
Chelsea Lentes
Senior Loan Officer
NMLS: 1481193
Ready to help make your homeownership dreams come true through advocacy, guidance, and education.
Read full bio99.06%
Customer Satisfaction Score.


Awards
10
Years of helping homeowners like you.
Proudly serving Illinois, Indiana
Meet our happy homeowners***
View All TestimonialsA Bit About Me
Hi, I'm Chelsea Lentes, a Senior Loan Officer with Ruoff Mortgage helping homebuyers throughout Terre Haute, the Wabash Valley, Indiana and Illinois.
With nearly 11 years in the mortgage industry, I bring experience from both the lending and processing sides of the business. I specialize in helping first-time and repeat homebuyers with Conventional, FHA, VA and USDA loans, down payment assistance, manufactured home financing and refinancing.
My approach is education first, honest numbers and clear communication. You don't need to know everything about mortgages before you call me—that's quite literally my job. Whether you're ready to buy or just figuring out where to start, I'm happy to meet you there.
I’m always planning something ?? Whether it’s a Realtor event, client giveaway, golf outing or completely unnecessary themed idea, I’m usually already thinking about how to make the next thing a littl

Community > everything ?? I love being involved locally—from community events and golf outings to supporting local businesses, Realtors and organizations throughout the Wabash Valley.

Agriculture runs deep ?? I come from a fifth-generation farming family, so tractors, fields and harvest season have always been a normal part of life.

Mortgage nerd before it was cool ?? I spent years behind the scenes in processing before becoming a Loan Officer, so I genuinely enjoy figuring out the puzzle of a mortgage file.

Mom life is my other full-time job ?? When I'm not talking mortgages, I'm usually with my husband, Tom, and our two kids, Emma and Tommy.

I believe everything needs a little humor ?? Mortgages can be stressful enough. I'm a firm believer that we can explain the serious stuff without acting serious 100% of the time.

Awards & Achievements

Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award
Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.
My Latest Blogs
Mortgage Preapproval in Terre Haute: What Buyers Should Know Before House Hunting
Sep 8, 2026
You've been casually scrolling Zillow for six months.
Read More
FHA vs. Conventional vs. USDA vs. VA Loans in Indiana: Which Mortgage Is Best?
Sep 1, 2026
One of the first questions homebuyers ask me is:
Read More
What Credit Score Do You Need to Buy a House in Indiana in 2026?
Aug 25, 2026
If you've Googled “What credit score do I need to buy a house?” you've probably seen approximately 47 different answers.
Read More

Calculate Based on Your Individual Needs
Loans Designed to Meet Your Individual Needs
Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.


Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*



