Sheri Watkins
Senior Loan Officer
NMLS: 279665 | KY: MC72811 | OH: MLO.025193.002
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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97.78%
Customer Satisfaction Score.
Awards
Proudly serving Florida, Illinois, Indiana, Kentucky, Michigan, Ohio, Tennessee, Texas
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A Bit About Me
As a Senior Loan Officer with over 25 years of mortgage lending experience, I proudly serve homebuyers, Realtors, and builders throughout Southwest Florida and the Greater Cincinnati/West Chester area with Ruoff Mortgage. Licensed in Ohio, Florida, Kentucky, Michigan, Illinois, Indiana, Tennessee, and Texas, I help clients with primary homes, relocations, second homes, new construction, and first-time home purchases. I am committed to responsive communication, personalized mortgage solutions, competitive loan options, and making the mortgage process smooth, efficient, and stress-free. My goal is to earn your trust by providing exceptional service, expert guidance, and dependable support from application through closing.
Awards & Achievements
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
Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.
Ruoff Customer Experience Award
Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.
President's Club
2x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
My Latest Blogs
How to Improve Your Credit Score Before Buying a Home in Southwest Florida
Aug 25, 2026
Let’s be honest: trying to improve credit score feels a lot like convincing your teenager to clean their room—everyone knows it needs to happen, but the process can involve dramatic sighs and mysterious piles of “stuff.” If you’re eyeing a home in Cape Coral, Ft. Myers, Sanibel, or Punta Gorda, getting that number in shape is the difference between smooth sailing and watching your dream house sail away to someone else. The good news? Small, consistent moves add up fast, and they open the door to better product and rate options when you’re ready to buy in Lee County.
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How Much Down Do I Really Need to Buy a Home in Southwest Florida in 2026?
Aug 24, 2026
If you’ve been asking yourself “how much down do I really need?” to purchase a home in Lee County, you’re not alone. Many buyers in Cape Coral, Fort Myers, Sanibel, and Punta Gorda are surprised to learn that the old 20 percent rule isn’t the only path forward.
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DSCR Investment Properties: Revolutionize Your Rental Portfolio with Cash Flow-Based Financing
May 6, 2026
Ever dreamed of scaling your real estate investments without the headache of personal income verification? DSCR investment properties are changing the game for savvy investors like you. These loans focus purely on the property's income potential, making them a powerhouse for building wealth through rentals.
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At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*