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Kym Baker

VP of Mortgage Lending · NMLS# 804933

Osceola, IN5.0(48 reviews)

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Kym Baker at Certainty Home Lending (NMLS #804933)

Today · 9 AM – 5 PM

11590 McKinley HighwaySuite AOsceola, IN 46561
Rating5.048 reviews
Satisfied100%48 reviews

I'm a first time homebuyer, so I was nervous going into it. Every time I had a question, I would send Kym a message and she would respond quickly, and make sure I understood what I was signing and agreeing to. She didn't make me feel pressured by any of the process. She made me feel like a person and not just a client making her money. I would truly recommend Kym for anyone in the home buying process. She cares about her clients and she knows how to do her job and make people feel more comfortable.

Emilie S.View on Google

Kym was amazing to work with and made the process as stress free as possible!

Response from Owner

Andy, I'm pleased to know that working with me made the process stress-free for you. Thank you for your kind words!

Kym was very professional and kept us informed every step of the way. She was a pleasure to work with. Rate’s were as low as she was able to get and the deal went smoothly,

Response from Owner

Randall, thank you for the 5-star rating! I'm grateful for your support and trust in my services at Ruoff Mortgage.

Randall E.View on Google

Response from Owner

Joryn, thank you for the great rating. I'm glad to know you had a positive experience with me at Ruoff Mortgage.

Kym was so great to work with! She made the process so easy.

Response from Owner

Whitney, I'm glad to hear that working with me made the process easy for you. I appreciate your kind words and am grateful for the opportunity to assist you.

Whitney E.View on Google

Kym was amazing!! She was prompt with communication and really helped us understand the whole process.

Response from Owner

Andrea, I appreciate your kind words about my communication and support during the process. I'm glad I could help you understand everything clearly. Thank you for sharing your positive experience!

Andrea W.View on Google

Response from Owner

Hannah, thank you for your 5-star rating. I'm grateful for your support and pleased to have been a part of your experience with Ruoff Mortgage.

Hannah R.View on Google

It was nice to work with Kym and stress free. Kym Baker is 20 out of 5 stars!!! I will be sharing her with everyone I know who is looking to get they're new home. Kym Baker is TRULY a class act. Thank you for making our dream come true

Response from Owner

Ryan, I'm grateful for your kind words and thrilled to know that working with me was a stress-free experience for you. Your intention to recommend me is truly appreciated, and I'm pleased to have been part of making your dream come true. Thank you for your trust and support!

Fantastic experience with Kym and Ruoff!

Response from Owner

Karen, I'm glad to hear you had a fantastic experience with me and Ruoff Mortgage! Your feedback is truly appreciated, and I'm thankful for the opportunity to work with you.

Kim was awesome to work with. I would highly recommend her to anyone I come across. 11/10 would def go with ruoff mortgage and Kim again.

Response from Owner

Steven, I'm happy to hear that you had such a positive experience working with me at Ruoff Mortgage. Your recommendation means a lot, and I'm grateful for your kind words. If you ever need assistance again in the future, I'd be glad to help.

Steven S.View on Google

Kym was amazing. We were going through a hard time with the loss of our parents. Our one goal was to keep their house. She helped us with our options and ultimately we got to keep the house. She is quick to answer, kind, compassionate and so easy to work with.

Response from Owner

Hailey, I'm truly grateful for your kind words and am glad I could help during such a difficult time. It means a lot to me that I could support you in achieving your goal of keeping your parents' house. Thank you for trusting me to guide you through this process.

Hailey E.View on Google

Kym Baker is wonderful. She made the process as smooth as possible. Highly recommend!

Response from Owner

Thank you, Olivia, for your kind words. I'm glad to know that I could help make the process smooth for you. Your recommendation means a lot to me!

Olivia E.View on Google

Response from Owner

Thank you, Ashley, for the perfect rating! I'm grateful for your support and trust in my services at Ruoff Mortgage.

Ashley F.View on Google

The communication was great and Kym paid attention to every detail to ensure the process went smoothly. Thanks for the excellent service!

Response from Owner

Aaron, it's great to know that you valued the communication and attention to detail during the process. I strive to ensure everything goes smoothly for my clients, and I'm glad that came through in your experience. Thank you for your kind words! If there's anything else you need, I'm here to help.

Response from Owner

Thank you for the perfect rating, Tamera. I appreciate your support and trust in my services at Ruoff Mortgage.

Tamera H.View on Google

Response from Owner

I appreciate the perfect rating, Nana. Thank you for evaluating your experience with me at Ruoff Mortgage. If you ever have any questions or need assistance in the future, please feel free to reach out.

Kym was amazing to work with. She had a positive attitude every time we spoke and worked very well with us and our realtor.

