
Thea Druley
VP | Branch Manager
NMLS: 403907 | OH: MLO-OH.403907
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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Customer Satisfaction Score.


Awards
28
Years of helping homeowners like you.
Proudly serving Florida, Indiana, Michigan, Ohio
Meet our happy homeowners***
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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
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.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.


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.
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.
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.
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.
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My Latest Blogs
Use a Gift of Equity to buyer a family members home
Jul 28, 2026
Using a Gift of Equity to Buy Your Family Member’s Home With $0 Out of Pocket
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Are there Down Payment Assistance Options Available?
Jul 7, 2026
Down Payment Assistance Options for First-Time Homebuyers in Indiana
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Am I allowed to use Child Support to Buy a Home?
Jun 3, 2026
How Child Support Income Helps Indiana Home Buyers Qualify for a Mortgage
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