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With over 28 years in the mortgage and real estate industry, I’ve had the privilege of helping families—both new and longtime residents—turn houses into homes in our community. I’m passionate about building lasting relationships and being a trusted guide through one of life’s biggest decisions. My approach is rooted in education and communication. I take time to walk my clients and real estate agent partners through their options so they can make confident decisions. To me, it’s never just a transaction—it’s about relationships that last a lifetime. I strive to create a smooth, well-guided experience from start to finish—because your experience matters.
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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.
Get your house on the market, and look for your next home!
Communication and the ease of signing documents on your portal
Robert B H.Middlebury, IN, January 19th, 2026 11:05 AM
Clear communication, helpful guidance, friendly service all around.
Shaye A T.Elkhart, IN, December 30th, 2025 03:09 PM
Samantha went above and beyond in all aspects of our purchase
Jacob C.Elkhart, IN, December 23rd, 2025 12:48 PM
Customer service, period!
Brian G B.Bristol, IN, December 17th, 2025 12:16 PM
Samantha was an absolute pleasure to work with!
Stevenson C L.South Bend, IN, November 4th, 2025 01:23 PM
This was my first time buying a house and Samantha did a great job of answering any questions that I had and explaining anything I didn't understand. If i was to buy another property I would definitely be contacting Samantha again.
Sergey S.Goshen, IN, October 22nd, 2025 12:47 PM
The transparency was top notch. No surprises. I love the checklist on the loan butler too!
Terin R S.Knox, IN, October 13th, 2025 11:03 AM
Samantha was very Helpfull and knowledgeable walked us through our process with ease.
John D S.Knox, IN, October 8th, 2025 12:16 PM
the whole experience was great
Leann G.Middlebury, IN, September 19th, 2025 11:07 AM
Samantha and Angie were amazing! I will reccomend you all to anyone who asks. You made what can be a very scary and stressful process easy and I felt very well taken care of and safe with your team! THANKS!
Triniti G.Elkhart, IN, September 9th, 2025 11:49 AM
This was easily the smoothest mortgage process I have ever been through. Sam was great.
Jack T K.South Bend, IN, August 22nd, 2025 02:08 PM
She was very informative and was able to answer all my questions. Whenever I reached out she was quick to respond.
Joe A R.South Bend, IN, August 6th, 2025 11:11 AM
Great to work with.
Cory A R.Laporte, IN, August 5th, 2025 11:03 AM
Branches throughout
the US.
Customer Satisfaction Score.*
Days or less average
clear-to-close.**
Years of helping
homeowners like you.
Milestones updating you throughout the process.
Minutes at the closing
table on average.
*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:
**
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.
Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit:
http:
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.