Jan was amazing, she went out of her way to keep the process going smoothly and all deadlines were completed on time. I highly recommend her.
Diana G.
JE
Location & hours
Open in Google Maps11590 McKinley HighwaySuite AOsceola, IN 46561
Jan Edwards at Certainty Home Lending (NMLS #828721)
Today · 9 AM – 5 PM
Office hours
- Monday
- 9 AM – 5 PM
- Tuesday
- 9 AM – 5 PM
- Wednesday
- 9 AM – 5 PM
- Thursday
- 9 AM – 5 PM
- Friday
- 9 AM – 5 PM
- Saturday
- Closed
- Sunday
- Closed
Reviews
Write a reviewRating5.045 reviews
Satisfied93%58 reviews
Average rating
5.0/5
Exceptional rating
Based on 45 star reviews
Satisfaction
93%
Loved by clients
Based on 58 reviews
Ratings include all 58 reviews. Reviews collected directly from clients are shown only with their permission.
Response from Owner
It was such a pleasure working with you and Lilly on the purchase of your first home! I'm excited to see what the future holds for you and will be here when you're ready to invest in your next home!
Nick S.View on Google
Response from Owner
It was a such a pleasure guiding you and Nick through the process of purchasing your first home together! I am excited for what the future holds for you two and will be here when you're ready to purchase your next home! Best wishes to you both!
lillianne R.View on Google
Jan went above and beyond for us! She truly is amazing at what she does. She was knowledgeable and available anytime needed her. Thank you Jan!
Response from Owner
Maria, I'm so happy to hear that you felt supported and well-informed throughout the process. Your appreciation means a lot to me! Thank you for your trust in me and if there's anything else you need, please feel free to reach out anytime. Enjoy your new home!! :)
Maria K.View on Google
Response from Owner
Susanna, thank you for the excellent rating! I'm glad to know you had a positive experience.
Susanna L.View on Google
Jan was a pleasure to work with! She is professional, fun and very responsive. She kept me informed of things that I overlooked and kept everything moving along expeditiously.
Response from Owner
Anthony, I appreciate your kind words. I'm pleased to know that you found my professionalism and responsiveness helpful throughout the process. If there's anything else you need, please don't hesitate to reach out.
Anthony F.View on Google
Jan was wonderful to work with throughout the entire process. She was incredibly patient and took the time to answer even our simplest questions, which made us feel completely supported. We appreciate her expertise and guidance.
Response from Owner
Magnus, I'm grateful for your kind words. It's nice to know that my patience and guidance helped you feel supported throughout the process. If you have any more questions or need further assistance, please feel free to reach out.
Magnus G.View on Google
We had a fabulous experience with Jan. As first time homebuyers, we didn’t know what to expect. However, Jan guided us through every step along the way to ensure we understood the details of the process. She was very easy to communicate with and access at all times, and she had patience with all of our questions. We would highly recommend her to others! You won’t be disappointed.
Response from Owner
Thank you so much for your kind words, Katie! It has been such a pleasure getting to know you and Kwame and I'm so glad that you had a great first homebuying experience. Wishing you the best in your new home!
Katie Y.View on Google
Jan is absolutely amazing! She was so attentive throughout the entire process and made everything feel completely seamless
Response from Owner
Thank you for your kind words, Elissa! I'm very happy to hear that you felt the process was seamless and appreciated my attentiveness. It was truly a pleasure working with you.
Elissa S.View on Google
Jan is absolutely amazing! She was so attentive throughout the entire process and made everything feel completely seamless
Response from Owner
Thank you so much for your kind words, E! I'm glad to hear that you found the process seamless and appreciated my attentiveness. It was a pleasure working with you.
E S.View on Google
Jan was excellent to work with all the way through the process. She was professional, knowledgable, and communicative from day 1. We had worked with her for at least a couple years, back to when we first got pre-approved and started making offers. Would highly recommend Ruoff, and Jan specifically. We hope to work together again in the future! Thanks, Tom & Caitlin H, April 2026
Response from Owner
Thank you, Tom and Caitlin, for your kind words! It's been a pleasure working with you throughout the process, and I appreciate your trust over the time we've worked together! Your recommendation means a lot to me, and I look forward to the possibility of working together again in the future. Please keep in touch when you all are visiting the neighborhood! :) All the best!
