Brian Courtney Ruoff Mortgage

03/05/2026

Today marks a big win for consumers and the mortgage industry.

New regulations taking effect today significantly limit the sale of credit report trigger leads—the practice where a borrower’s credit inquiry could instantly be sold to multiple lenders, often resulting in a flood of unwanted calls and texts.

For homebuyers, this means more privacy, less spam, and a better experience during the mortgage process. Instead of being bombarded by dozens of lenders the moment their credit is pulled, borrowers can focus on working with the professional they actually chose to trust.

A small change in policy… but a big improvement for consumer protection.

12/06/2025

Congrats to these new home owners. Shout out to Carrie Long - Rock House Realty finding and help them get into the perfect home just in time for Christmas. 🎅🏻 🌲

Congratulations to Caleb and Jayme on the successful closing of their first home. The sense of excitement and accomplishment they feel is truly remarkable. I am delighted to have played a part in making this possible and I am thrilled for them. Thank you for entrusting me with this opportunity.

Shout out to Brian Courtney with UHM for the flawless financing on this one!

10/14/2025

Great time hanging out with the CrossFit Expedition crew for the Buckeyes game. Thank for the invite! Matthew Paradis

09/06/2025

Such a great day filled with great people! Had a blast at For the Love of Hilliard Event today!

08/02/2025

Congrats to these first time home buyers on their beautiful home. 🌟 🏡

Congratulations to my first time home buyers on the purchase of their new home! It’s a beauty!! 🏡 Thank you for trusting me in this process, it was a pleasure working with you all!

Shout out to Brian Courtney for a smooth lending experience for our clients!! 💥💥Thank you!!

08/01/2025

Let’s go Tribe!

07/22/2025

Thinking about buying or selling a home with solar panels? Read this first.

While solar can help reduce your electric bill, they often come with a hidden hitch: a solar loan that buyers must assume — and those aren’t always easy or quick to transfer.

In one recent transaction, the assumption process dragged out for 70+ days — and in the end, the seller had to pay off a $36,000 balance just to close!

Before you list (or fall in love with) a solar-equipped home, let’s talk strategy:
✅ What to ask
✅ What to watch for
✅ How to protect your deal

I’m here to guide you through it — without surprises at the closing table.

📲 Message me if you have questions about how solar loans could affect your next move.

07/01/2025

Closing Day! Excited to be closing for an amazing young couple buying their very first home!

Their journey didn’t start out easy—they were feeling stuck and unsure after not being connected with the right loan officer. But after sitting down together in person, we had an honest conversation, explored their options, and found a clear path to homeownership.

Now, they’re unlocking the door to their future—and I couldn’t be happier for them.

Helping people move from “we’re not sure it’s possible” to “we did it” is why I love what I do.

What do ya’ll think the my closing gift that I used AI to help with the rendering? I think it’s my new go to.

07/01/2025

💡 Realtor Myth: “I’m required to give three lender referrals.”

Let’s clear this up—there’s no law or rule that says real estate agents must provide three lender options. That’s a long-standing misconception based on an old RESPA guideline that was eliminated decades ago.

Yes, giving clients options is great—but asking them to interview three lenders “just because” can add unnecessary stress and confusion to an already complex process.

As professionals, we should be confident in the partners we refer. That means vetting our lenders, tracking their performance, and aligning the right fit to the client’s specific situation.

This doesn’t mean you only work with one lender—it means you provide one solid referral at a time, based on who’s best positioned to help that particular client succeed. 🎯

Let’s focus on quality, not quotas.

07/01/2025

Let’s welcome this couple to Columbus as they move to be closer to family.

Welcome to town! All the great energy with these folks. Great partnership and support with Brian Courtney Union Home Mortgage !