Picture of

What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
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?

$75 - 100k
$150 - 175k
Please complete all fields.
High Contrast:
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.

99.80% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Hi, I'm Sally!

Senior Loan Officer

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

99.80% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

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

  • Aside from the issues we had with communication with the realtor and the title company nothing could have been done better. Sally was the best, and I don't say that lightly. She understood that I worked nights and worked around both of our schedules to keep me up to date on everything and communicate with me through email and calls. She did everything under the sun and more. I cannot praise her enough. The lack of communication was definitely not on her part it was on the realtor and the title company. She was on it! Hands down. She deserves the praise on this!

    Samantha E, happy client
  • Sally Hardy was amazing to work with. She is extremely knowledgeable and answered my questions quickly. She guided me through what I would be able to qualify for based on different factors. Once I found a home and applied for the mortgage, she kept me well informed of the steps in the process. I am so grateful for Sally. She made my dream of owning a home a reality.

    William N, happy client
  • Sally was quite knowledgeable and friendly. She helped us all along the way. We really appreciated that.

    Kathryn S, happy client
  • I hesitated in the beginning because I didn’t know what all it was going to entail but feel like the process was so easy. I love that Sally was not only a tremendous help but so was the fact that I could send pictures of documents and she was able to upload it.

    Lauren C, happy client
  • Sally was great to work with. She kept us up to date with text and emails. Very honest and friendly. She made this a quick and seamless process.

    Crystal H, happy client
  • I think the flexibility of in-person and online communications made this transaction efficient and effective in the process. Sally went above and beyond to keep us on track from start to finish.

    Katherine M, happy client
  • Communication was very easy and made the loan application process much less stressful than it could have been!

    Brooks G, happy client
  • I'm not one to say any process is perfect, but our refinance was as close to it as possible. Everything went so quickly, our lender (Sally Hardy) was very commutative and competent when it came to looking at our somewhat unique situation. Ultimately, Ruoff was able to offer us a rate nobody else could, and that combined with the amazing customer service made our choice a no-brainer.

    Terri K, happy client
  • This is my third home purchase. My second mortgage experience was horrible. So I was very apprehensive going into the process. The application process and paperwork were smooth and easy. No surprises. Actually, was really shocked about how easy it all was.

    William D, happy client
  • We were not sure what things were going to be like going in we felt clueless, even though we took home buyers classes, and did hours of research.. well all of our fears were quelled with Ruoff it was simple, easy, and our team of experts really did a wonderful job explaining, and working hard on everything! Thanks so much to our team, and everyone involved for this awesome experience, getting us our home!

    Connie M, happy client
  • Sally was a pleasure to work with. She went above and beyond. She responded to emails and questions immediately.

    Brittany C, happy client
  • True customer care! Total clarity, communication, and precision instructions were pivotal to me. I never once had to chase a concern or become frustrated at the next steps, the professional that Sally Hardy is was a huge component of my 100% satisfaction with Ruoff. Well done!

    Connie M, happy client
See More

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!

Download our !