
Sally Burks Elmore
Senior Loan Officer
NMLS: 1029858
The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.
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Customer Satisfaction Score.


Awards
21
Years of helping homeowners like you.
Proudly serving Alabama, Florida, Illinois, Indiana
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Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.


A Bit About Me
Hi, I’m Sally Burks Elmore, a mortgage loan officer with Ruoff Mortgage. I’ve worked in the mortgage industry since 2005, helping individuals and families find financing that fits their goals. Whether you’re buying your first home, moving to a home with more room, refinancing to consolidate debt, or exploring an investment property, I’ll guide you through your options with personal attention and clear communication. I’m proud to be a three-time President’s Club honoree and a multiple-time Branch Originator of the Month. I’d love to help you take your next step!
Awards & Achievements

Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

President's Club
3x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
My Latest Blogs
First Time Homebuyer Info
Sep 15, 2026
Do I Need 20% Down? The Complete 2026 Guide to Buying Your First Home in Bloomington and Surrounding Areas
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Waiting for a 1% lower rate could cost you $20,000-$40,000 more for the house.
Aug 3, 2026
One of the biggest mistakes homebuyers make is waiting for mortgage rates to fall before purchasing a home.
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First Time Homebuyer tips
Jun 10, 2026
The Complete 2026 Guide to Buying Your First Home
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Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*



