Jim Simms

Background

About Jim Simms

NMLS 6395 My online application and web pages: https://apply.ruoff.com/jimsimms LinkedIn is my networking program, don't hesitate to connect if you live in Kentucky! My career as a Mortgage Loan Officer began in 1991 at Norwest Mortgage. There was no training program. They sat me at an empty desk piled with thousands of pages of mortgage mumbo jumbo." Read it all and don't take a loan application until you can do it without messing it up!" That was my training. Since then I have lost count of the hours/days/months of continuing ed. The first thing on my calendar is watch a video or read about mortgages. I loved helping people finance their homes, it was awesome and they paid me to do it! The funniest thing I have financed - a dog. Sellers left their pet in the house while it was shown and the buyers wrote in their offer that Spot was to remain, technically I financed the mutt. Can't do that today, would need to appraise the dog separately under current guidelines. I continued to study Mortgage mumbo jumbo to learn the mortgage business. I ranked in the top 5% of the company's national sales force. In 1998 came a huge acquisition, Wells Fargo. I was the first loan officer at WF east of the Mississippi to use Automated Underwriting Software (AUS). A lot has changed since then! Ruoff Mortgage is a family owned company with cutting edge tools to help finance a next home or refinance your existing home.