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Picture of Thea Druley
Picture of Thea Druley

Hi, I'm Thea!

VP | Branch Manager

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

97.75% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Thea!

VP | Branch Manager

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

97.75% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I am a 25-year mortgage veteran and proud mother of three boys. With a quarter-century of experience in the mortgage industry, I've witnessed the ever-changing landscape of home financing from the late 1990s to the present day.

My personal mortgage journey began in 2002 when I purchased my first home using an assumable mortgage, sparking my passion for real estate and mortgages. For the first time, I felt like I understood the process. Throughout my career, I've weathered the fluctuating tides of interest rates, from the lowest at 2.25% to the highest at 9.625%, adapting and thriving in both Seller's Markets and Buyer's Markets. I understand the importance of flexibility in meeting market demands, ensuring that my clients get the best possible outcomes. Building lasting relationships with my clients and referral partners is a top priority for me. I believe trust and rapport are essential in the mortgage industry, and I'm committed to ensuring that everyone I work with feels valued and supported on their homeownership journey.

Outside of the mortgage world, I am a proud mother of three boys, which has taught me the value of patience, teamwork, and multitasking. When I'm not helping my clients secure their dream homes, you can find me indulging in one of my favorite hobbies: exploring DIY projects and crafts I discover on Pinterest. I love to get creative and find inspiration in the diverse world of crafting.

Whether you're a first-time homebuyer, an experienced investor, or simply need assistance with refinancing, I'm here to provide you with the expertise, dedication, and personalized service you deserve. Your success in the mortgage process is my top priority, and I look forward to being a trusted partner on your journey. Don't hesitate to reach out to me, and let's start this exciting homeownership adventure together.

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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

    My husband worked with Thea to purchase our home and he was so impressed by her consistent communication and speed at which we were able to get everything done. We are very happy that we went with Ruoff and that Thea was our loan officer.

    Kasey A.

    Rochester, IN, March 26th, 2024 01:39 PM

  • Review 2

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    Very professional and straight forward, wouldn’t want to do this with anyone else!

    Brandt M P.

    Decatur, IN, April 15th, 2024 03:48 PM

  • Review 3

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    Thea was so caring, personable, understanding & empathetic. She was a Huge Blessing for us in our desire to buy Our very first home. Because of how hard she worked, Our Dream has been realized. We never expected to have someone so sweet ,truthful, and genuine to help walk us threw this proses. We would recommend your services to anyone!

    Steven Wayne H.

    Fort Wayne, IN, January 26th, 2024 08:34 AM

  • Review 4

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    My experience with my Ruoff mortgage was extraordinary from the start. I was offered loan options that best suited my needs, the application was a breeze and all of my questions were answered immediately during the process of my loan as well as their follow up after closing. Thank you Thea & Ashley, you're amazing!!

    Susan D K.

    Syracuse, IN, October 1st, 2024 11:34 AM

  • Review 5

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    The work ethics that my loan officer put in my mortgage.

    James Brent B.

    Larwill, IN, September 29th, 2024 11:23 AM

  • Review 6

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    Thea was super knowledgeable and quick to answer our questions! We would absolutely recommend.

    makennasue1104

    Columbia City, IN, September 4th, 2024 11:03 AM

  • Review 7

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    Thea was extremely professional, approachable, friendly and knowledgeable!! Definitely enjoyed the experience

    Robert M S.

    Columbia City, IN, September 3rd, 2024 03:37 PM

  • Review 8

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    Thea was really wonderful and timely with answering all of our questions because we were first time home buyers. She kept us informed with all of the requirements and worked around our busy schedule. She was great to work with.

    Sabrina E L.

    Fort Wayne, IN, September 4th, 2024 07:30 PM

  • Review 9

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    Our loan officer communicated well Loan butler was easy to use Only complaint is some documents were requested in duplicate between my husband and I

    Veronica R S.

    Columbia City, IN, August 31st, 2024 10:33 PM

  • Review 10

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    Support and experience at its best

    Robert E.

    Fort Wayne, IN, August 1st, 2024 11:38 AM

  • Review 11

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    Very easy to contact and clarify for any queries. Clear explanation on any doubts. User friendly online portal experience. Thanks to Thea and Ashley for making this entire process easier

    Sai Kiran Reddy P.

    Fort Wayne, IN, July 15th, 2024 02:22 PM

  • Review 12

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    Thea was great! always answering my calls and texts.

    Gabrielle C R.

    Sidney, OH, July 7th, 2024 03:11 PM

  • Review 13

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    Everyone was very helpful and easy to work with. We appreciate everyone that we worked with. Thank you so much!!

    April D P.

    Columbia City, IN, June 28th, 2024 06:12 PM

  • Review 14

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    Thea was amazing and always the most help, anything I had any sort of question with she helped right away

    Denver R.

    WARSAW, IN, May 22nd, 2024 11:22 AM

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Why should you choose Ruoff?

67

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.

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Call me at 260.804.3622 or message me below!

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