Fred Ruff
Executive Vice President
Fort Morgan CO 80701
Fred Ruff has been in banking with FMS Bank for over 35 years and enjoys working with clients in Morgan County and Northeast Colorado. Fred looks forward to visiting with you about which mortgage product best fits your situation. He will help you during the prequalification process through loan closing to get your dream home purchased or refinanced. FMS Bank offers a variety of mortgage products for borrowers to choose.
FMS is a locally owned community bank with offices in Fort Morgan, Greeley, and Fort Collins Colorado. Our Mortgage Loan Officers live and work in these communities. FMS Bank offers a variety of mortgage loan products to choose from including Conventional Fixed Rate, Adjustable Rate, FHA, USDA, VA, and Reverse mortgages.
FMS Bank Benefits
Still want to have personal assistance?
You can call or e-mail one of our mortgage professionals to answer any of your questions or to ask for advice.
Ready to close on your mortgage quickly?
We can get your mortgage approved in minutes, rather than days or weeks!
Free Pre-qualifications
We offer free pre-qualifications, so you can shop for your home knowing that you can afford the mortgage.
Confused about which program to choose?
We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Loan Officer is always just a call or e-mail away!