Tom H.View on Google
Response from Owner
I appreciate the perfect rating, Aaron. If there's anything else I can do for you and Monique, feel free to reach out. Happy New Year and happy new home! :)
Aaron 7.View on Google
Baby step me through the whole process. This was much needed since this was our first time. I like that Jan didn't hold back. She told me what I needed and how I could achieve that goal. Definitely will recommend Jan, especially if your a first timer.
Response from Owner
I'm so happy for you and your family, Monique! It was an absolute pleasure working together and I'm so glad that you achieved your goal of owning your new home BEFORE Christmas! :) I'm so grateful that you trusted me to help you through the process! And thank you recommending me...that's the biggest compliment you could give me! :) Best wishes!
monique Y.View on Google
Jan was great throughout the home buying process, she was informative and knowledgeable which eased our minds when it came time for closing on our home.
Response from Owner
Thank you for your kind review, Kaelie! It was a pleasure working with you and Ian on the purchase of your first home. I'm so glad that you found your experience working together a pleasant one! Best wishes and Happy Holidays!
Kaelie A.View on Google
Fantastic throughout the entire process. Enjoyed the assistance and information provided to us.
Response from Owner
I'm so glad that you had an enjoyable experience purchasing your first home, KJ! It was a pleasure working with you and Mackenzie and I'm so excited for you two to begin this new chapter in your life. Best wishes to you and your growing family! I'm here if you need anything! :)
Kyle F.View on Google
Response from Owner
Thank you for the 5-star review! :)
Ttv X.View on Google
The communication was great the staff was polite and kind.
Response from Owner
Thank you for your kind review, Dexter! I am so grateful to have been a part of your homeownership journey and please keep in touch! Wishing you, Marcy, and your family the best!
Dexter K.View on Google
Response from Owner
Thank you for your 5-star rating, Phonzo! It was a pleasure working with you and Emily and I hope you are settling into your new home comfortably! Please reach out to me anytime with questions or concerns regarding your mortgage. Take care!!
Alphonza S.View on Google
Response from Owner
I appreciate your 5-star rating, Sara! If you have any further feedback or questions in the future, feel free to reach out. Congratulations on buying your first home!!
Sara M.View on Google
Jan made everything super east to understand and she used great communication when she needed us to get something done and if we had any questions she was always more than willing to help.
Response from Owner
Thank you, Phillip, for sharing your experience! I'm glad to hear that you found the process easy to understand and that my communication was helpful. It’s important to me that everything is clear and any questions are promptly addressed. Your feedback is greatly appreciated, and it was a pleasure to work with you. If there's anything more you need, please feel free to reach out anytime!
Phillip L.View on Google
I could not have asked for a better experience throughout the entire mortgage process. Jan communicates effectively and consistently, and there were no surprises because of her knowledgeable professionalism. I would highly recommend Jan for all mortgage needs!
Response from Owner
Thank you for sharing your experience! I'm delighted to hear that the mortgage process was smooth and transparent for you. Effective communication and professionalism are key priorities for me, so I'm glad these stood out in your experience. Your recommendation is greatly appreciated, and if you ever have future mortgage needs, don't hesitate to reach out.
Karen H.View on Google
Response from Owner
Thank you for the 5-star review, Greg!
Greg A.View on Google
Jan was excellent. Smooth, stress free and always professional!
Response from Owner
I'm thrilled to hear that your experience was smooth and stress-free! It was a pleasure assisting you, and I am grateful for your kind words. Thank you for your feedback!
Rene G.View on Google
My experience at Ruoff Mortgage and with Jan Edwards was nothing but pleasurable. Jan was professional and was with me every step of the process. She made me feel like I truly mattered, and I never doubted that I was in excellent hands. I highly recommend Jan at Ruoff Mortgage.
Response from Owner
I am so glad that you were referred to me, Eden! It was an absolute pleasure working with you and I'm so grateful that you trusted me with the process of refinancing your mortgage! Your kind words are so appreciated and I look forward to seeing you again soon!
