Picture of

What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

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.

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

Would you like to continue to complete your full application?

No, thanks.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

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.
Picture of Samantha Bayless
Picture of Samantha Bayless

Hi, I'm Samantha!

Sales Support Manager

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

Hi, I'm Samantha!

Sales Support Manager

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

Let me help you get pre-approved today!

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.

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

  • I've been a Licensed Real Estate Appraiser for 20+ years and have been involved in many mortgage purchases over the years, it was an absolute joy working with Samantha on the purchase of my daughter's first house. Samantha took the time to answer and explain the entire process to my daughter. For that, I would like to thank Samantha for making this such a simple, efficient & professional process.

    David S, happy client
  • From my experience with Samantha, it showed that the company really cared and worked with the customer to try to help them reach their goal of becoming a homeowner.

    Nakia D, happy client
  • Samantha kept me calm and positive during an incredibly stressful process. She was sweet and kind. She helped me through everything. I would highly recommend Ruoff and Sam for the first time homebuyer.

    Jami S, happy client
  • Excellent communication every step of the way!

    Brandy W, 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 (765) 714-0927 or message me below!

Download our !