Ruoff Loyalty Refinance Program

By Audrey Clark on November, 30 2022
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Audrey Clark

It’s no secret that interest rates have been rising quickly. Many homebuyers have decided to delay their home purchase until mortgage terms become more favorable. With the Ruoff Mortgage Loyalty Refinance Program, you can focus on finding your dream home and know that we will be here for you when rates come down.


Purchase your dream home today, and rest assured knowing that a refinance with steeply discounted closing costs is waiting for you when rates drop again.

• Save up to $2,000 in closing costs* when you refinance with the program
Conventional, FHA, VA & USDA mortgages are eligible
• Buy your home today, and lock in future savings!

The Loyalty Refinance Program gives you the option to refinance with Ruoff Mortgage between 4 months and 3 years of your home purchase with reduced closing costs (up to $2,000).

With Ruoff’s Loyalty Refinance Program, you can spend your valuable time searching for the perfect home, knowing that your future savings are locked in!


Explore your options by talking to a Ruoff Mortgage Loan Officer. Our advice is 100% free, and we're here to help you understand your homebuying and refinance options.



Our smart mortgage calculator can give you the insights you need when planning for your future. Our smart online calculator considers factors like PMI, HOA fees, and even taxes to give you the most accurate estimate at the click of a button.


Like what you see? Send a complete mortgage or refinance estimate snapshot directly to your inbox! Refer back to it at any time as you consider your financial options. Click the banner above to begin calculating!



* Eligible clients that have a purchase loan with a rate lock and closed date between January 1, 2022 and February 28, 2023. The Loyalty Refinance must be claimed by locking a new rate between 120 days and 36 months from the purchase closing date. Refinance loan must be on the same subject property as the initial loan. The Loyalty Refinance Program is eligible on conventional, FHA, VA, and USDA purchase loans. Renovation, construction, and non-conforming purchase loans are ineligible. Ruoff Mortgage will cover the following fees up to $2000 in closing costs: underwriting fee, tax transcript fee, fraud check fee, commitment fee (only applicable on FHA), and first appraisal fee. Offer may not be redeemed for cash or credit and is nontransferable. Offer cannot be retroactively applied to any loans. Offer may not be used with any other discounts. This offer is subject to changes or cancellation at any time at the sole discretion of Ruoff Mortgage. Additional restrictions and conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines. Refinancing may cause finance charges to be higher over the life of the loan. Ruoff Mortgage Company, Inc. is an Indiana corporation licensed by the Indiana Department of Financial Institutions (DFI). For complete licensing information visit: Equal Housing Lender. NMLS#141868 12052022