When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Samantha Bayless | Mortgage Loan Officer

Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Samantha Bayless

Sales Support Manager | Senior Loan Officer

NMLS: 460970

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

Apply Now Call Samantha

100%

Customer Satisfaction Score.

Awards

Proudly serving Illinois, Indiana

Meet our happy homeowners***

View All Testimonials

Jeremy N J.

Crawfordsville, IN, May 29, 2026, 3:45 PM

It was a quick and easy process. Samantha took care of everything and kept us updated always.

Brock G.

Veedersburg, IN, May 23, 2026, 5:28 PM

never had an issue , supwr super wuick to get in touvh touch and keep us , up with our steps to close

Brandon G.

Veedersburg, IN, Apr 16, 2026, 4:00 PM

Every aspect of this process has been pleasant and helpfu.

Craig S J.

Linden, IN, Apr 1, 2026, 11:42 PM

Knowledgeable, friendly, excellent service!

Steven R S.

Crawfordsville, IN, Mar 3, 2026, 8:44 PM

Samantha went the extra mile to ensure my refinance was done before my deadline She was excellent Thank you so much

Jeremy N J.

Crawfordsville, IN, May 29, 2026, 3:45 PM

It was a quick and easy process. Samantha took care of everything and kept us updated always.

Brock G.

Veedersburg, IN, May 23, 2026, 5:28 PM

never had an issue , supwr super wuick to get in touvh touch and keep us , up with our steps to close

Brandon G.

Veedersburg, IN, Apr 16, 2026, 4:00 PM

Every aspect of this process has been pleasant and helpfu.

Craig S J.

Linden, IN, Apr 1, 2026, 11:42 PM

Knowledgeable, friendly, excellent service!

Steven R S.

Crawfordsville, IN, Mar 3, 2026, 8:44 PM

Samantha went the extra mile to ensure my refinance was done before my deadline She was excellent Thank you so much

Jennifer N. C.

Crawfordsville, IN, Sep 20, 2025, 12:26 AM

Quick, efficient, what you said was going to happen, did happen. No surprises

Kristian S.

Veedersburg, IN, Jul 23, 2025, 12:09 AM

Communication was outstanding!!!

Noah Norman Dale G.

Newtown, IN, Jul 6, 2025, 9:39 PM

Samantha is super friendly and understood everything going on with my previous lender and when I switched to ruoff she was very helpful and very quick with the loan and always kepted us updated with everything

Trevor E.

Cayuga, IN, Nov 30, 2024, 8:18 PM

Great to work with

Heather W.

Ladoga, IN, Mar 22, 2024, 3:03 PM

..............

Jennifer N. C.

Crawfordsville, IN, Sep 20, 2025, 12:26 AM

Quick, efficient, what you said was going to happen, did happen. No surprises

Kristian S.

Veedersburg, IN, Jul 23, 2025, 12:09 AM

Communication was outstanding!!!

Noah Norman Dale G.

Newtown, IN, Jul 6, 2025, 9:39 PM

Trevor E.

Cayuga, IN, Nov 30, 2024, 8:18 PM

Great to work with

Heather W.

Ladoga, IN, Mar 22, 2024, 3:03 PM

..............

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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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.