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Picture of Dave Chmiel
Picture of Dave Chmiel

Hi, I'm Dave!

Senior Loan Officer

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

98.57% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Dave!

Senior Loan Officer

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

98.57% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I am dedicated to helping my clients successfully navigate the home buying process. Since no two applications are alike, I like to take the time to work with the applicant to find the loan product that will best suit their needs. I especially enjoy working with first time home buyers. I love taking the time to sit down with them and go over the mortgage process and to make sure that not only are their questions answered but that they are totally comfortable with the process. This helps to take a lot of stress out of the whole home buying experience.

When I am not doing mortgages I enjoy spending time with my family. We especially enjoy traveling and I have been to some interesting places over the last several years. In the past, I have enjoyed playing softball and when time allows I like to get in a round of golf, yet, spending an evening at home with the family playing a game or watching a movie is a great reward.

I joined Ruoff Mortgage in 2013 and I have had the best experience since doing so. My philosophies of giving every client great service and to make the home buying experience as stress-free as possible are made possible by the great colleagues that I am honored to work with.

I have dedicated myself to providing the best service possible and this can’t be done just working 9-5, Monday thru Friday. I keep my lines of communication open and always respond to every message, email or text as I believe that communication is one the most important aspects of my job! And because I believe the best experience comes from a face to face meeting, I make myself available to meet with clients in the evenings and weekends.

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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'm a younger person and this was my first home purchase. Dave did a great job at explaining everything and if I didn't understand, he would put it in a simpler form. He was very warm and inviting right away. I was nervous at first, but about halfway through our first meeting, I felt like I have known him for years! He was extremely easy to talk to. Also, I could tell he enjoys his job. He was all around absolutely fantastic. I will recommend him to everyone I know!

    Seth D, happy client
  • Having Dave as our lender was great. Everything was understandable and easy during the process. We would definitely recommend and use Ruoff again and again.

    Phillip F, happy client
  • Dave was incredibly friendly and inviting and he obviously knew his stuff. As first-time home buyers, we were nervous about the process, but Dave helped make sense of things and made sure we were comfortable before moving on to each new step. We couldn't have asked to work with a better person or company.

    Taylor H, happy client
  • Dave did a great job explaining everything that was happening in great detail. When explaining the process and the next steps he gave us explanations that were easy for us to grasp.

    Cera P, happy client
  • Everything was done very efficiently and moved along at a good pace. Dave Chmiel was always very prompt in answering questions and keeping me up to date in the process. Ruoff made things very smooth!

    Eric S, happy client
  • The process was easier than I expected, Dave Chmiel was great, super helpful, and fun to work with.

    Warren D, happy client
  • Dave was very friendly and made me feel very comfortable. Sometimes it is stressful buying or refinancing a home and he kept my mind at ease through it all. I will definitely come back to him on my next home. I would recommend everyone to talk to Dave.

    Robert H, happy client
  • I was worried about what my final monthly mortgage payments would be and Dave's estimates were dead on. He explained each variable and which ones were most accurate and which ones could change. He really made the whole process easy to follow.

    Nicholas W, happy client
  • Dave was very knowledgeable, and just a great guy to work with. He explained everything well and was very quick to respond to an email or a text to his phone.

    Bradley G, happy client
  • I felt like I was their only customer which put me at ease.

    Adriane T, happy client
  • Dave kept me in the loop every step of the way. He didn't use big words or mislead me at all. He told me what he could do for me and kept to his word!

    Douglas S, happy client
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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.

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I would love to hear from you!

Call me at 260.579.6767 or message me below!

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