Jim Luana - Ruoff Mortgage - NMLS #2403351

06/16/2026

What would you rather have? Drop your answer in the comments!

06/03/2026

First closing in the new Ruoff Wapak office, and it just happened to be on our new home!

Going through the customer experience side of Ruoff was great, and everyone was happy to close early. Thanks to Jeff Bertke, Angela D Elsass and Laura Brookhart!

Ready to make your move?
Come see us!
19 Willipie St, Wapakoneta OH 45895

06/01/2026

ANNNND it's gone...

The window for this opportunity may have closed last night at 8pm, But we are still here to get you prepared for your home purchase and provide you with expert guidance.

"Luck is what happens when preparation meets opportunity"- Seneca

🚨 OHFA RATE SALE IS HERE! 🚨

Back in May, Ohio Housing announced a special rate sale would be launching June 1st… and they delivered! 🎉

We’re seeing some incredible opportunities for qualified buyers through OHFA programs, including:
🏡 First-Time Homebuyers
👮 Ohio Heroes
🎓 Grants for Grads

With down payment assistance options available, this could be the opportunity many buyers have been waiting for.

💰 Like any great sale, these special rates and program pricing can change at any time. If you have buyers who have been sitting on the sidelines waiting for affordability to improve, now is the time to have a conversation.

Call/text- 567-825-3669
Email- [email protected]
Apply- apply.ruoff.com/jim.luana

05/29/2026

Finding the right mortgage means finding a payment that fits
your lifestyle today. If current fixed interest rates are holding you
back from a purchase or a refinance, an Adjustable Rate Mortgage
(ARM) could be your smartest financial move.

Lock in Low Rates: Enjoy a stable interest rate for the first 5 years of your loan.

Maximize Monthly Cash Flow: Payments are still amortized over the life of your loan (30 years).

Equal Opportunity Pricing: Ruoff’s ARM rate does not change based on down payment or credit score. Everyone gets access to our best available ARM rate.

Total Flexibility: No prepayment penalty. Refinance to a fixed rate product at any time.

*The 5/1 ARM program is available for properties located in IL, IN, IA, KS, KY, MI, MN, OH, PA, VA, and
WI. The 5/5 ARM program is available exclusively for properties located in MI.

05/27/2026

OHFA just dropped a limited-time rate sale

First-time homebuyers could see rates WELL below market starting June 1st.

These funds will go fast. If you’ve been waiting for the right opportunity, this may be it.

Call/text- 567-825-3669
Email: [email protected]
Preapproval applicaiton-> apply.ruoff.com/jim.luana

05/25/2026

Today we remember the men and women who gave everything for this country.

Freedom isn’t free.
Comfort isn’t guaranteed.
Sacrifice built the life we get to live today.

Honor them by living with purpose, discipline, and gratitude.

🇺🇸 Memorial Day 🇺🇸

05/12/2026

05/08/2026

MOAR Director Spotlight: Jim Luana - Ruoff Mortgage - NMLS #2403351

Jim Luana is a Senior Loan Officer with Ruoff Mortgage in Wapakoneta. He supports MOAR members by helping clients navigate the mortgage process with clarity, communication, and care.

He shares: “My customer service philosophy is to treat every client with respect and to make their experience as stress free as possible. I strive to provide clear communication, no surprises, and honest advice.”

We appreciate Jim’s partnership and continued support of MOAR members.

05/07/2026

Thinking of buying a home? Let's work together to get a solid pre-approval done upfront so you can shop with confidence!

📲call/text- 567-825-3669
💻email- [email protected]
⌨️start an application online- https://apply.ruoff.com/jim.luana

04/30/2026

DSCR Loans for investment properties.

This loan is an investor-friendly mortgage that qualifies based on the property’s rental income, not your personal income.
🏡 Why investors love DSCR loans:
✔️ Great for rental properties,
✔️ Less paperwork than traditional financing,
✔️ Focuses on the deal, not the W2.