Samantha Bayless

Hi, I'm Samantha, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership

Contact me anytime: 765.714.0927 or


I can stand on my head; it’s a hidden talent I don’t perform every day! And while my career at Ruoff may not involve acrobatics, my days move fast and require a unique perspective. My dual roles of Sales Support Manager and Senior Loan Officer put me in a dynamic position to solve problems and find solutions. The mortgage industry is always changing and it’s a great feeling when my team and I can help our clients purchase the home they want or refinance into a better loan.

I love the constant changes and I never get bored! I’ve worked in the banking industry for more than two decades and if there’s anything I’ve learned it’s that questions are valuable. I encourage borrowers to ask anything and say anything that’s on their mind before proceeding. I think that borrowers should be comfortable and understand all the loan terms before moving forward. It’s also important to work with a loan officer who welcomes challenges.

I stay educated on a wide variety of loan types so that I can present many options to my customers. And although I choose not to focus on one specific area, USDA loans do have a place in my heart. I have been involved in 4-H and farming since childhood.

I live in a rural area with my husband and son, and we help my dad farm when time allows. Working as a team makes every project so much more successful; whether I’m helping on the family farm, serving as a project superintendent for 4-H, or working with home buyers at Ruoff. Hard work and long hours don’t feel like “work” when you remember to enjoy each day.

My experience...

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Home Ready

The HomeReady Mortgage backed by Fannie Mae is built to help our low to moderate income borrowers reach the dream of homeownership.

Home Ready

Fast Approval

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