Response from Owner

It was a pleasure working with you and your realtor, Heather Merrill, throughout the process. I'm glad my positive attitude resonated with you, and I appreciate your kind words. If any questions come up or you need further assistance, feel free to reach out.

Response from Owner

I appreciate the high rating, Nikki. If there’s anything more you'd like to share about your experience, feel free to reach out anytime.

MysteriousView on Google

Kym was great to work with! She was super helpful at every step of our home buying process.

Response from Owner

I appreciate your kind words and am happy I could assist you at each stage of your home buying journey. Being a part of such an important milestone is always rewarding, and I'm glad I could provide the support you needed. If there’s anything else you need or any questions come up, don’t hesitate to reach out.

Response from Owner

I appreciate your 5-star rating, Robert. Thank you for your support. If you have any further feedback or need assistance down the line, feel free to reach out.

Robert B.View on Google

Things ran smoothly, and we stayed in good contact the whole time

Response from Owner

It's great to hear that everything went smoothly and that we maintained good communication throughout the process, James. Keeping in touch and ensuring things run seamlessly are always priorities for me. If you have any further questions or need assistance down the road, feel free to reach out.

Response from Owner

Thank you, Maria, for the 5-star rating. I appreciate your support and am here if you need anything in the future.

Kym was very resourceful, helpful, and communicated in a timely manner. I was on the West Coast, so even though there was a 3 hour gap she helped me and answered any questions I had no matter the time of day.

Response from Owner

I'm glad to hear that you found my support timely and helpful, despite the time difference. Your satisfaction is important to me, and I'm happy I could assist with your questions whenever they arose. Thank you for sharing your experience. If there's ever anything else you need, feel free to reach out.

Carlos O.View on Google

Kyle Baker was so great! She helped us out so much! We couldn’t have done it without her! Thanks Kym!

Response from Owner

I'm thrilled to hear you felt supported throughout your journey. It was my pleasure to assist you, and I'm grateful for your kind words. Knowing I could help makes it all worthwhile. If you have any more questions or find yourself needing further assistance, I'm here for you. Thank you for placing your trust in me at Ruoff Mortgage!

Elizabeth S.View on Google

Kym, was truly so helpful for us. We can not thank her enough for all answers to all the questions we had buying our first home. Buying a house is not easy but Kym made it easier!

Response from Owner

I'm truly pleased that I could assist you through the process of buying your first home. Navigating all the questions that come with it can be overwhelming, so I'm glad to hear my support was helpful. Your gratitude is genuinely appreciated, and it was my pleasure to help make things a bit easier for you. If any new questions pop up or if you need further assistance, please feel free to reach out anytime.

Response from Owner

I'm delighted to know that your experience was positive. Your trust and satisfaction are very important to me. Thank you for the kind words and for choosing Ruoff Mortgage. If you ever have more questions or need assistance, feel free to reach out.

Jillie D.View on Google

KYM BAKER IS AMAZING TO WORK WITH!

Response from Owner

Thank you for your enthusiastic feedback, Beth! I'm thrilled to hear that you had a positive experience working with me. Your satisfaction is my top priority, and I'm glad I could assist you effectively.

Response from Owner

I'm thrilled to hear that you had a positive experience with Ruoff Mortgage. It was a pleasure assisting you, and I appreciate your feedback. If you have any further questions or need assistance in the future, feel free to reach out.

Austin O.View on Google

Kym was great to work with. She communicated clearly throughout the process and responded to questions quickly.

Response from Owner

I'm thrilled to hear that you had a positive experience working with me. Clear communication and prompt responses are priorities of mine, and I'm glad they contributed to a smooth process for you. Thank you for your feedback!

Flevin Y.View on Google

Very clear and understanding. Smooth and calm process and team!

Response from Owner

I'm thrilled to hear that you found the process clear and smooth, Keven. It was a pleasure working with you, and I appreciate your kind words about our team at Ruoff Mortgage.

Response from Owner

Thank you so much, Jordan, for your kind words and the 5-star rating! I'm thrilled to hear that you had a positive experience with Ruoff Mortgage. It was a pleasure working with you, and I'm glad I could assist you in your journey. If you have any questions or need further assistance in the future, feel free to reach out. Wishing you all the best!

Jordan G.View on Google

Response from Owner

Thank you, Kevin, for taking the time to leave such a positive review. I'm thrilled to hear that you had a great experience working with me and Ruoff Mortgage. It's always my goal to provide the best service possible, and knowing that I met your expectations means a lot. If you have any more questions or need further assistance in the future, don't hesitate to reach out to Cyndi or myself. Wishing you all the best in your new home!

Kym was extremely informative and easy to work with. She made the loan process the easiest I’ve ever experienced. Her communication skills are superb and knowledgeable about every aspect of financing. My situation was more unique than normal and she still made it all work without any problems. I highly recommend to use her for any residential purchase. If everyone handled their profession the way she does, there would never be any problems.

