Dave Chmiel

Hi. I’m Dave, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership.

Available after hours & weekends: call 260.579.6767 or davec@ruoff.com

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Hello.

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.

My experience...

I joined Ruoff Home 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.

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Client Testimonials

Fast Approval

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