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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?

Let's connect!

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Your next step is to complete a full application.

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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
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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.

98.60% 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.

98.60% 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.

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President's Club Member

President's club seal 2022

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

  • Being able to sign documents electronically was amazing. I was on a very busy schedule with work and that just made everything quick and easy. I also liked the fact that we were asked to take a home buyers course. We learned a lot of valuable information about the process and the future of our mortgage.

    Ryan S, happy client
  • One thing that I really loved about working with Sally Hardy was how when we moved forward with the process we were updated right away!

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

    Koti B, 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
  • Well knowledge and very kind and considerate to deal with.

    Angela H, happy client
  • Was always quick on responding and helpful. It took us a year and a half to find our dream home and anytime we needed help Sally was there to do everything she could.

    Heather B, happy client
  • I was pleasantly surprised by the online platform, how easy it was to use, and the organization of the process. Great job to your tech team!

    Erich W, happy client
  • Loan Butler is really, really slick! Good work on that interface. It kept me updated promptly and organized documents well.

    Justin M, 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
  • Communication was AWESOME

    Brandi S, 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
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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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