When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Sheri Watkins | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Drew Mathew N.

Cape Coral, FL, Jul 30, 2026, 3:04 PM

Excellent communication and follow up Sheri did a great job

Richard Christopher H.

CAPE CORAL, FL, Jul 10, 2026, 7:10 PM

Sheri was excellent to work with. She kept us well informed every step of the process. Getting a loan was a very easy process and I didn't worry about anything knowing Sheri was taking care of it. Great experience! Thank you, Sheri and Ruoff!

Sandra Lea K.

Dayton, OH, Jul 7, 2026, 2:53 PM

Overall communications, and responsiveness were exceptional. Sheri did a great job!

Samuel Norbert H.

Cincinnati, OH, Jul 6, 2026, 12:22 AM

Sheri was great at keeping me up to date on the borrowing process and got me an excellent rate through the OHFA program. I wouldn't have been able to get my house without her!

Nathan J G.

Okeana, OH, May 8, 2026, 3:23 PM

There was never a moment where Sheri wasn't in the loop with me and what needed to be done! I was blessed I got Sheri as a loan officer, it was all so smooth. Couple bumps in the road but nothing Sheri couldn't work out! She's EXCELLENT!!!! Went above and beyond!!! Super grateful I had the opportunity to worki with her! AAAAA++++++

Jeffrey R H.

CAPE CORAL, FL, Apr 19, 2026, 3:04 PM

Attention to detail and responsiveness. Made the process smooth no complications.

Drew Mathew N.

Cape Coral, FL, Jul 30, 2026, 3:04 PM

Excellent communication and follow up Sheri did a great job

Richard Christopher H.

CAPE CORAL, FL, Jul 10, 2026, 7:10 PM

Sheri was excellent to work with. She kept us well informed every step of the process. Getting a loan was a very easy process and I didn't worry about anything knowing Sheri was taking care of it. Great experience! Thank you, Sheri and Ruoff!

Sandra Lea K.

Dayton, OH, Jul 7, 2026, 2:53 PM

Overall communications, and responsiveness were exceptional. Sheri did a great job!

Samuel Norbert H.

Cincinnati, OH, Jul 6, 2026, 12:22 AM

Sheri was great at keeping me up to date on the borrowing process and got me an excellent rate through the OHFA program. I wouldn't have been able to get my house without her!

Nathan J G.

Okeana, OH, May 8, 2026, 3:23 PM

There was never a moment where Sheri wasn't in the loop with me and what needed to be done! I was blessed I got Sheri as a loan officer, it was all so smooth. Couple bumps in the road but nothing Sheri couldn't work out! She's EXCELLENT!!!! Went above and beyond!!! Super grateful I had the opportunity to worki with her! AAAAA++++++

Jeffrey R H.

CAPE CORAL, FL, Apr 19, 2026, 3:04 PM

Attention to detail and responsiveness. Made the process smooth no complications.

Jordan Michael S.

Indianapolis, IN, Apr 17, 2026, 3:58 PM

Sheri went above and beyond. She made every step enjoyable. if I could buy 10 more houses, I'd use Sheri!

Michael Robert C.

Liberty TWP, OH, Apr 14, 2026, 5:19 PM

Sheri was knowledgable responsive and great to work with. She was able to commit to and complete our closing in 13 calendar days from offer which was one of the differentiators that set our offer aside from the others.

Patrick David F.

Amelia, OH, Mar 27, 2026, 3:07 PM

Sheri was great to work with. She kept us up to date on everything, was super friendly, and knowledgeable . Greatly appreciate all the help from her.

Ida K.

Amelia, OH, Mar 24, 2026, 4:41 PM

communication was key and miss sheri done just that with me

Madison W.

Batavia, OH, Feb 20, 2026, 4:02 PM

She answerd all my questions no matter what time of the day it was

Matt S.

Traverse City, MI, Feb 1, 2026, 8:02 PM

easy......

Rachel N S.

Florence, KY, Jan 22, 2026, 7:46 PM

Good communication

Jordan Michael S.

Indianapolis, IN, Apr 17, 2026, 3:58 PM

Sheri went above and beyond. She made every step enjoyable. if I could buy 10 more houses, I'd use Sheri!

Michael Robert C.

Liberty TWP, OH, Apr 14, 2026, 5:19 PM

Sheri was knowledgable responsive and great to work with. She was able to commit to and complete our closing in 13 calendar days from offer which was one of the differentiators that set our offer aside from the others.

Patrick David F.

Amelia, OH, Mar 27, 2026, 3:07 PM

Sheri was great to work with. She kept us up to date on everything, was super friendly, and knowledgeable . Greatly appreciate all the help from her.

Ida K.

Amelia, OH, Mar 24, 2026, 4:41 PM

communication was key and miss sheri done just that with me

Madison W.

Batavia, OH, Feb 20, 2026, 4:02 PM

She answerd all my questions no matter what time of the day it was

Matt S.

Traverse City, MI, Feb 1, 2026, 8:02 PM

easy......

Rachel N S.

Florence, KY, Jan 22, 2026, 7:46 PM

Good communication

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

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 Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

My Latest Blogs

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.

Meet our happy homeowners***

Calculate Based on Your Individual Needs

A Bit About Me

Awards & Achievements

My Latest Blogs

Experience the Ruoff Advantage

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