
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.
Read full bio99.2%
Customer Satisfaction Score.


Awards
28
Years of helping homeowners like you.
Proudly serving Florida, Indiana, Michigan, Ohio
Meet our happy homeowners***
View All TestimonialsCalculate Based on Your Individual Needs
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.
Have a question we didn't cover?
Ask me directly.
My Latest Blogs
Creating Generational Wealth
Aug 15, 2026
Creating Generational Wealth Through Home Ownership in Fort Wayne
Read More
What are Closing Costs
Aug 15, 2026
What Are Closing Costs? A Clear Breakdown for Fort Wayne Homebuyers
Read More
What are Closing Costs on a Mortgage?
Aug 13, 2026
What Are Closing Costs? A Clear Breakdown for Fort Wayne Homebuyers
Read More









