Picture of

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%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

Please complete all fields.

Your next step is to complete a full application.

Thank you for
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
Please complete all fields.
High Contrast:
Get Started
Picture of Sandy Berkebile
Picture of Sandy Berkebile

Hi, I'm Sandy!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Hi, I'm Sandy!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

I have over 25 years in the mortgage industry, with 19 of those years as a Loan Officer. My favorite part about originating loans is helping my customers get into their first homes and their dream homes. I love working for Ruoff because of all the people I get to work with, including the excellent support staff at our corporate office in Fort Wayne.

When I'm not working on mortgages, I work at a lot of IU Football, Basketball and Baseball events. I've got 6 kids and love to spend time with my 3 grandkids. Besides IU Sports, my favorite part about living in Bloomington is all the diversity that it has to offer.

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

  • Sandy was by far the best to deal with during this whole homebuying experience. She was very professional and very personable. She truly treated me like family and I would recommend her to anyone and everyone.

    Miranda H, happy client
  • Everyone well dealt with was always helpful and friendly

    Donald B, happy client
  • By hiring Sandy Berkebile! She’s great and very knowledgeable and patient. My wife and I even hope to continue our relationship with Sandy way into the future.

    Jerry c S, happy client
  • You made me want to work with you even past closing.

    Yamaris C, happy client
  • Communication was phenomenal. I liked having update emails throughout the process, and Sandy was available for any questions we had along the way!

    Ashland Z, happy client
  • Sandy is excellent at communicating with her clients!

    Tara B, happy client
  • We were looking at being homeless due to a deal that fell through. Sandy brought us from offer to clear to close so fast!

    Louis M, happy client
  • I have never experienced this type of professionalism when purchasing a home. Sandy was available to me any time I had a question even when she was home with family. She was awesome in representing this firm.

    Melanie A, happy client
  • With Sandy the whole process went very smoothly

    Clara P, happy client
  • I was always told exactly what I needed to provide, and was always informed of the loan progress. It was a very fast process.

    James M, happy client
  • The entire process was smooth and efficient! It was a pleasure to work with Sandy! She is very knowledgeable and quick to respond. Her friendly personality and positive attitude is a great asset!

    Paula W, happy client
See More

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.

Stay connected.

I would love to hear from you!

Call me at 812.322.8651 or message me below!

Download our !