Josh Cranfill - Senior Loan Officer

Josh Cranfill - Senior Loan Officer I'm not your average Mortgage Loan Officer—I see beyond mortgages to the lives and dreams they impact. My commitment to excellence

I prioritize understanding your unique story for a tailor-made solution, whether you're a first-time buyer or refinancing.

A 5-Year Adjustable-Rate Mortgage could be worth understanding, especially if you’re comparing payment options in today’...
06/02/2026

A 5-Year Adjustable-Rate Mortgage could be worth understanding, especially if you’re comparing payment options in today’s market.

The key is not just asking, “What’s the rate?”

It’s asking:

Does this fit my timeline?
Does this fit my monthly budget?
Do I understand how the loan works after the initial fixed-rate period?
Does this make sense for my long-term plan?

A 5-Year ARM may offer a lower initial rate compared to some fixed-rate mortgage options, but it is not the right fit for every buyer. That’s why the conversation should always start with your numbers, your goals, and your comfort level.

If you’re buying a home or considering a refinance, I can help you look at the full picture so you understand your options clearly.

Josh Cranfill, Ruoff Mortgage

📞 Call/Text: 260-409-0808
📧 Email: [email protected]
💻 Apply Online: joshcranfill.com

NMLS 1150967
Equal Housing Lender

Buying a home is not just about getting the keys.It’s also about understanding how ownership is set up.One detail buyers...
05/29/2026

Buying a home is not just about getting the keys.

It’s also about understanding how ownership is set up.

One detail buyers sometimes overlook is **how title to real estate is held** and that decision can matter for ownership rights, future planning, and what happens if life changes.

Common examples may include:

Sole ownership
Joint tenancy with right of survivorship
Tenancy in common
Tenancy by the entirety
Living trust
Corporation or partnership ownership

The right option depends on your situation, your state laws, and your long-term plans. Which is why it’s always important to speak with a qualified legal or title professional before making that decision.

As a local mortgage professional, my goal is to help buyers across Fort Wayne and Northeast Indiana feel more informed throughout the homebuying process, not just about the loan, but about the steps that come with becoming a homeowner.

Have questions about getting started with a home loan? Let’s talk through your options.

Josh Cranfill, Ruoff Mortgage

📞 Call/Text: 260-409-0808
📧 Email: [email protected]
💻 Apply Online: joshcranfill.com

NMLS 1150967
Equal Housing Lender

This post is for educational purposes only and is not legal advice. Please consult a qualified attorney or title professional regarding how to hold title to real estate.

The best connections aren’t always made in an office.Sometimes they happen in the stands, at local events, and in the ev...
05/27/2026

The best connections aren’t always made in an office.

Sometimes they happen in the stands, at local events, and in the everyday moments where you get to be around good people.

That’s what I love about serving Fort Wayne and Northeast Indiana — this business is built on trust, relationships, and showing up for the community.

Mortgage lending is more than paperwork. It’s helping buyers feel informed, helping referral partners feel confident, and making sure people know they have someone they can reach out to when questions come up.

Grateful for moments like this and the people who make this work meaningful.

Josh Cranfill, Ruoff Mortgage

📞 Call/Text: 260-409-0808
📧 Email: [email protected]
💻 Apply Online: joshcranfill.com

NMLS 1150967
Equal Housing Lender

A smooth mortgage experience starts with one thing:Someone who actually answers your questions.Buying a home can feel ov...
05/19/2026

A smooth mortgage experience starts with one thing:

Someone who actually answers your questions.

Buying a home can feel overwhelming, but the right guidance makes a big difference. Thankful for clients who trust the process and take the time to share their experience.

Whether you’re buying your first home, upgrading, refinancing, or just trying to understand your options, I’m here to help make the next step clearer.

Proud to serve homebuyers and families throughout Fort Wayne, Northeast Indiana, and beyond with Ruoff Mortgage.

Ready to talk through your mortgage options?

Josh Cranfill, Ruoff Mortgage
📞 Call/Text: 260-409-0808
📧 Email: [email protected]
💻 Apply Online: joshcranfill.com

NMLS 1150967
Equal Housing Lender

A good day spent giving back to the community. 🌿Recently, we had the opportunity to volunteer alongside a local real est...
05/15/2026

A good day spent giving back to the community. 🌿

Recently, we had the opportunity to volunteer alongside a local real estate company, Keller Williams, to help clean up an area along the Maumee River.

The mortgage business is built on more than numbers and paperwork — it’s built on relationships, trust, and showing up for the communities we serve.

