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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

Please complete all fields.

Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Get Started Picture of Scott Kieffner
Picture of Scott Kieffner

Hi, I'm Scott!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Hi, I'm Scott!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

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.
Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


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

  • Scott did not hesitate to tell me the type of loan I was originally applying for wasn't viable for months that I didn't have. I had previously worked with another lender, and he stopped answering my messages and calls when it became apparent that I wasn't a candidate for USDA financing. Scott was willing to work with me at all hours and explain things so that a first-time home buyer could understand. Lastly he has kept me informed on what to do in the future to refinance my loan to a better rate.

    Jeremy S, happy client
  • Scott was amazing from start to finish. The entire process was well organized and went better than we could have imagined. We will definitely recommend Ruoff to family and friends.

    Sonya R, happy client
  • I called Scott at very weird hours and he always picked up, he was upfront and honest about timing and made the process super easy.

    Alexis P, happy client
  • I am completely new to the process of buying a home, and Scott did an amazing job walking me through the process with patience and made me feel like he truly cared for how the outcome would affect me. He felt like a father figure throughout the process!

    Bridget S, happy client
  • Scott was always quick to get back to us. We also had our daughter and son-in-law get a mortgage with Scott.

    Charlene K, happy client
  • Scott K. is an incredible mortgage loan officer. We feel so lucky to have been connected with Scott. He helped us secure our "forever" home and a year later, secured a better interest rate for a VA refinance! Scott kept us on task the entire process and followed through with everything that needed to be done.

    April S, happy client
  • Scott was on top of everything, explained each step, and expedited every action. We knew we were in good hands every moment of the process.

    Matt R, happy client
  • This is the 2nd time we used Scott. He is great to work with and knowledgeable. During this COVID 19 pandemic, so much is unknown. Scott adapted and guided us through this process.

    Christopher C, happy client
  • Scott was wonderful. He patiently answered my questions and was on top of everything!!!

    Casey H, happy client
  • Scott is a true professional! He treats you as if you are his only client! Always ready to assist with a question or concern, even well after normal business hours!

    Ronald F, happy client
  • Scott and his team were very personable and bent over backward to make it work for us! We were an out of state buyer, and Scott took the time to meet us personally on a weekend visit to town when it was most convenient for us. We really appreciated that!

    Kristina H, happy client
  • I loved the quick responses to all questions we've had and how easy and quick the process was. Scott helped, walk us through the entire process in the purchase of our first home and we couldn't be more satisfied!

    Mason T, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

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.

Stay connected.

I would love to hear from you!

Call me at (812) 320-2605 or message me below!

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