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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%
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Are you working with a loan officer?

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Your next step is to complete a full application.

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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Sally Hardy
Picture of Sally Hardy

Hi, I'm Sally!

Senior Loan Officer

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

99.40% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Hi, I'm Sally!

Senior Loan Officer

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

99.40% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Let me help you get pre-approved today!

I joined the Ruoff team last summer, but have over 13 years of loan originating experience. I work out of our Spencer location, and have always felt at home in both the Bloomington and Spencer communities. I live in Spencer with my 2 dogs and many cats, and have a 19-year-old son who is in his second year of college. I enjoy driving on the Monroe Lake Causeway on bright summer days to watch the sunlight dance on the water, and love spending time in downtown Spencer. When I'm not originating loans, I love to bake, listen to music, watch old movies, go to festivals and visit Florida.

My favorite part of working at Ruoff? The teamwork! I also love being a Loan Officer because I get to help my clients reach their dream of buying a home.

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

  • Aside from the issues we had with communication with the realtor and the title company nothing could have been done better. Sally was the best, and I don't say that lightly. She understood that I worked nights and worked around both of our schedules to keep me up to date on everything and communicate with me through email and calls. She did everything under the sun and more. I cannot praise her enough. The lack of communication was definitely not on her part it was on the realtor and the title company. She was on it! Hands down. She deserves the praise on this!

    Samantha E, happy client
  • Everything was organized and ready to close . If we would have received all the house keys and the garage door opener at closing , it would have been perfect !

    Oscar K, happy client
  • Sally and her transaction coordinator, Jenn, always spoke to us with respect and professionalism. Any question we posed was thoroughly explained with intelligence and integrity. We very much recommend this Ruoff team!

    Dianna H, happy client
  • Sally Hardy was very personable and responsive.

    Rebecca R, happy client
  • I was amazed at how quickly the whole loan process went.

    Nora M, happy client
  • All went well.

    Nicholas B, happy client
  • I think the flexibility of in-person and online communications made this transaction efficient and effective in the process. Sally went above and beyond to keep us on track from start to finish.

    Katherine M, happy client
  • Sally was amazing with the entire process and the sweetest person ever!

    Koti B, happy client
  • I'm not one to say any process is perfect, but our refinance was as close to it as possible. Everything went so quickly, our lender (Sally Hardy) was very commutative and competent when it came to looking at our somewhat unique situation. Ultimately, Ruoff was able to offer us a rate nobody else could, and that combined with the amazing customer service made our choice a no-brainer.

    Terri K, happy client
  • Well knowledge and very kind and considerate to deal with.

    Angela H, happy client
  • Sally Hardy was amazing to work with. She is extremely knowledgeable and answered my questions quickly. She guided me through what I would be able to qualify for based on different factors. Once I found a home and applied for the mortgage, she kept me well informed of the steps in the process. I am so grateful for Sally. She made my dream of owning a home a reality.

    William N, happy client
  • This is my third home purchase. My second mortgage experience was horrible. So I was very apprehensive going into the process. The application process and paperwork were smooth and easy. No surprises. Actually, was really shocked about how easy it all was.

    William D, 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 812.327.8547 or message me below!

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