NMLS 427579. Experienced loan officer with 14+ years guiding Indiana, Tennessee, and Florida residents through successful home financing. Specializing in first-time homebuyer programs, dream home mortgages, vacation property loans, and investment property financing. Passionate about new construction loans. I leverage Ruoff's cutting-edge technology to deliver a streamlined, client-focused lending experience. My goal: happy lending and making your homeownership dreams a reality.