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Sally Burks Elmore, Ruoff Mortgage - Senior Loan Officer | NMLS# 1029858 | Ruoff Mortgage NMLS# 141868 in Spencer, IN
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Sally Burks Elmore, Ruoff Mortgage

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Senior Loan Officer | NMLS# 1029858 | Ruoff Mortga...

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Western Governor's University
Western Governor's University
At Ruoff Mortgage our mission is to guide homebuyers and homeowners at every step with experience and commitment so they can achieve their goals and move into their homes with confidence. In order to ensure a seamless loan process, customer... Show More
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Western Governor's University
Western Governor's University
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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5 Star
99%
4 Star
1%
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0%
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Reviews from Web
  • Encompass
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    Tyler C B
    Spencer, IN
    Posted on March 8th, 2026 03:03 PM
    This is the second time we’ve worked with Sally Burks Elmore, and there’s a reason we keep coming back to her. Sally is absolutely amazing at what she does. She is incredibly dedicated, kind, and always takes the time to make sure you fully...
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    Reply from Sally Burks Elmore, Ruoff Mortgage
    March 10th, 2026 04:16 PM
    Tyler, I appreciate your kind words and continued trust in my work. It's incredibly rewarding to know that my dedication and approach have made the process easier for you and Koti. Ensuring a smooth and clear experience is always my goal, and...
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  • Encompass
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    Yvette M R
    Mooresville, IN
    Posted on February 24th, 2026 04:50 PM
    I recently completed my refinance with Sally, and I am thrilled to share my experience. This was my second time working with her in less than a year, and once again, she was absolutely amazing. From the very beginning, she made sure to keep...
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    Reply from Sally Burks Elmore, Ruoff Mortgage
    February 27th, 2026 10:04 PM
    Yvette, I'm grateful for your kind words and the trust you've placed in me for the second time this year. I'm so glad to hear that you felt informed and supported throughout your refinance process. Helping you find the best options and ensuring...
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    John J M
    Bloomington, IN
    Posted on February 24th, 2026 12:48 AM
    We've worked with Sally for ten years now and she is the greatest! Always so thorough, willing to research to ensure we get the best deals, and so kind. We genuinely love her. She could be a part of our family at this point!
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    Reply from Sally Burks Elmore
    February 27th, 2026 10:10 PM
    Awww John and Angie-I am so grateful for you and the wonderful thoughts you shared. It has been such an honor to help you guys through your loan processes and see the goals you have attained in homeowner ship. I am so glad we met all those...
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    Phillip W H
    Terre Haute, IN
    Posted on February 6th, 2026 04:51 PM
    Sally is absolutely amazing
    Reply from Sally Burks Elmore, Ruoff Mortgage
    February 9th, 2026 08:30 PM
    Awwww Thanks so much Phil and Jackie! Thank you for the wonderful comments and the 5 star Survey. It is always such a pleasure getting to work with you. I love your positivity and your faith!
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    Jennifer R B
    Oaktown, IN
    Posted on January 31st, 2026 08:29 PM
    Sally was the best, she worked with me through everything
    Reply from Sally Burks Elmore, Ruoff Mortgage
    February 2nd, 2026 07:39 PM
    Jennifer,I am so happy for you! I know you have been working toward purchasing a home and it was an honor to help you do that. Thank you for the awesome survey and your wonderful comments. Please let me know if you have any questions at all...
    read more
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    Erin M
    Posted on January 26th, 2026 04:49 PM
    Sally Burks Elmore, Ruoff Mortgage has received a review with 5 star rating from Erin M
    Reply from Owner
    February 2nd, 2026 07:46 PM
    Thanks so much Erin for the 5 star review! It is always a pleasure to help you and James with your mortgage needs. I am so glad we could work through this one smoothly and seamlessly! I can't wait to see what updates you make to the home. That...
    read more
  • Encompass
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    Erin K M
    Bloomington, IN
    Posted on January 26th, 2026 04:47 PM
    Sally has worked with us before and we appreciate her relationship with us. Everything was ready to go, and the technology connects directly with our bank for ease of experiende.
    Reply from Sally Burks Elmore, Ruoff Mortgage
    February 2nd, 2026 07:49 PM
    Thanks Erin for your wonderful review! Ruoff Mortgage really does try to make the whole process easy and smooth! Thanks so much for trusting myself and Ruoff for your mortgage. it is always great to work with you both!
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    Bethann M B
    Bloomington, IN
    Posted on January 9th, 2026 04:09 PM
    Sally was amazing
    Reply from Sally Burks Elmore, Ruoff Mortgage
    January 9th, 2026 04:22 PM
    Thank you so much Bethann! It was truly a pleasure to work with you and Joe. Wishing you much Happiness and Success in the New Year! Please let me know if you need anything at all. Thanks! Sally
  • Encompass
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    Hunter M S
    Spencer, IN
    Posted on December 28th, 2025 10:11 PM
    The entire process was excellent, and I would recommend Sally to friends and family seeking mortgage financing.
    Reply from Sally Burks Elmore, Ruoff Mortgage
    December 29th, 2025 02:11 PM
    Thank you so much Hunter for the wonderful survey! It is always heartwarming for me to help friends navigate the mortgage process! It was such a pleasure working with you! We try to make the process as easy and smooth as possible for our clients!...
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    Danielle P
    Posted on December 20th, 2025 08:15 PM
    Sally communicated clearly every step of the way. She was always immediately available for any questions I had, she answered them thoroughly and to the best of her ability. I have even already recommended her to a friend I have that has been...
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    Reply from Sally Burks Elmore, Ruoff Mortgage
    December 31st, 2025 07:57 PM
    Danielle, it's wonderful to hear that my communication and availability were beneficial for you throughout the process. I'm especially grateful for your recommendation to a friend; it means a lot to me. Your appreciation is genuinely valued,...
    read more
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    About
    At Ruoff Mortgage our mission is to guide homebuyers and homeowners at every step with experience and commitment so they can achieve their goals and move into their homes with confidence. In order to ensure a seamless loan process, customer service is at the core of what we do and has been for the past 40 years. By sharing knowledge and showing support, Ruoff Mortgage helps our customers see the potential and excitement in the homeownership experience.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Down Payment Assistance
    Conventional Home Loan
    Home Renovation Loan
    Mortgage Refinance
    Construction Loan
    Bridge Loans
    Fixed Rate Mortgages
    Non-QM
    Specialities
    USDA
    VA
    Conventional
    FHA
    Mortgage Loan Products
    IHCDA
    Ruoff HomeNow
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    Education
    • Western Governor's University
      Business
      Bachelor of Science Business Management
      Western Governor's University logo
    Positions
    • Ruoff Mortgage - Senior Loan Officer
      Jul 1st, 2018 - Current
    Memberships
    • SCIREMC Round Up Board President
    • Spencer Main Street Secretary
    • South Central Indiana Mortgage Bankers Association
    • View All
    Addresses and Serving Areas

    Year Started

    2005

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • Mortgage Loan Officer License 1029858
    Gallery
    Sally Burks Elmore, Ruoff Mortgage - Gallery Photo
    Sally Burks Elmore, Ruoff Mortgage - Gallery Photo
    Achievements
    • Owen County Chamber on the Board of Directors
    Hobbies
    • Buying new things for my grandson
    • Going to small towns and exploring
    • Visiting Florida
    • View All
    Disclaimer
    Equal Housing Lender
    Ruoff Mortgage Company, Inc. is an Equal Housing Lender
    Ruoff Mortgage Company, Inc. | NMLS ID #141868
    1670 Magnavox Way | Fort Wayne, IN 46804 | Phone (260) 999-6200
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