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Picture of Dave Chmiel
Picture of Dave Chmiel

Hi, I'm Dave!

Senior Loan Officer

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

93.71% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Dave!

Senior Loan Officer

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

93.71% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I am dedicated to helping my clients successfully navigate the home buying process. Since no two applications are alike, I like to take the time to work with the applicant to find the loan product that will best suit their needs. I especially enjoy working with first time home buyers. I love taking the time to sit down with them and go over the mortgage process and to make sure that not only are their questions answered but that they are totally comfortable with the process. This helps to take a lot of stress out of the whole home buying experience.

When I am not doing mortgages I enjoy spending time with my family. We especially enjoy traveling and I have been to some interesting places over the last several years. In the past, I have enjoyed playing softball and when time allows I like to get in a round of golf, yet, spending an evening at home with the family playing a game or watching a movie is a great reward.

I joined Ruoff Mortgage in 2013 and I have had the best experience since doing so. My philosophies of giving every client great service and to make the home buying experience as stress-free as possible are made possible by the great colleagues that I am honored to work with.

I have dedicated myself to providing the best service possible and this can’t be done just working 9-5, Monday thru Friday. I keep my lines of communication open and always respond to every message, email or text as I believe that communication is one the most important aspects of my job! And because I believe the best experience comes from a face to face meeting, I make myself available to meet with clients in the evenings and weekends.

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What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

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

  • Review 1

    Source of Rating Icon

    Dave and Pam made an excellent and responsive team! They were so informative especially when my spouse and I didn't know the process as well since we don't always move houses all the time. So glad we went with those two individuals just based off of how hard they worked for us.

    Benjamin C T.

    Churubusco, IN, July 3rd, 2025 11:37 AM

  • Review 2

    Source of Rating Icon

    I had an outstanding experience working with Dave Chmiel and Pam Zent. They were professional, knowledgeable, and incredibly responsive throughout the entire loan process. They took the time to explain every step clearly, answered all my questions with patience, and made sure I felt confident and informed. Their attention to detail and dedication ensured a smooth, stress-free closing. It’s rare to find someone who combines expertise with such genuine care for clients. I highly recommend Dave to anyone looking for a reliable and trustworthy loan officer—you’ll be in excellent hands from start to finish. Thank you for everything!

    Samantha M T.

    Churubusco, IN, June 30th, 2025 11:18 AM

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Why should you choose Ruoff?

61

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

41

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2024 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://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

** 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://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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