---
canonical_url: https://lendb.ai/lo/beth-garrett-782760
json_url: https://lendb.ai/lo/beth-garrett-782760.json
nmls_id: 782760
last_verified: 2026-10-09
---

# Beth Garrett

Senior Loan Officer at Ruoff Mortgage. NMLS ID 782760 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/782760)).

**Summary:** Beth Garrett (NMLS 782760) is Senior Loan Officer at Ruoff Mortgage. Lists Kentucky on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, First-time buyer, Low credit score, New construction and Self-employed. States 11 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 11 (source: https://www.ruoff.com/BethGarrett, verified 2026-10-09)
- Licensed in: Kentucky (KY, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/BethGarrett
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/BethGarrett
- **Low credit score** (`low-credit`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/BethGarrett
- **New construction** (`new-construction`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/BethGarrett
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/BethGarrett
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/BethGarrett

## About

Beth has 11 years of experience helping first-time homebuyers, veterans, self-employed borrowers, credit-challenged clients, and families in Indiana and Kentucky, with a focus on down payment assistance, new construction, and life transitions.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 11. Source: https://www.ruoff.com/BethGarrett, verified 2026-10-09.
- service_area: Indiana and Kentucky. Source: https://www.ruoff.com/BethGarrett, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868). Source: https://www.ruoff.com/BethGarrett, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/782760

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/BethGarrett

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/782760
- lender_site: https://www.ruoff.com/BethGarrett

Cite as: Beth Garrett (NMLS 782760), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/beth-garrett-782760, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._