Proud to be out there with my Ruoff Mortgage coworkers, doing a small part to help keep our local area clean and cared for.

Whether it’s serving the community or helping families better understand their home financing options, I’m grateful to be part of the work that helps move people forward. 🏡

📞 Call/Text: 260-409-0808
📧 Email: [email protected]
💻 Apply Online: joshcranfill.com

Josh Cranfill, Ruoff Mortgage
NMLS 1150967
Equal Housing Lender

Great people. Great conversations. Great reminder of why relationships matter. 🙌Events like this are more than just a ch...
05/11/2026

Great people. Great conversations. Great reminder of why relationships matter. 🙌

Events like this are more than just a chance to catch up — they’re a reminder that the mortgage process is built on trust, communication, and helping people feel confident about their next step.

Whether someone is buying their first home, moving into their next one, or just trying to better understand their home financing options, having the right team around them can make a big difference.

Proud to be part of the Ruoff Mortgage community and grateful for the relationships that make this work so meaningful. 🏡

📞 Call/Text: 260-409-0808
📧 Email: [email protected]
💻 Apply Online: joshcranfill.com

Josh Cranfill, Ruoff Mortgage
NMLS 1150967
Equal Housing Lender

Nothing beats the feeling of officially becoming a homeowner! 🏡✨Huge congratulations to Sam on closing on his very first...
05/04/2026

Nothing beats the feeling of officially becoming a homeowner! 🏡✨

Huge congratulations to Sam on closing on his very first home today! Two thumbs up says it all. It was an absolute honor to help you navigate the home-buying process and get you smoothly to the finish line. Enjoy the new place, Sam! 🎉

Thinking about buying your first home or ready for your next move? Let’s make it happen. Reach out today and let's build your roadmap to homeownership! 👇

Josh Cranfill, Ruoff Mortgage
📞 Call/Text: 260-409-0808
📧 Email: [email protected]
💻 Apply Online: joshcranfill.com

NMLS 1150967
Equal Housing Lender

Real People. Real Results. Real Trust. ⭐When Jonathan Morales says Josh "really looks out for your best interest" — that...
04/28/2026

Real People. Real Results. Real Trust. ⭐

When Jonathan Morales says Josh "really looks out for your best interest" — that's not just a compliment. That's a promise we deliver on every single time. 🏡💙

Whether it's your first home or your fifth, working with the right mortgage team makes ALL the difference. That's why clients keep coming back and keep telling their friends.

📲 Ready to experience the Josh Cranfill difference?
📞 Call/Text: 260-409-0808
📧 Email: [email protected]
💻 Apply Online: joshcranfill.com

🏦 NMLS #1150967 | Equal Housing Lender

👇 Drop a comment if you're ready to start your home journey or tag someone who needs this!

Early mornings, fresh coffee, and getting our clients one step closer to their dream home. ☕️🏡Working on a morning preap...
04/22/2026

Early mornings, fresh coffee, and getting our clients one step closer to their dream home. ☕️🏡

Working on a morning preapproval at the office today. If you are thinking about buying a home, getting your preapproval done early is the most critical first step. It gives you clarity on your numbers and the buying power you need to stand out in today's market.

Ready to see what you qualify for? Let’s get your game plan started.

Josh Cranfill, Ruoff Mortgage
📞 Call/Text: 260-409-0808
📧 Email: [email protected]
💻 Apply Online: joshcranfill.com

NMLS 1150967
Equal Housing Lender

It’s about more than just mortgages; it’s about the people and the community that make this work worth doing. ⛳️🏒Whether...
04/20/2026

It’s about more than just mortgages; it’s about the people and the community that make this work worth doing. ⛳️🏒

Whether we’re on the green or at the rink, building strong local partnerships is the foundation of everything we do. Grateful for the team and the connections that keep us moving forward!

Let’s connect and get your homeownership goals on the right track.

Josh Cranfill, Ruoff Mortgage
📞 Call/Text: 260-409-0808
📧 Email: [email protected]
💻 Apply Online: joshcranfill.com

NMLS 1150967
Equal Housing Lender

Address

6920 Pointe Inverness Way
Fort Wayne, IN
46804

Opening Hours

Monday 12am - 11:59pm
Tuesday 12am - 11:59pm
Wednesday 12am - 11:59pm
Thursday 12am - 11:59pm
Friday 12am - 11:59pm
Saturday 12am - 11:59pm
Sunday 12am - 11:59pm

Telephone

+12604090808

Website

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