Eden M.View on Google
Jan is one of the best of the best mortgage lenders in this industry! I can say that because I have been in this industry for over a decade, and she has been consistently fantastic to work with. If it can be done, she will make it happen! A true miracle worker and the most pleasant person to work with. She genuinely cares so much and goes above and beyond for you. When I bought my personal home, the only lender I trusted was Jan and she knocked it out of the park. Couldn't be happier or more grateful! Thank you Jan!l
Response from Owner
Leah, I truly appreciate your kind words and trust. I hope that the next chapter in your life is the best yet and I look forward to watching what you do next!! Thank you for your heartfelt review!
Leah M.View on Google
Closing costs were better than initial estimate. Jan kept us informed every step of the way and helped us to work through the issues we encountered during the process.
Response from Owner
I'm pleased to know that the closing costs were favorable and that I was able to keep you informed throughout the process. It was a pleasure assisting you with your mortgage, and I'm glad we could work through the issues together. Thank you for your kind words.
Jep H.View on Google
Jan made this an easy and arguably fun process. It was a stark contrast to the horror stories I heard from other people about their experiences with the mortgage process.
Response from Owner
I'm thrilled to hear that you had such a positive experience! Making the mortgage process smooth and enjoyable is always my goal, and it means a lot to know I could help make it fun for you. Thank you for your kind words and for choosing Ruoff Mortgage. If you ever have questions or need assistance in the future, I'm here to help!
Jason S.View on Google
Response from Owner
Thank you so much, Kolt! I’m thrilled to hear that you had a positive experience working with me at Ruoff Mortgage. It was a pleasure helping you, and I’m glad we could meet your expectations. If you ever have any questions or need assistance in the future, don’t hesitate to reach out. Wishing you all the best!
Kolt R.View on Google
I would absolutely recommend Jan! She was an absolute pleasure to work with and made things as stress free as possible! She’s patient and understanding and gives an overall great experience!!
Response from Owner
Thank you so much, Autum! It was truly a pleasure working with you too. I'm thrilled to hear that your experience was stress-free and enjoyable. Your kind words mean the world to me, and I'm so glad I could assist you through the process. If you ever have any questions or need further assistance in the future, I'm always here to help!
autum E.View on Google
Jan was always quick to respond to questions and knew the status Of our homebuying progress. she was good about following up and making sure we as homebuyers stayed motivated to stay on track during the homebuying process.
Response from Owner
Hi Devin, thank you so much for the 5-star review! I'm thrilled to hear that you were satisfied with the communication and follow-ups throughout your homebuying journey with Ruoff Mortgage. Keeping you motivated and on track is key to a successful process. It was my pleasure to assist you and I'm always here if you have any future questions. Thanks again, Jan Edwards.
Devin D.View on Google
Jan was delightful to work with! She answered all our questions and made us feel confident and empowered as first time home-buyers. She was knowledgeable, professional, and very personable. Thank you so much for your help, Jan!
Response from Owner
Thank you so much for your wonderful review and for the full 5-star rating, Bailey! I'm so glad that you felt confident and empowered throughout your home buying process. I always strive to provide a knowledgeable, professional, and personable service, and I'm glad you felt that during our time working together. Your kind words truly mean the world to me. Thank you for placing your trust in me and Ruoff Mortgage. Enjoy your new home and Happy Thanksgiving!! Jan Edwards, Ruoff Mortgage
Bailey B.View on Google
Jan was great from our first interaction she helped us with every step. Every time we talked felt like she was aware of and understood all our concerns.
Response from Owner
Joseph, I'm really pleased to hear that you had such a positive experience with me. It was my pleasure assisting you throughout the process, making sure every step was clear and all your concerns were addressed. Thank you so much for the stellar rating and the wonderful review! I'm so excited for you, Bailey, and Cecelia to start your next chapter in your new home! If you ever need more assistance in the future, don't hesitate to reach out. :) Happy Thanksgiving to you and your loved ones!
Joseph B.View on Google
Response from Owner
I'm thrilled to hear that you had a positive experience with us, Cal! Your 5-star rating is greatly appreciated. It's rewarding to know that my efforts to provide excellent service are recognized. If you have any other needs or questions about Ruoff Mortgage's services, don't hesitate to reach out. Thanks again for taking the time to rate our services, Cal! - Jan Edwards.
A U.View on Google
Response from Owner
It was such a pleasure working with you, Ed! Congratulations on your new home and best wishes on the sale of your old one!
Such a pleasure working with Jan. We couldn’t have asked for a smoother process.
Response from Owner
It was an absolute pleasure working with you and Ryan, too!! Thank you for the kind review!!
