Are Rates to high?
Sep 30, 2026
After 32 years lending in Fort Wayne, I've helped countless first-time homebuyers, move-up families, veterans with VA loans, and self-employed borrowers make smart home financing decisions. I focus on clear, proactive communication with a touch of wit to keep everything approachable, ensuring you always know what's coming next in the process. Real estate agents and clients appreciate my problem-solving style that turns potential headaches into smooth experiences.
Beyond the loans, my 31-year marriage fuels my love for family time, golf outings, and being 'Papa' to two grandkids. If you're looking for a friendly, experienced guide through your mortgage, let's connect over coffee or a quick call to discuss your options and get you moving forward.
Jeff Hammel VP | Branch Manager
Sep 30, 2026
Jeff Hammel
VP | Branch Manager
NMLS: 162437
GA: 63725
KY: MC382803
OH: MLO-OH.162437
Ruoff Mortgage Company, Inc., doing business as Ruoff Mortgage, is an Indiana corporation. This blog is for general informational purposes only and is not intended to provide financial, legal, or credit advice. It is not an offer to extend credit, a commitment to lend, or a guarantee of loan approval or specific loan terms. All loans are subject to borrower eligibility, verification, and satisfaction of applicable underwriting guidelines. Information is current as of the date posted and is subject to change without notice. Equal Housing Lender. NMLS ID 141868. For complete licensing information, visit www.nmlsconsumeraccess.org.