Heidi Ruhe
Senior Home Lending Advisor
NMLS ID: 428269
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About Heidi
Heidi proudly serves clients in the Valparaiso, IN area. Heidi has 16 years of experience as a Senior Home Lending Advisor and specializes in preapproval, fixed-rate mortgages, adjustable-rate mortgages, vacation home financing, FHA and VA mortgages, and conforming loans and jumbo mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Heidi is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Heidi can help you get a clear picture of what might work best for you. Heidi will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Heidi wants to ensure that you have a positive home lending experience.
Heidi's certifications
Chase Certified in FHA Loans
Chase Certified in VA Loans
Chase Certified in Down Payment Assistance Programs
Mortgage Tools 1
Loans & Products
Conventional mortgage
Jumbo Mortgage3
DreaMakerSM mortgage5
FHA mortgage7
Veterans Affairs (VA) loan9
Terms and rates
Chase MyHome10. All things home. All in one place.
Sign in to Chase MyHome to search for the home you’d like, see sales trends, estimate your budget, find a loan and more.
Find a home you love11
Search home listings, neighborhood information and more, based on your needs.
Explore homesWhat's your price range?
How much home can you afford? Enter you information to help determine your homebuying budget.
Go to affordability calculatorExplore your options
For a first home or refinance12. Compare rates, see loan options and find offers that meet your needs and goals.
See your loan optionsFacing the housing affordability crisis
Building on our existing investments, we are helping drive inclusive growth by committing $30 billion by the end of 2025 to advance economic growth and opportunity for Black, Hispanic and Latino communities
40K
Home loans
Originate additional home purchase loans for Black, Hispanic and Latino households.
100K
Affordable housing units
Finance the creation and preservation of affordable housing units in underserved communities.
1M
Improving access
Help people open low-cost checking or savings accounts.
Benefits of working with a Chase Home Lending Advisor
See how our Home Lending Advisors are ready to help you with everything from preapproval13 to finding the right loan, application guidance and more.
Frequently Asked Questions
When is it time to stop renting and buy a home?
When debating between renting vs. buying, you need to think about your lifestyle and finances. While renting can provide more flexibility, owning a home enables you to build equity in the property and may provide tax benefits.
Buying a home is a huge step, especially when you’re moving from renting to owning.
Buying a home is a huge step, especially when you’re moving from renting to owning.
How can I get information on mortgage loan options?
At Chase, you can choose from several types of mortgage loans to finance your home purchase. A Home Lending Advisor can help you understand the differences between the various loan options so you find one that best suits your financial situation.
Once you understand what you want out of a home, determining your housing budget is essential. After determining a loose housing budget, you'll need to decide how much you'll be comfortable paying each month. Your real estate agent will help you find the right home based on all of these factors. Looking for more information? Read our guide on “How to Find the Perfect Home!”
Once you understand what you want out of a home, determining your housing budget is essential. After determining a loose housing budget, you'll need to decide how much you'll be comfortable paying each month. Your real estate agent will help you find the right home based on all of these factors. Looking for more information? Read our guide on “How to Find the Perfect Home!”
What documents will I need to apply for a mortgage?
Traditional loans usually require documents that verify your employment, income and assets, and may include:
• Your Social Security number
• Pay stubs for the last two months
• W-2 forms for the past two years
• Bank statements for the past two or three months
• One to two years of federal tax returns
• A signed contract of sale (if you've already chosen your new home)
• Information on current debt, including car loans, student loans and credit cards
• Your Social Security number
• Pay stubs for the last two months
• W-2 forms for the past two years
• Bank statements for the past two or three months
• One to two years of federal tax returns
• A signed contract of sale (if you've already chosen your new home)
• Information on current debt, including car loans, student loans and credit cards
What is better: a fixed or an adjustable interest rate?
If you plan to be in your home for more than seven years, you may want to consider a fixed-rate mortgage, which offers predictable payments and long-term protection against rising mortgage interest rates. If you plan to be in your home for seven years or less, an adjustable-rate mortgage (ARM)2 could be attractive. Keep in mind that with an ARM, your monthly payments have the potential to go up each time your interest rate adjusts.
Current Chase mortgage rates14
Purchase
Refinance
Calculators
We’ve got all the tools you need to help you make the right decisions.
Use your annual income and expenses or maximum mortgage payment amounts to estimate the home price you can afford.
About Chase Home Lending
Whether you want to purchase a new home, refinance for a lower rate or use your home's equity for updates, we're ready to help you make it happen. You get a variety of powerful online mortgage tools and resources, a dedicated Chase Home Lending Advisor with you every step of the way and access to a personal online site for regular updates about your loan, neighborhood home sales and more.