Homer City, PA Loan Officer Joanne Ruffner at S & T Bank specializes in guiding clients through the home financing process. A dedicated mortgage professional, Joanne offers expert advice and personalized solutions to meet your unique needs. Connect with Joanne during business hours, 9 AM to 5 PM, to explore your mortgage options. Serving Homer City and neighboring communities, Joanne is committed to providing comprehensive mortgage services and helping you achieve your homeownership goals.