Ruoff Home Mortgage's One-Time Close Construction Loan program can ease your  stress by offering you a single approval process, a single set of closing costs, and a down payment option as low as 5%.

Ruoff's One-Time Close Construction Loan program  gives you more flexibility and less headaches by combining both your construction and your permanent financing, with the ability to lock at application and possibly reduce that locked rate when the build job is completed.

Rest assured knowing that your Ruoff Home Mortgage loan officer will help your dream home become a reality.

Teresa Shultz-Miller, Vice President/Branch Manager 574-830-5567
First Federal Savings Bank
BAEC Members: Mortgage and Financial Resources

Ruoff Home Mortgage
First Federal Savings Bank is a locally owned bank specializing in mortgage lending. Their Go Green Construction Loan Program offers incentives for using sustainable building principles. Two other loan programs feature lender-paid standard closing costs. FHA loans are also available.

For free pre-qualifications and local loan servicing, contact First Federal Savings Bank, 2926 S. Main St., Elkhart.Member FDIC. Equal Housing Lender. NMLS #399927. Borrowers must meet underwriting guidelines. A delivery fee will be applicable to the loan.
Horizon is a community bank serving Northern and Central Indiana, as well as Southwest Michigan. Our focus is to anticipate and fulfill customer needs with exceptional service and sensible advice. This philosophy is what has kept us operating under our original charter and growing stronger than ever since 1873.

Each Horizon office is led by experienced, local professionals with deep roots in the communities they represent. With a proud legacy of service, we take seriously our responsibility to assist in the growth and prosperity of the communities we also call home. Contact us today to see how we can help you.
(574) 266-8200