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What is your goal?


When are you
looking to buy?

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Where are you
looking to buy?

$150 - 175k
18 - 21%
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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Contact Us


385 E. Morgan St
, Spencer, IN 47460
Telephone: 812.714.8173
| Fax: 260.999.6201

The Spencer branch of Ruoff Mortgage serves the Spencer, Indiana and Owen County area. This beautiful town in the heart of the Midwest, has a growing art and music scene, beautiful scenery, and strong community roots. Visit the unique wineries and shops, hike the trails at McCormick's Creek State Park, kayak the White River, pick up a round of golf, or take a short drive to catch some IU action! The Spencer branch is looking forward to serving your mortgage needs with all types of loan programs to help you construct, refinance, renovate, or purchase a home!

Meet the Spencer team!

100.00% Customer Satisfaction Rating
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Sally Hardy

Senior Loan Officer NMLS: 1029858

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