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Ruoff is excited to serve the St. Joseph, Michigan area!

The St. Joe area and Berrien County are great places to live, work, relax, and raise a family. 

On the shores of Lake Michigan, St. Joseph boasts sandy beaches, breathtaking lighthouses, and a wonderful carousel and pavilion that are great for families.

With a booming economy, short commutes, reasonable cost of living, and close proximity to Chicago, Kalamzaoo, and South Bend, St. Joe is the perfect location for those wanting to take in the good things in life! 

Ruoff Home Mortgage is now in the St. Joseph area and we are looking forward to serving your mortgage needs with all types of loan programs to help you construct, refinance, renovate, or purchase a home!





What makes us different?

Ruoff Mortgage guides you at every step of the homeownership experience by delivering on our promises and educating to empower. From the moment you send in an application to the day you get the keys and beyond, Ruoff takes the time to answer questions and understand your unique situation. By developing authentic relationships with homebuyers and homeowners, we help people like you achieve their goals and move into their homes with confidence.
With every closing, we're opening doors.

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.