CourtneyView on Google
Jan was fantastic! She made the whole process very easy and did a great job answering my questions at each step. We were able to close early which was a huge help. Could not have had a better experience!
Response from Owner
I'm really glad to hear about your positive experience, Eric! I strive to make the loan process as smooth and quick as possible for my clients. It's particularly rewarding to know that you felt the service was worth 10 stars! Looking forward to any future opportunities to assist you. Thanks for your trust and for taking the time to leave such a wonderful review. Welcome Home!
Matthew J.View on Google
Response from Owner
Thank you, Kristen! Welcome to SB!
Kristen M.View on Google
Jan has always done an amazing job!
Response from Owner
Thank you so much for your kind words, Shannon! It is always a pleasure working with you!
Shannon Q.View on Google
Quick and professional communication
Response from Owner
Thank you for your kind review, Curtis!! Enjoy your new home! It was a pleasure working with you again! :)
Curtis N.View on Google
Jan is well versed in the current Real Estate market and offers pristine customer service to her clients. She has loan products for just about every buyer out there and is quick to communicate.
Response from Owner
Thank you for your kind review, Cheryl!! ☺️
Cheryl B.View on Google
Response from Owner
Thank you for your 5-star review, Eddie! Congratulations on purchasing your first home!
Eddie A.View on Google
Response from Owner
I'm really glad to hear about your positive experience, Eric! I strive to make the loan process as smooth and quick as possible for my clients. It's particularly rewarding to know that you felt the service was worth 10 stars! Looking forward to any future opportunities to assist you. Thanks for your trust and for taking the time to leave such a wonderful review. Welcome Home!
Lexi G.View on Google
Response from Owner
I'm really glad to hear about your positive experience, Eric! I strive to make the loan process as smooth and quick as possible for my clients. It's particularly rewarding to know that you felt the service was worth 10 stars! Looking forward to any future opportunities to assist you. Thanks for your trust and for taking the time to leave such a wonderful review. Welcome Home!
Emily J.View on Google
Response from Owner
I'm really glad to hear about your positive experience, Eric! I strive to make the loan process as smooth and quick as possible for my clients. It's particularly rewarding to know that you felt the service was worth 10 stars! Looking forward to any future opportunities to assist you. Thanks for your trust and for taking the time to leave such a wonderful review. Welcome Home!
Luis D.View on Google
Response from Owner
Thank you for your 5-Star review, Margo! It was such a pleasure working with you all on the purchase of your new home! I hope you're settling in nicely!!
Margo W.View on Google
I met Jan in 2005 (ish) while I was a Realtor. We were newbies navigating the real estate/lending world. She was like a breath of fresh air; always smiling & upbeat. She kept me in the lending loop while we had breakfast; which was often. Jan was always available to answer any questions I had and never made me or my clients feel like we were on the back burner. Jan is knowledgeable, pays attention to detail, caring fun and giving. She knows her lending stuff! I highly Recommend Jan for lending needs!
Response from Jan Edwards at Certainty Home Lending NMLS #828721
Thank you for your kind words! Also, it certainly doesn’t feel like 2005 was SO LONG AGO!! 😂❤️
Tammy H.View on Facebook
Jan walked my client from not ready to purchase to a qualified buyer. She then gathered us at the closing table with a smile on her face ~ the seemingly impossible became reality!
Response from Jan Hill Edwards
Thank you, friend! I’m so happy for our guy!
Carla M.View on Facebook
I was a first time homebuyer and had no idea what I was doing or what I was getting myself into. Jan was so helpful with laying out all of our options and keeping our best interests in mind. I never felt like I was being annoying with all my questions I was throwing at her, even after closing. She made this whole process so easy and I couldn’t be more thankful for all of her help!
MacKenzie G.View on Facebook
Being a first time home buyer I was nervous going into this whole process. Jan is amazing at what she does. Jan is really approachable, friendly, nice and was willing to answer any of my questions. Closing can be both scary and exciting all at the same time, however Jan had prepared me with all the information I needed to feel comfortable signing papers. It was reassuring to have her at closing with me! If you are looking to get pre approved I would recommend her!
Megan D.View on Facebook
Jan is great at what she does! She is also easy and fun to work with. I highly recommend her.
Nick B.View on Facebook