VA Loans are guaranteed by the U.S. Department of Veterans Affairs. They help service members, veterans, and eligible surviving spouses become homeowners. There are several VA loans to choose from. This loan allows you to be able to purchase a home at a competitive interest rate with more lenient eligibility requirements than a conventional loan. 

*The $1,500 lender fee is waived on qualified VA loans. Borrower eligibility requirements must be met.  Some restrictions apply. Ask for details. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. *Interest rate subject to change based on market condition and credit review. This communication is provided to you for informational purposes only. The real estate company listed on this flyer is not a mortgage lender and you should contact Ruoff Mortgage directly to learn more about its mortgage products and your eligibility for such products. Ruoff Mortgage Company, Inc. is an Indiana corporation licensed by the Indiana Department of Financial Institutions (DFI). Equal Housing Lender. NMLS#141868.

If the thought of a down payment has kept you from buying a home, we may be able to help! This means one less barrier between you and your dream of homeownership! This unique program offers 100% financing for qualified borrowers applying for an FHA loan.*

*Requires a repayable second lien with a 10-year amortization term and a rate that is 2% more than the first lien rate. Applicants must satisfy all qualifying factors. Home buyer education is required. Not all applicants will qualify for down payment assistance. 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. 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. 12072023