He is a trusted mortgage professional, husband, and father and has built a lifelong reputation of integrity, hard work, trusted leadership, and guidance. For decades his clients, realtors, and referral partners have come to know and trust him without question. He has helped them to manage risk and how they can better position themselves to handle the continuous changes in their credit, interest rate environment, and housing markets across the country.

Joseph enjoys helping his clients, realtors, and referral partners in their mortgage and financial affairs. However, Joseph’s true love is spending time with the love of his life, his beautiful wife, Jennifer, and has been happily married since 1991. After being married they were blessed with two wonderful sons. As a committed husband and wife, they spend as much time together and with their sons and family pet, enjoying such things as talking, hiking, walking, being at the lake and living by Bible Principles.

Joseph takes the time to get to know his clients and learn their unique situation so he can ensure they get the mortgage loan they need. Whether you are purchasing your first home, relocating to the area, or simply refinancing your current home, Joseph will help you understand your options and the mortgage that’s best for you.

Originally from Muncie, Indiana, Tim graduated from Butler University and now resides in Fishers with his wife and two children. In his free time, he enjoys being on the lake, playing golf, and spending time with family and friends.

Tim looks forward to helping you achieve your homeownership goals.

As son of a retired, third-generation, 37 year tenured first responder, I understand the complexity that comes with the job and the sacrifices you make for your families, which is why I offer a streamlined mortgage process, focused on you getting back time with your families. Backed by Ruoff Mortgage—the #1 mortgage company in Indiana—I help clients confidently navigate the home financing process with personalized guidance and trusted expertise.

Originally from Fort Wayne, Indiana, I graduated from University of Indianapolis and now reside in Westfield with my wife, Alli, and our son, Graham. In my free time, I enjoy traveling, playing golf, trying new local restaurants, and spending time with family and friends.

I look forward to helping you turn your hard work into a home.

She believes education and transparency empower better financial decisions, and she’s passionate about ensuring every client has the opportunity to thrive in their community. Janet proudly works with union members and understands the unique benefits, pay structures, and career paths that come with union employment.

A native of Wisconsin and a Hoosier for more than 20 years, Janet lives in Fishers with her husband and their three cats. They have four grown children who keep life interesting. Outside of lending, Janet is an avid reader, self-proclaimed taco connoisseur, and enthusiastic Green Bay Packer Backer. A former public official and lifelong supporter of community engagement, she continues to bring those values into her work: helping others achieve stability and opportunity through homeownership.

As one of her favorite characters, Leslie Knope, once said: “I care. I care a lot. It’s kind of my thing.” That sentiment perfectly captures Janet’s approach, caring deeply about people, their goals, and the communities they call home.