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Year started: 2005. Years of experience: 21.
Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.
Sally

Sally Burks Elmore

Senior Loan Officer

NMLS: 1029858

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio

99.16%

Customer Satisfaction Score.

Scotsman Guide AwardPresident's Club Award

Awards

21

Years of helping homeowners like you.

Proudly serving Alabama, Florida, Illinois, Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Hannah T.

Indianapolis, IN, Oct 23, 2024, 9:09 AM

5.0

Sally was knowledgeable, efficient, communicative, and friendly. She approached us with solutions, not problems, and made our closing process one to remember!

Review 2

nataliecalvert65

Indianapolis, IN, Nov 8, 2024, 6:01 PM

5.0

Sally was absolutely amazing, she answered any and all of my questions very quickly! She explained everything to me very well and was extremely polite the whole time. I would definitely work with her again!

Review 3

Lowell J C.

Bowling Green, IN, Aug 5, 2026, 4:52 PM

5.0

Everyrhing

Review 4

Ryan A M.

Solsberry, IN, Jul 31, 2026, 5:12 PM

5.0

Sally was amazing and extremely competent with her abilities, her knowledge\n And stayed in communication throughout the whole process. She made everything pleasant and seamless.

Review 5

Elizabeth S R.

Odon, IN, Jul 22, 2026, 3:23 AM

5.0

Excellent communication, knowledgeable staff

Review 6

Justin D H.

Spencer, IN, Jul 18, 2026, 7:43 PM

5.0

Sally helped us through every step and made sure the process was easy and stress free. I would highly recommend her to anyone looking for a home. By far the best home buying experience and process we have had.

Review 7

Ashley N R.

North Vernon, IN, Jul 10, 2026, 3:07 PM

5.0

Sally was quick, informative, and walked us through the process seamlessly. I have already been directing my friends and family to her due to how well she handled the process of selling and buying. She kept us alert and was quick to answer and questions or concerns we had.

Review 1

Hannah T.

Indianapolis, IN, Oct 23, 2024, 9:09 AM

5.0

Sally was knowledgeable, efficient, communicative, and friendly. She approached us with solutions, not problems, and made our closing process one to remember!

Review 2

nataliecalvert65

Indianapolis, IN, Nov 8, 2024, 6:01 PM

5.0

Sally was absolutely amazing, she answered any and all of my questions very quickly! She explained everything to me very well and was extremely polite the whole time. I would definitely work with her again!

Review 3

Lowell J C.

Bowling Green, IN, Aug 5, 2026, 4:52 PM

5.0

Everyrhing

Review 4

Ryan A M.

Solsberry, IN, Jul 31, 2026, 5:12 PM

5.0

Sally was amazing and extremely competent with her abilities, her knowledge\n And stayed in communication throughout the whole process. She made everything pleasant and seamless.

Review 5

Elizabeth S R.

Odon, IN, Jul 22, 2026, 3:23 AM

5.0

Excellent communication, knowledgeable staff

Review 6

Justin D H.

Spencer, IN, Jul 18, 2026, 7:43 PM

5.0

Sally helped us through every step and made sure the process was easy and stress free. I would highly recommend her to anyone looking for a home. By far the best home buying experience and process we have had.

Review 7

Ashley N R.

North Vernon, IN, Jul 10, 2026, 3:07 PM

5.0

Sally was quick, informative, and walked us through the process seamlessly. I have already been directing my friends and family to her due to how well she handled the process of selling and buying. She kept us alert and was quick to answer and questions or concerns we had.

Review 8

Bradley A C.

Washington, IN, Jul 5, 2026, 3:38 PM

5.0

Sally and Jen are very knowledgeable and helpful.

Review 9

Karrie A E.

Spencer, IN, Jul 3, 2026, 5:50 PM

5.0

My Ruoff Agent was knowledgeable, kind and thorough. This is not a situation I have navigated before and felt nervous about making such a big purchase, but with Sally's guidance and thorough explanation I felt more at ease and like I was making an informed decision. Thanks Sally, it means a lot that you took the time and made the effort to help us get our own home!

