Sarah Cole: Ruoff Mortgage

07/01/2026

4.87 star review received on Experience.com for Sarah Cole by Angelo D - Sarah did an excellent job ensuring I received the best possible rate. She made the home buying process simple and was available for all questions through out the process. I would highly recommend Sarah for all your home buying needs.

Click to see all 227 reviews of Sarah Cole, Ruoff Mortgage, Senior Loan Officer | NMLS # 79345O | Ruoff Mortgage NMLS # 141868

06/30/2026

Buying your first home doesn't have to feel overwhelming or out of reach.

Every homebuying journey is unique, and you don't have to navigate it alone. Whether you're just beginning to explore your options, working on your credit, saving for a down payment, or you're ready to start house hunting, I'm here to answer your questions, explain your options, and guide you through every step of the process.

Homeownership may be closer than you think—let's create a plan to help you get there.

Sarah Cole
Senior Loan Officer | Ruoff Mortgage
📱 Cell: (216) 855-1199
✉️ Email: [email protected]
🌐 Website: www.lendwithsarah.com

04/02/2026

I am incredibly proud to be recognized as one of the top mortgage originators for my production in 2025; both for most loans closed and as one of the top women originators in the country ❤.

This recognition is especially meaningful because it’s based on the top percentage of loan officers nationwide. In an industry as competitive as ours, this truly is an honor!

I truly feel so blessed!. None of this happens without the amazing clients who trust me with one of the biggest decisions of their lives, the business partners who continue to refer and support me, and everyone who shares my name when it comes to home lending.

I’m beyond grateful to be in a position where I get to do what I love every single day, and to help families achieve homeownership!

Thank you to my clients and business partners for being part of this journey 🥰

01/10/2026

Just ran a pre-approval on a conventional loan for a 1st homebuyer 5.875% ‼️

12/11/2025

🎄💚 FREE Photos with the GRINCH! 💚🎄

I’m teaming up with A.J. Minton at MC Real Estate for a special holiday pop-up event — and yes, the Grinch himself will be there for photos! 📸😄

📍 MC Real Estate – 102 Main St., Wadsworth, OH 44281
📅 Thursday, December 18th
⏰ 5:30 PM – 8:30 PM

Bring your kiddos, your friends, your family — or come by yourself for a Grinch selfie. 😉
We’ll have holiday cheer, giveaways, and a great time connecting with our amazing community.

Can’t wait to see you there! 💚🎁

11/19/2025

Property taxes are a major piece of the homeownership puzzle.
They’re based on your home’s value and set by local governments. Most lenders collect them monthly and pay them straight from your escrow account.

Here’s the kicker: they’re recurring and can shift year to year. That means they can impact your monthly costs more than folks expect.

Buying or refinancing? It’s smart to factor in property taxes early—it’s not just about the mortgage itself.

11/11/2025

Today we honor the brave men and women who have served and sacrificed to protect our freedom. To all who have served and continue to serve—thank you.
For your bravery, sacrifice; We are forever grateful. 🇺🇸💙

10/29/2025

Planning to buy a home? Don’t forget—your down payment isn’t the only upfront cost. Closing costs (like appraisal and title fees) can sneak up if you’re not ready. We also have down payment assistance programs and grants that can help cover these costs!

Talk with me early so nothing catches you off guard.

10/22/2025

Think you need 20% down to buy a home? That’s one of the biggest myths out there.

In addition to conventional loans offering down payment options at less than 20% down, programs like FHA, VA, and down payment assistance options (like HomeNow) could help you get in the door with less upfront. We have been able to get people into their new homes with little to no money down.

I’ve seen people who assumed they had to wait years—turns out, they may have qualified all along.

Let’s take the guesswork out of it. Please reach out to me for a free mortgage consultation!