the home, Ruoff/Sara Cole worked very efficiently to help me secure a loan so I would still be able to close on my home!

Review 7

Ashley S.

Cleveland, OH, Aug 11, 2026, 8:39 PM

5.0

Sarah went above and beyond to make sure our home buying experience was as stress free as she could. The process was still stressful but she helped give us peace of mind throughout every step by keeping us informed and by being complely transparent on what we should expect from every situation that we faced.

Review 8

John S.

Willoughby, OH, Aug 11, 2026, 12:06 AM

5.0

Sarah was very helpful throughout the whole process.

Review 9

Christine M.

Parma, OH, Aug 10, 2026, 12:42 AM

5.0

Thorough, knowledgeable and great to work with.

Review 10

Cathy Annette B.

Brooklyn Heights, OH, Aug 7, 2026, 6:27 PM

5.0

Thank you

Review 11

Christian K M.

Parma, OH, Aug 5, 2026, 4:04 PM

5.0

Thorough, knowledgeable and helpfu!

Review 12

Julio M Z.

Parma Heights, OH, Aug 5, 2026, 3:05 PM

5.0

Very good

Review 13

Samantha M W.

Copley, OH, Jul 31, 2026, 3:33 PM

5.0

Fantastic communication, very helpful and knowledgeable

Review 7

Ashley S.

Cleveland, OH, Aug 11, 2026, 8:39 PM

5.0

Sarah went above and beyond to make sure our home buying experience was as stress free as she could. The process was still stressful but she helped give us peace of mind throughout every step by keeping us informed and by being complely transparent on what we should expect from every situation that we faced.

Review 8

John S.

Willoughby, OH, Aug 11, 2026, 12:06 AM

5.0

Sarah was very helpful throughout the whole process.

Review 9

Christine M.

Parma, OH, Aug 10, 2026, 12:42 AM

5.0

Thorough, knowledgeable and great to work with.

Review 10

Cathy Annette B.

Brooklyn Heights, OH, Aug 7, 2026, 6:27 PM

5.0

Thank you

Review 11

Christian K M.

Parma, OH, Aug 5, 2026, 4:04 PM

5.0

Thorough, knowledgeable and helpfu!

Review 12

Julio M Z.

Parma Heights, OH, Aug 5, 2026, 3:05 PM

5.0

Very good

Review 13

Samantha M W.

Copley, OH, Jul 31, 2026, 3:33 PM

5.0

Fantastic communication, very helpful and knowledgeable

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$1,663.00

Principal & Interest

$1,663.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$1,663.00

Apply Now
Sarah Cole

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 Award

Top Mortgage Lenders

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

Ruoff Customer Experience Award Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Ruoff Customer Experience Award Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

President's Club Award

President's Club

3x 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 Ohio

Sarah Cole

Senior Loan Officer

NMLS: 79345

OH: MLO.021156.003

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

Ruoff Mortgage Logo White

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.