Picture of

What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

Please complete all fields.

Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
Please complete all fields.
High Contrast OFF
Get Started
Picture of Cindy Staley
Picture of Cindy Staley

Hi, I'm Cindy!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.00% Customer Satisfaction Rating

Hi, I'm Cindy!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

My career in financial services began in 1983 as an assistant in the Mortgage Department at the former Citizens National Bank in Bedford. I later worked as a Mortgage Loan Officer and Underwriter at the former Workingmen's Federal Savings Bank in Bloomington. Then I spent several years working as a Certified Financial Planner before returning to my roots in mortgage lending. My passion for financial services and counseling has continued through the years and gives me great satisfaction as I help others reach their dreams of home ownership.

I'm a lifelong resident of Lawrence County and currently a member of the South Central Chapter of the Indiana Mortgage Bankers Association, the Bedford Board of Realtors, and the Bedford Area Chamber of Commerce. Over the years, I've served on various committees and boards including the Chamber of Commerce, the Oakland City University Bedford Campus, and the Hoosier Hills Estate Planning Council.

I genuinely enjoy helping people reach their financial goals and believe that everyone deserves excellent customer service and respect. Prompt and precise communication and caring client education are at the root of my professional relationships.

Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you

  • I could not have asked for a more friendly and professional loan specialist. Cindy was always so pleasant and never tired of my endless questions. She was knowledgeable and her response time to my texts, emails, and phone calls was prompt and satisfying. Cindy and Jill went above and beyond for me and my family. I was extremely impressed with her. Upon meeting her in person for the first time at closing, I felt very welcomed by her. Her attitude is beyond stellar. She made me feel so comfortable at one of the most stress-inducing moments of my life. I will highly recommend Cindy to other home buyers in the future.

    Jennifer H, happy client
  • Cindy always has a smile on her face and makes you feel welcome. She goes the extra mile and leaves no stone unturned. Cindy made herself available to me after hours when I had questions. She also consoled me, when my 1st buyers fell through. She worked really hard to make sure I was okay on a personal level. Wow, not only did everything work out (as Cindy promised) but, I also gained a lifetime friend.

    Nicole S, happy client
  • Cindy was absolutely amazing I would recommend her to anyone and everyone, she was quick with responses and answered every question we had.

    Delaney K, happy client
  • Cindy was awesome and was always a step ahead of any potential problem.

    Stephen P, happy client
  • Cindy goes above and beyond. She really listened to our financial goals and home dreams and helped us make it happen. I honestly don’t think I could have done everything without her guidance, she helped explain things to me in a way that I could understand. This gave us confidence that we were going to have no problems.

    Amanda W, happy client
  • Response time was always immediate! Cindy was super friendly and great to work with.

    Christy F, happy client
  • The entire process was seamless. Regular updates about the process and quick responses when I had a question.

    Emily B, happy client
  • Cindy was amazing at explaining everything to the smallest detail when asked to do so. She was very thorough and helped relieve my anxiety along the way! The e-signing option made everything quick and easy!

    Gregory B, happy client
  • Cindy was on top of everything and gave me a heads up when needed. She is very smart in her field and y'all are very lucky to have her as am I. Thank you all for making our dreams come true.

    Michael B, happy client
  • Overall everything went very smoothly. Cindy was very attentive and answered emails even on weekends and evenings. This is my second time working with Cindy, and I followed her over from another mortgage company. Cindy made me feel appreciated as a customer as I would not have expected, and I'll be sure to come back to her if the need arises.

    Matt L, happy client
  • Communication was very good between me and the staff that handled my loan, questions, and everything else. Cindy worked with me from a too-low-to-qualify score, to get a higher score than I needed to qualify for several types of loans. I got great advice from the staff at Ruoff about credit, home buying, closing, and other things related to this process. They treated me like I was any other responsible adult, and not just a struggling young adult with bad credit.

    Kelsey F, happy client
  • Amazing job Cindy! She was very helpful and went above and beyond to help me through the entire process!

    Cassey F, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

Stay connected.

I would love to hear from you!

Call me at (812) 583-6031 or message me below!

Download our !