Review 10

Kristin Elaine P.

Bloomington, IN, Jun 25, 2026, 4:47 PM

5.0

She was persistent and helpful

Review 11

Collin G P.

Oaktown, IN, Jun 22, 2026, 10:04 PM

5.0

Everything was explained very well and any questions I had were answered.

Review 12

Randall E V.

Spencer, IN, Jun 22, 2026, 5:09 PM

5.0

This process was quick and easy. The staff was so kind and helpful. I will definitely recommend Ruoff to friends and family!

Review 13

Brenda M V.

Spencer, IN, Jun 22, 2026, 3:35 PM

5.0

Great communication, very pleasant to work with and knowledgeable

Review 14

Adam F W.

Bloomington, IN, May 26, 2026, 4:01 AM

5.0

Sally was quick to respond to emails. She also was on the lookout for getting us a good interest r*te and was very knowledgeable at knowing the right timing for that.

Review 15

Joshua N S.

Bloomington, IN, May 12, 2026, 3:07 PM

5.0

Sally was precise and available every step of the way! She was very patient with the stages we had to go through to be prepared for the next step and was very helpful on what information we needed to move forward.

Review 8

Bradley A C.

Washington, IN, Jul 5, 2026, 3:38 PM

5.0

Sally and Jen are very knowledgeable and helpful.

Review 9

Karrie A E.

Spencer, IN, Jul 3, 2026, 5:50 PM

5.0

My Ruoff Agent was knowledgeable, kind and thorough. This is not a situation I have navigated before and felt nervous about making such a big purchase, but with Sally's guidance and thorough explanation I felt more at ease and like I was making an informed decision. Thanks Sally, it means a lot that you took the time and made the effort to help us get our own home!

Review 10

Kristin Elaine P.

Bloomington, IN, Jun 25, 2026, 4:47 PM

5.0

She was persistent and helpful

Review 11

Collin G P.

Oaktown, IN, Jun 22, 2026, 10:04 PM

5.0

Everything was explained very well and any questions I had were answered.

Review 12

Randall E V.

Spencer, IN, Jun 22, 2026, 5:09 PM

5.0

This process was quick and easy. The staff was so kind and helpful. I will definitely recommend Ruoff to friends and family!

Review 13

Brenda M V.

Spencer, IN, Jun 22, 2026, 3:35 PM

5.0

Great communication, very pleasant to work with and knowledgeable

Review 14

Adam F W.

Bloomington, IN, May 26, 2026, 4:01 AM

5.0

Sally was quick to respond to emails. She also was on the lookout for getting us a good interest r*te and was very knowledgeable at knowing the right timing for that.

Review 15

Joshua N S.

Bloomington, IN, May 12, 2026, 3:07 PM

5.0

Sally was precise and available every step of the way! She was very patient with the stages we had to go through to be prepared for the next step and was very helpful on what information we needed to move forward.

HomeNow

Down Payment Assistance

Our most inclusive down payment assistance program!

This unique program offers 100% financing* for qualified FHA borrowers, plus up to 5% down payment assistance, and closing cost options!

*Restrictions apply. See website for details. The Ruoff Mortgage HomeNow™ Down Payment Assistance program is currently available in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, and Ohio. Please check with your loan officer for more information regarding state availability.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

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.

Man and Woman laughing and smiling as being handed keys to their new home.
Sally Burks Elmore

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

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

President's Club Award

President's Club

3x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

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

Proudly serving Alabama, Florida, Illinois, Indiana

My Operating Hours

Mon: 8:00 AM - 5:00 AM

Tue: 8:00 AM - 5:00 AM

Wed: 8:00 AM - 5:00 AM

Thu: 8:00 AM - 5:00 AM

Fri: 8:00 AM - 5:00 AM

Sat: 9:00 AM - 12:00 PM

Sun: Closed

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender.

Based on 2025 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS#141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.