Jamie Freeze Residential Mortgage Lender

05/29/2026

We have noticed more and more people wanting to meet in person and we love it!

Stop in, call or message anytime to set an appointment. We love getting back to basics and meeting for in person preapprovals to start your home search.

05/27/2026

The home inspection helps the buyer understand the true condition of the home before closing. The appraisal makes sure the lender is lending what the home is worth. Both are important steps on the journey to homeownership! 🔑

05/22/2026

5/1 Adjustable Rate Loan Option now available!

05/21/2026

Not sure how to calculate your mortgage payment? Good news—you don’t have to guess.
Ruoff Mortgage has easy-to-use calculators to help you plan with confidence:
•Purchase
•Refinance
•Income
•Affordability
Start crunching the numbers here: https://www.ruoff.com/calculators

05/20/2026

5.0 star review received on Experience.com for Jamie Freeze by Austin T W - Jamie really made the whole experience so much easier really glad we got to work with her!

Click to see all 135 reviews of Jamie Freeze, Ruoff Mortgage, Senior Loan Officer

05/15/2026

Our block party with Ruoff and Kiracofe Homes ROCKED! The community showed up for a great night of games, giveaways, food, and great music. We got to visit with some old faces and meet a lot of new faces from the Garrett community, too!

A huge thank you to everyone who came out and helped make the event such a success. Events like this are really what make small towns like Garrett feel like home!

05/12/2026

Homeownership is more than just having a place to live, it can also be a powerful way to build long-term wealth.
Every mortgage payment helps build equity instead of paying a landlord. Over time, your home may appreciate in value, increasing your financial investment even more. As equity grows, it can become a tool for future goals like home improvements, emergency funds, or future purchases. Homeownership may also provide tax advantages and more long-term stability with consistent monthly payments.

05/07/2026

5.0 star review received on Experience.com for Jamie Freeze by Brittney F - Jamie and her team made this process incredibly easy. First time buyer and I had no idea that buying could be this easy! Jamie set me up with my awesome realtor, Alyssa. The whole experience was wonderful. Appreciate the team for making my dream home mine!

Click to see all 129 reviews of Jamie Freeze, Ruoff Mortgage, Senior Loan Officer

05/04/2026

Thursday! Come to the family block party for FREE food trucks and fun at Saddle Ridge, Garrett’s newest housing addition! Looks like no rain. Should be a good time!
Kiracofe Homes

04/28/2026

5.0 star review received on Experience.com for Jamie Freeze by Hannah R G - Working with Jamie at Ruoff Mortgage was truly one of the best parts of our home buying experience. From the very beginning, she made us feel confident, informed, and completely taken care of.

Jamie is an incredible communicator—she kept us updated every step of the way, answered every question quickly (and we had plenty!), and explained things in a way that actually made sense. Nothing ever felt overwhelming because she was always one step ahead, guiding us through the process with so much patience and clarity.
What stood out most was how genuinely supportive she was. You can tell she truly cares about her clients—not just getting to the closing table, but making sure you feel secure and confident in every decision along the way. That kind of peace of mind is priceless when you’re making such a big investment.

From start to finish, Jamie made the entire process feel smooth, organized, and even enjoyable. We are so thankful for her and would recommend her to anyone in a heartbeat.

Click to see all 125 reviews of Jamie Freeze, Ruoff Mortgage, Senior Loan Officer