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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

Please complete all fields.

Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Get Started Picture of Sally Hardy
Picture of Sally Hardy

Hi, I'm Sally!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Hi, I'm Sally!

Senior Loan Officer

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

100.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

I joined the Ruoff team last summer, but have over 13 years of loan originating experience. I work out of our Spencer location, and have always felt at home in both the Bloomington and Spencer communities. I live in Spencer with my 2 dogs and many cats, and have a 19-year-old son who is in his second year of college. I enjoy driving on the Monroe Lake Causeway on bright summer days to watch the sunlight dance on the water, and love spending time in downtown Spencer. When I'm not originating loans, I love to bake, listen to music, watch old movies, go to festivals and visit Florida.

My favorite part of working at Ruoff? The teamwork! I also love being a Loan Officer because I get to help my clients reach their dream of buying a home.

Get Started

What is your goal?

Buy a Home

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


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

  • Sally and Ryan were both wonderful!! Sally is very knowledgeable and very friendly. She was always able to answer my questions and calm my nerves whenever I was anxious. I will highly recommend Sally and Ruoff to others.

    Debra P, happy client
  • Sally was the friendliest person I have ever had the pleasure to speak with. She was kind and genuinely cared about me and my family.

    Nicole S, happy client
  • Everything went well and as planned. Sally Hardy is a top-notch Ruoff employee. I would work with her again

    Douglas R, happy client
  • She was good at communicating with us often and working with us to get the best loan possible.

    Frank D, happy client
  • Everything went absolutely perfect! We are so happy we went with Ruoff!

    Dakota H, happy client

Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

Stay connected.

I would love to hear from you!

Call me at (812) 327-8547 or message me below!

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