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With over 28 years in the mortgage and real estate industry, I’ve had the privilege of helping families—both new and longtime residents—turn houses into homes in our community. I’m passionate about building lasting relationships and being a trusted guide through one of life’s biggest decisions. My approach is rooted in education and communication. I take time to walk my clients and real estate agent partners through their options so they can make confident decisions. To me, it’s never just a transaction—it’s about relationships that last a lifetime. I strive to create a smooth, well-guided experience from start to finish—because your experience matters.
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From finding your perfect home to moving in, we've got you covered.
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Samantha has always been really pleasant and great to work with! She explains things well!
Emily D N.Goshen, IN, June 3rd, 2023 07:41 PM
All my questions and feedback was answered timely and made my experience great, i highly recommend working with samantha. She was fantastic during the whole process!
Brendan E P.Elkhart, IN, June 16th, 2023 12:47 AM
As first time homebuyers, we were glad that Samantha was so open to answering our questions and being attentive to our concerns. Thank you Samantha!
Andrew T H.Goshen, IN, July 2nd, 2023 01:01 PM
Samantha Conrad was extremely knowledgeable and always made us feel confident in our decision making. She kept us informed thru the entire process.
Michael W.February 12th, 2023 05:00 PM
Kept us posted on each step, always quick to answer our questions and very pleasant to work with Sam
Bobby F.May 12th, 2023 04:06 AM
She answered all my questions so that I could understand them
Jennie L M.OSCEOLA, IN, July 14th, 2023 01:59 PM
It was always easy to reach someone when we had a question whether it was during the week or on the weekend. Samantha did an excellent job talking us through numbers and what to expect regarding mortgage payments.
Brianne L W.Osceola, IN, July 19th, 2023 12:29 PM
Samantha is incredibly knowledgeable and efficient. I'm so glad we had her in our corner to navigate the process. She helped us make plans for when the appraisal came in low and gave us all the facts. I highly recommend working with Samantha and her team. Samantha and Amanda helped us get all our documents and went above and beyond when we encountered an issue. Thank you so much!
Andre Z.Goshen, IN, July 31st, 2023 12:09 PM
Everything went well
John Michael D.Elkhart, IN, July 31st, 2023 05:37 PM
Samantha was very responsive and worked hard through all the challenges we faced to accommodate our schedule.
Justin G.Elkhart, IN, August 1st, 2023 12:47 PM
Samantha and Amanda helped us get our loan approved so quickly. They went above and beyond in helping us figure out navigating an issue with work and we're so responsive to our questions. Samantha helped us navigate an appraisal gap and provided us with all the facts and support we needed. I'm so grateful we had such a competent and respectful team. Highly recommend working with Samantha and Ruoff.
Emily S.Goshen, IN, August 5th, 2023 12:12 PM
Samantha was amazing. Our situation wasn’t standard by any means and lasted nearly a year. She stuck with us the entire time and was a huge help along the way. We will continue to do business with Samantha and Ruoff.
Brandon D.Middlebury, IN, August 14th, 2023 02:28 PM
Samantha was amazing, we felt like she became our friend during this entire process. It was not like working with a stranger, she kept us up-to-date on every detail of our loan process. It was a great experience, she is amazing.
Misti D.Middlebury, IN, August 17th, 2023 02:00 PM
Branches throughout
the US.
Customer Satisfaction Score.*
Days or less average
clear-to-close.**
Years of helping
homeowners like you.
Milestones updating you throughout the process.
Minutes at the closing
table on average.
*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:
**
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.
Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit:
http:
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.