I'm a younger person and this was my first home purchase. Dave did a great job at explaining everything and if I didn't understand, he would put it in a simpler form. He was very warm and inviting right away. I was nervous at first, but about halfway through our first meeting, I felt like I have known him for years! He was extremely easy to talk to. Also, I could tell he enjoys his job. He was all around absolutely fantastic. I will recommend him to everyone I know!
Dave was very friendly and made me feel very comfortable. Sometimes it is stressful buying or refinancing a home and he kept my mind at ease through it all. I will definitely come back to him on my next home. I would recommend everyone to talk to Dave.
Dave kept me in the loop every step of the way. He didn't use big words or mislead me at all. He told me what he could do for me and kept to his word!
The process was easier than I expected, Dave Chmiel was great, super helpful, and fun to work with.
I was worried about what my final monthly mortgage payments would be and Dave's estimates were dead on. He explained each variable and which ones were most accurate and which ones could change. He really made the whole process easy to follow.
Dave was incredibly friendly and inviting and he obviously knew his stuff. As first-time home buyers, we were nervous about the process, but Dave helped make sense of things and made sure we were comfortable before moving on to each new step. We couldn't have asked to work with a better person or company.
Having Dave as our lender was great. Everything was understandable and easy during the process. We would definitely recommend and use Ruoff again and again.
I felt like I was their only customer which put me at ease.
Dave did a great job explaining everything that was happening in great detail. When explaining the process and the next steps he gave us explanations that were easy for us to grasp.
Everything was done very efficiently and moved along at a good pace. Dave Chmiel was always very prompt in answering questions and keeping me up to date in the process. Ruoff made things very smooth!
Dave was very knowledgeable, and just a great guy to work with. He explained everything well and was very quick to respond to an email or a text to his phone.
