Chelsea Lentes
Senior Loan Officer
NMLS: 1481193
Ready to help make your homeownership dreams come true through advocacy, guidance, and education.
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99.06%
Customer Satisfaction Score.


Awards
10
Years of helping homeowners like you.
Proudly serving Illinois, Indiana
Meet our happy homeowners***
View All TestimonialsA Bit About Me
Hi, I'm Chelsea Lentes, a Senior Loan Officer with Ruoff Mortgage helping homebuyers throughout Terre Haute, the Wabash Valley, Indiana and Illinois.
With nearly 11 years in the mortgage industry, I bring experience from both the lending and processing sides of the business. I specialize in helping first-time and repeat homebuyers with Conventional, FHA, VA and USDA loans, down payment assistance, manufactured home financing and refinancing.
My approach is education first, honest numbers and clear communication. You don't need to know everything about mortgages before you call me—that's quite literally my job. Whether you're ready to buy or just figuring out where to start, I'm happy to meet you there.
My happy place involves sunshine and water. Pool days, beach days—I’m not picky as long as it’s warm.

Mortgage lending has been my world for 10+ years. I spent years behind the scenes in processing before becoming a Loan Officer, so I know the mortgage process from more than one angle.

I’m a reader when life allows it. Give me a good book, a quiet spot, and a cup of coffee and I’m perfectly content.

I come from a fifth-generation farming family. My roots run deep in West Central Indiana, and growing up around farming definitely taught me the value of hard work.

You’ll probably find me on a ball field, golf course, or at a community event when I’m not doing mortgages. I coach youth softball and love supporting local organizations,.

I’m a mom of two! Emma keeps me busy with school, sports, and all things creative, while Tommy is happiest anywhere there’s a tractor or piece of farm equipment nearby.

Awards & Achievements

Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award
Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.
My Latest Blogs
Mortgage Rates October 2026: Current Rates & 2027 Predictions
Oct 14, 2026
If you've been watching mortgage rates lately, you've probably experienced a little bit of whiplash. One week, there's talk about rates coming down. The next, they're climbing again. And somewhere in between, everyone seems to have an opinion about whether you should buy a home now or wait until next year. As a mortgage lender here in Terre Haute, Indiana, one of the most common questions I hear is, "Chelsea, do you think rates are going to come down?"
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You're Pre-Approved for a Mortgage. Now What? A Terre Haute Homebuyer's Guide
Oct 7, 2026
You did it.
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Halloween in Terre Haute: Things to Do Around the Wabash Valley in October 2026
Oct 6, 2026
If there is one thing Terre Haute does well, it is finding an excuse to turn a holiday into approximately 47 different community events.
Read More

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