Are You Ready To Buy A Home?

A VA purchase loans, offer eligible veterans, active-duty service members, and qualifying surviving spouses a powerful path to homeownership with benefits designed to make buying a home more accessible.

VA loans may allow qualified buyers to purchase with no down payment and no monthly private mortgage insurance (PMI), often paired with competitive interest rates and flexible qualification guidelines. These advantages can help increase buying power and reduce upfront costs.

If you've served our country, you may have earned benefits that can create meaningful opportunities when purchasing a home. Our team can help you understand your eligibility, walk you through your options, and build a strategy that helps you move forward with confidence.

Start your homebuying journey with a clear mortgage strategy. Having a plan in place helps you understand your buying power, set realistic expectations, and shop with confidence so your decisions are driven by goals and strategy, not emotion alone.

In which state are you looking to purchase a property?

What type of property are you interested in purchasing?

Are you a first-time home buyer?

What will be the intended use of the property?

What is your estimated credit score?

What is your gross annual income?

Do you currently work, or have you ever worked, in any public safety or emergency services role that might qualify you for specialized mortgage programs for first responders?

Please indicate your current or previous role in public safety or emergency services that might qualify you for specialized mortgage programs for first responders.

Are you open to working with a HERO real estate agent partner, which could provide you with a possible cash rebate or closing cost credit?

Are you eligible for VA benefits?

What is your full name?

What is your email address?

What is your cell phone?

Getting preapproved is one of the most important first steps in the homebuying process. Here’s why: it helps you understand your buying power, strengthen your offer, and move forward with confidence before you start house hunting. Here's why:

  • Know Your Buying Power - Preapproval helps you understand your budget and monthly payment options so you can shop with clarity and confidence.

  • Be a Strong Buyer - A preapproval letter shows sellers you're serious, qualified, and ready to move quickly in a competitive market.

  • Create a Smoother Process - The preapproval process helps identify potential roadblocks early so you can address them before finding the right home.

  • Negotiate with confidence - Having your financing strategy in place allows you to make stronger offers and move forward with confidence.

Ruoff Mortgage - The Vermillion Lending Team

NMLS# 227336

Contact Us

3455 Mill Run, Ste. 101, Hilliard, Ohio 43026

Columbus, Ohio, Ohio 43026

Ruoff Mortgage - The Vermillion Lending Team is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Ruoff Mortgage - The Vermillion Lending Team will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit:

http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

NMLS: 227336 || OH: MLO.021770.001

© Copyright 2026 | Ruoff Mortgage - The Vermillion Lending Team | All rights reserved.

© Copyright 2026 | Ruoff Mortgage - The Vermillion Lending Team | All rights reserved.