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!

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!

Talking to Kym felt like talking to a friend who was very professional with the job.

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!

Phillip W.View on Google

Response from Owner

Hi, Ddcj413. Thank you very much for your rating! We are glad you had a pleasant experience.

ddcj413 D.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!

Jessica C.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!

brittany T.View on Google

The communication was amazing!! I originally started my home buying journey through another company but I nearly gave up a few times because they were so difficult to talk to but once we decided to switch to Ruoff, everything felt so much simpler and they made it such an easy to understand process! I could not recommend them or especially Kym enough!!

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!

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!

Brendan M.View on Google

Kindness and patience

Response from Owner

I'm truly grateful for your kind words, Clarence. Your 5-star rating has brought a big smile to my face. Kindness and patience are qualities we value at Ruoff Mortgage and it's a pleasure to hear that you had a positive experience with us. Thank you again for taking the time to leave such a wonderful review. Let me know if you need anything else in the future. - Kym Baker, Ruoff Mortgage.

Clarence W.View on Google

Kym was always available to answer our questions, even at odd hours. She handled my anxiety with grace and understanding! Very much appreciate the attention and help she was always ready to give. Already recommended her to one friend and will send her to anyone else who is entering this wild housing market. Thank you for everything.

Response from Owner

I am truly touched by your kind words, Allison. Your satisfaction is my topmost priority, and knowing that my availability and support were beneficial to you during such a crucial time is indeed gratifying. I'm glad I could assist in mitigating your anxiety and provide necessary help whenever needed. It's such an honor to know you've recommended me to a friend. I look forward to assisting anyone else you refer into this fluctuating housing market. Once again, thank you for your heartfelt review and for choosing Ruoff Mortgage. It's been a pleasure working with you. - Kym Baker

allison W.View on Google

Response from Owner

I'm absolutely thrilled to hear that you had a great experience with me at Ruoff Mortgage, Corina. Your rating of 5 stars truly means a lot to me. It was an absolute pleasure assisting you and I hope to work with you again in the future. Don't hesitate to reach out if you need any further assistance. Thank you again, Corina. - Kym Baker, Ruoff Mortgage

corina G.View on Google

Response from Owner

I'm thrilled to hear that you had a positive experience with me at Ruoff Mortgage, Rickey! Thank you for the perfect rating. I truly strive to provide the best service to my clients and your feedback validates all the hard work. Feel free to reach out if you need any more assistance in the future. Cheers, Kym Baker.

Rickey R.View on Google

Kym was fantastic! I am a first time home buyer and was anxious about the process. Kym made it very easy And personalized. I did not feel like “just another customer.” Kym was quick to respond, knowledgeable, and had a great attitude. Kym adapted communication to fit my busy work schedule as a nurse which is always appreciated. I highly recommend Kym.

Response from Owner

Hi Kyla, thank you so much for your kind words and the stellar 5-star rating! I'm thrilled to hear how satisfied you were with your home buying experience. It was my pleasure to assist you in this process, especially during such a busy time with your work. Making the process easy and personalized is always my goal. Remember, I'm just a phone call or email away for any future needs. Thanks again for the recommendation, it truly means a lot. Enjoy every moment in your new home! - Kym Baker, Ruoff Mortgage

Response from Owner

I'm greatly appreciative of the full rating, Jeremy. It's heartening to know you had a 5-star experience with us at Ruoff Mortgage. Your feedback is invaluable, and it motivates to continuously provide superior service. If you have future mortgage needs or questions, don't hesitate to reach out. Thank you once again for the positive feedback! Best, Kym Baker | NMLS# 804933 | Ruoff Mortgage NMLS# 141868.

Jeremy A.View on Google

Kym was the best. She truly showed her professionalism and kindness throughout our whole journey. Love her

Response from Owner

LaShawn, thank you so much for the glowing review and the full star rating! I'm delighted to hear that you appreciated my professionalism and kindness during your journey. It was a pleasure assisting you, and your kind words mean a lot to me. Thank you for choosing Ruoff Mortgage.

LaShawn T.View on Google

Response from Owner

I sincerely appreciate the 5-star rating, Christopher. It's always wonderful to hear that my work at Ruoff Mortgage has had a positive impact. My goal is to provide an excellent mortgage experience, and your feedback helps me continue to do that. Thank you for trusting me with your financing needs. If you have any other needs or questions in the future, feel free to reach out.

Christopher A.View on Google
Equal Housing LenderEQUAL HOUSINGLENDER
© 2026 Guaranteed Rate, Inc DBA Certainty Home Lending. All Rights Reserved. Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: www.nmlsconsumeraccess.org. Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955 This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.

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