Ruoff Mortgage Logo
Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Sally Smith

Loan Officer

NMLS: 1151295 | GA: 1151295 | KY: MC829601 | OH: MLO.056815.000

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio
Sally

94.13%

Customer Satisfaction Score.

Scotsman Guide Award

Awards

Proudly serving Florida, Georgia, Indiana, Kentucky, Michigan, Ohio, Tennessee

Meet our happy homeowners***

View All Testimonials

Review 1

Hannah Marie W.

West Terre Haute, IN, Jun 24, 2026, 8:23 PM

5.0

Excellent and thank you for everything!!

Review 2

Willie James W.

Westland, MI, Apr 23, 2026, 3:30 PM

5.0

Sally was great to work with, I appreciate all of her work

Review 3

Austin W.

New Castle, IN, Sep 8, 2025, 3:15 PM

5.0

Sally was ever professional, timely, and polite. I am so thankful to have worked through this process with her. She advocated for us when needed and always ensured that things were done in a way that moved things forward.

Review 4

Tabatha P. D.

Constantine, MI, Apr 15, 2025, 2:40 PM

5.0

Great communication

Review 5

Ciara B. B.

Tecumseh, MI, Mar 18, 2025, 11:30 PM

5.0

Sally was amazing!! She helped every step of the way!!

Review 6

Jack S.

Fishers, IN, Feb 23, 2025, 9:45 PM

5.0

My loan officer was extremely knowledgeable and went above and beyond to answer all my questions

Review 1

Hannah Marie W.

West Terre Haute, IN, Jun 24, 2026, 8:23 PM

5.0

Excellent and thank you for everything!!

Review 2

Willie James W.

Westland, MI, Apr 23, 2026, 3:30 PM

5.0

Sally was great to work with, I appreciate all of her work

Review 3

Austin W.

New Castle, IN, Sep 8, 2025, 3:15 PM

5.0

Sally was ever professional, timely, and polite. I am so thankful to have worked through this process with her. She advocated for us when needed and always ensured that things were done in a way that moved things forward.

Review 4

Tabatha P. D.

Constantine, MI, Apr 15, 2025, 2:40 PM

5.0

Great communication

Review 5

Ciara B. B.

Tecumseh, MI, Mar 18, 2025, 11:30 PM

5.0

Sally was amazing!! She helped every step of the way!!

Review 6

Jack S.

Fishers, IN, Feb 23, 2025, 9:45 PM

5.0

My loan officer was extremely knowledgeable and went above and beyond to answer all my questions

Review 7

Emily K.

Olivet, MI, Feb 10, 2025, 4:11 PM

5.0

Dearest Sally Smith & Nella Butchbaker provided us with a 10/10 experience and guided our family every step of the way. Thank you ladies! You are the very best!

Review 8

Quandra P.

FORT WAYNE, IN, Oct 28, 2024, 3:06 PM

5.0

Sally is Awesome!

Review 9

Jennifer Lynn C.

Pinckney, MI, Oct 3, 2024, 3:06 PM

5.0

Sally Smith deserves a shout out! She went above and beyond in communicating with us and keeping us up to speed on what was going on and what was needed. I truly appreciate how much she cared about getting our closing done on time. I will highly recommend her to my friends and family.

Review 10

Jennifer W.

Center Point, IN, Jul 7, 2024, 11:52 PM

5.0

The ruoff team members went above and beyond to get me in the home of my dreams. Sally Smith and Sally Burke-Elmore knew their stuff and worked together to explore all options available to get me where I wanted to be. They both really made me feel very important and very comfortable throughout the entire experience!! I couldn’t be happier!!

Review 11

Chenel E.

Hymera, IN, Jun 15, 2024, 12:55 PM

5.0

Sally came across as personal and caring while maintaining being professional. I do believe love should be before rules. Rules are honored but love can still be felt even with so many rules. That is meaningful to me.

Review 12

Monte S.

Parker City, IN, May 24, 2024, 4:36 PM

5.0

Everyone was happy to help and answer any questions

Review 13

Christopher R. F.

Burr Oak, MI, Apr 30, 2024, 3:14 PM

5.0

Made everything so simple, answered all and every question best of their ability!

Review 7

Emily K.

Olivet, MI, Feb 10, 2025, 4:11 PM

5.0

Dearest Sally Smith & Nella Butchbaker provided us with a 10/10 experience and guided our family every step of the way. Thank you ladies! You are the very best!

Review 8

Quandra P.

FORT WAYNE, IN, Oct 28, 2024, 3:06 PM

5.0

Sally is Awesome!

Review 9

Jennifer Lynn C.

Pinckney, MI, Oct 3, 2024, 3:06 PM

5.0

Sally Smith deserves a shout out! She went above and beyond in communicating with us and keeping us up to speed on what was going on and what was needed. I truly appreciate how much she cared about getting our closing done on time. I will highly recommend her to my friends and family.

Review 10

Jennifer W.

Center Point, IN, Jul 7, 2024, 11:52 PM

5.0

The ruoff team members went above and beyond to get me in the home of my dreams. Sally Smith and Sally Burke-Elmore knew their stuff and worked together to explore all options available to get me where I wanted to be. They both really made me feel very important and very comfortable throughout the entire experience!! I couldn’t be happier!!

Review 11

Chenel E.

Hymera, IN, Jun 15, 2024, 12:55 PM

5.0

Sally came across as personal and caring while maintaining being professional. I do believe love should be before rules. Rules are honored but love can still be felt even with so many rules. That is meaningful to me.

Review 12

Monte S.

Parker City, IN, May 24, 2024, 4:36 PM

5.0

Everyone was happy to help and answer any questions

Review 13

Christopher R. F.

Burr Oak, MI, Apr 30, 2024, 3:14 PM

5.0

Made everything so simple, answered all and every question best of their ability!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now
Sally Smith

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way. As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

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

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Florida, Georgia, Indiana, Kentucky, Michigan, Ohio, Tennessee

Sally Smith

Loan Officer

NMLS: 1151295

GA: 1151295

KY: MC829601

OH: MLO.056815.000

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.