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Picture of Sally Burks Elmore
Picture of Sally Burks Elmore

Hi, I'm Sally!

Senior Loan Officer

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

99.11% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Sally!

Senior Loan Officer

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

99.11% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Hello, I’m Sally Burks Elmore, your dedicated Mortgage Loan Officer, with Ruoff Mortgage.  I’m not just here to assist you with your mortgage needs, I’m here to understand your dreams and help you achieve them!  But my dedication doesn’t stop at the world of mortgages; it extends to my community and the people I am privileged to know.
 

With 18 years of experience in the mortgage industry, I’ve had the privilege of guiding numerous clients and their families on their path of homeownership. I believe that a home is more than just a house; it’s a place where your faith, family, and love for animals come together.  It’s where you create beautiful music, not just with instruments but with your everyday life.

 

My approach to mortgages is simple:  It’s about you, your dreams, and the life you want to create.  I’m not just your Mortgage Loan Officer:  I’m your partner in this journey.  I offer personalized guidance and financing solutions to ensure your unique needs are met, whether you are a first-time homebuyer, a family looking to grow, someone who needs to refinance to consolidate debt or someone who wants to explore investment opportunities. 

 

But my commitment doesn’t stop there!  I’m passionate about community involvement and believe in giving back. I’m a member of Spencer Main Street Board and the Secretary, the SCIREMC Roundup Board, The Bloomington Board of Realtors and a member of their Food Drive Committee and am currently serving as one of the Directors for the Indiana Mortgage Bankers Association.  In 2024, I will serve a third time as the Chair of the South Central Indiana Mortgage Bankers Association. Additionally, I’m proud to be part of the Monroe County Chamber of Commerce Bloomington Women in Leadership Steering Committee, supporting and empowering women in our community.

 

These connections extend beyond my professional life.  I have very close personal friendships that have lasted many years.  One of those relationships is with my Best Friend of 43 years!  It’s these relationships that fuel my commitment to creating a thriving community. 

 

I have achieved professional milestones that reflect my dedication. In 2022, I was honored as a President’s Club Member with Ruoff and I maintain a 5.0 survey rating, a testament to my commitment to excellence and customer satisfaction.  Most recently, I was the Branch winner for the most closed loans in September, showcasing my dedication to helping clients reach their homeownership goals.

 

In my personal life, we recently celebrated the joyous moments of our son and daughter-in-law’s one year anniversary, witnessing their love and growth is a source of happiness for us.  I also had the privilege of marrying the love of my life in January of 2023. These milestones remind me of the importance of family and meaningful moments in life.

 

In addition to these personal milestones, I grew up in the community I lend in.  This is not just a job for me; it’s a lifelong connection. I’m not just your Mortgage Loan Officer: I’m your neighbor, your friend, and a part of this community.

 

Outside of my mortgage world, my passions drive me.  My faith is the foundation of my values and commitment to honesty and integrity in every transaction.  My husband and family provide me with the love and support that fuels my dedication to helping you.  Animals are a source of joy in my life, reminding me of the importance of care and connection. 

 

Let me not only be your Mortgage Loan Officer but also your partner in your dreams, a dedicated member of your community, and friend who understands the importance of your life’s special moments.

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President's Club Member

President's club seal 2022
President's club seal 2024

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

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    Sally was knowledgeable, efficient, communicative, and friendly. She approached us with solutions, not problems, and made our closing process one to remember!

    Hannah T.

    Indianapolis, IN, October 23rd, 2024 05:09 AM

  • Review 2

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    Sally was absolutely amazing, she answered any and all of my questions very quickly! She explained everything to me very well and was extremely polite the whole time. I would definitely work with her again!

    nataliecalvert65

    Indianapolis, IN, November 8th, 2024 01:01 PM

  • Review 3

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    Sally did everything she could and went above and beyond in order to get us into this house. Even when own down payment assistance did not go through, Sally was quickly able to find another resource for us to apply to. At closing Sally payed very close attention to what the title agent was explaining and jumped in when she felt something needed more clarification to make sure we fully understood all of the details. Sally and her assistant Jennifer were both very kind and quick to answer all of our questions by either phone or email.

    Samantha M.

    Spencer, IN, April 29th, 2025 01:20 PM

  • Review 4

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    Super easy to work with and fast. Andwered all questions without making us feel dumb, and informed us with everything as best they could.

    Riley L H.

    Bloomfield, IN, April 23rd, 2025 03:18 PM

  • Review 5

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    Sally really knocked it out of the park. No doubt about it. The whole process was completed faster than I could have expected with little to no effort on my end. I felt well taken care of. You all went to war for for me to make things happen and it's much appreciated.

    Taylor M K.

    Worthington, IN, April 23rd, 2025 01:04 PM

  • Review 6

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    Everyone we talked to through the whole process was extremely kind and always helpful.

    Jackson W H.

    Bloomfield, IN, April 21st, 2025 11:52 AM

  • Review 7

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    Loan butler is an excellent tool

    Justin M.

    Indianapolis, IN, April 12th, 2025 11:48 AM

  • Review 8

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    was amazing to work with! She gave precise and helpful information quickly and continually. She was very thorough, very knowledgeable, and so easy to communicate with!

    Amanda J K.

    Spencer, IN, March 8th, 2025 04:07 PM

  • Review 9

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    Every thing went to plan. Great experience!

    Timothy B W.

    Bloomington, IN, March 9th, 2025 03:45 PM

  • Review 10

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    Very knowledgeable and great to work with!

    Sonya Heaven L.

    Bloomington, IN, March 6th, 2025 11:03 AM

  • Review 11

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    Sally made the experience easy and was always there to answer questions and provide assistance She really made sure we were taken care of and kept us informed and guided us on what to do. We are very pleased to have worked with her

    Jeffrey M N.

    Spencer, IN, March 4th, 2025 11:05 AM

  • Review 12

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    The entire process was easy.

    Richard E C.

    LYONS, IN, March 2nd, 2025 04:06 PM

  • Review 13

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    Sally was very understanding of my situation and work around all the obstacles that came up she was so flexible to pivot when necessary

    Yvette M R.

    Mooresville, IN, February 15th, 2025 05:25 PM

  • Review 14

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    Kept me informed on everything going on and got everything done like y said

    Matthew J P.

    Linton, IN, February 16th, 2025 07:18 PM

  • Review 15

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    Sally was top notch across every hurdle we approached. She was a complete warrior!! Her faith and determination was outstanding! Even when I was getting stressed or frustrated, she was a calming and reassuring light in the thick fog. We would completely be willing to work with Sally again!!

    Shelley D S.

    Bicknell, IN, February 5th, 2025 11:22 AM

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Why should you choose Ruoff?

59

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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