I’m Dan Smith, a Senior Mortgage Loan Officer serving Bloomington, Indiana and all of Monroe County. After more than 15 years helping families make confident financial decisions in the automotive industry, I’ve transitioned my customer-first approach into residential mortgage lending with Ruoff Mortgage.

As a longtime member of the Bloomington community, I understand our local housing market, neighborhood trends, and the financial considerations unique to buyers and homeowners in South Central Indiana. Whether you’re purchasing your first home, upgrading, refinancing, or investing in property, my role is to simplify the mortgage process and provide clear, honest guidance every step of the way.

My background in high-level sales and finance has shaped how I approach lending. I believe in:
• Clear communication
• Fast, organized execution
• Transparent numbers
• No surprises at closing

I specialize in conventional loans, FHA loans, VA loans, USDA loans, jumbo financing, and refinance strategies tailored to the Monroe County real estate market. My goal is not just to get loans approved — it’s to structure financing that supports long-term financial stability.

Bloomington is home. I’ve built my career here, raised my family here, and developed strong relationships throughout the community. That local presence matters when choosing a mortgage professional. You’re not working with a call center or an out-of-state lender — you’re working with someone invested in this community.

If you’re searching for a trusted Mortgage Loan Officer in Bloomington, IN, I would be honored to help you navigate your home financing options with clarity and confidence.

Let’s build a smart plan for your next move.