Dan Smith - Ruoff Mortgage

10/19/2026

5.0 star review received on Experience.com for Dan Smith by Andrew M D - Dan was wonderful to work with and always available for questions. He made the process very easy.

Read more: https://experience.com/reviews/dan-smith-452324/2269d277-bc4a-4783-b90d-e8f9d472a4fd?V=1792441233&utm_source=facebook&utm_medium=autopost&utm_content=13764467

10/14/2026

It was such a pleasure to be part of this new home purchase! 🏡

I'm truly honored to have helped Matt and Courtney on the mortgage side of purchasing their dream home. There's nothing better than helping people turn their homeownership goals into reality!

A BIG shoutout to Macie Mulvaney, who worked incredibly hard to make this transaction a success for everyone involved. Great communication and teamwork make all the difference. Looking forward to working with this group again!

Another successful closing in Bloomington, Indiana!

Whether you're a first-time homebuyer, looking to purchase your next home, relocating to Bloomington, or considering refinancing your current mortgage, I'd love the opportunity to help you navigate the process.

As a local mortgage loan officer with Ruoff Mortgage, I'm proud to help homebuyers throughout **Bloomington, Monroe County, Ellettsville, Bedford, Martinsville, and surrounding Southern Indiana communities** explore their home financing options.

From conventional mortgages and FHA loans to VA home loans and refinancing, my goal is to make the mortgage process as straightforward and stress-free as possible.

Thinking about buying a home in Bloomington or Southern Indiana? Let's talk!

📍 Dan Smith | Ruoff Mortgage
NMLS #2784335
🌐 www.ruoff.com/dansmith

10/07/2026

🏡 JUST CLOSED in Bloomington, Indiana!

Congratulations to the new friends and new homeowners of 7778 W SR 45, Bloomington, IN!

It was a pleasure helping get this one across the finish line, and a big thank you to Chris Clark with CENTURY 21 Scheetz for being a great partner throughout the process. I hope to work with you again.

Buying a home doesn’t have to feel overwhelming. Whether you’re a first-time homebuyer, moving up, relocating to Bloomington, or just trying to figure out what you can afford, I’m always happy to help you understand your mortgage options and build a plan.

📍 Serving homebuyers throughout Bloomington, Monroe County, and Southern Indiana

🏠 Conventional | FHA | VA | USDA | First-Time Homebuyer Programs

Dan Smith | Ruoff Mortgage
Ready to buy? Send me a message and let’s talk.

09/24/2026

Thinking about buying your first home but not sure where to start?

Lavinia Chudy Realty - Century 21 Scheetz Lavinia Chudy and I are hosting a First-Time Home Buyer Class on October 22nd at
Heartwork Brewing — and we’re keeping it casual.

We’ll walk through the homebuying process from start to finish, including:
• How much you actually need for a down payment
• What lenders look for when you get pre-approved
• First-time buyer loan programs and options
• What to expect when making an offer
• Closing costs and other expenses to plan for
• Common mistakes first-time buyers can avoid

No sales pitch. No obligation. Just a chance to learn, ask questions, have dinner, and enjoy your first b**r on us.

October 22 | 6:30–8:00 PM
Heartwork Brewing

Dinner provided + first b**r on us

Space is limited, so RSVP to me or Lavinia by October 18.

And if you know someone hoping to buy their first home in the next year or two, tag them or send this their way.

09/11/2026

Thinking about buying a home in Bloomington but wondering if you should wait for mortgage rates to come down?

You're definitely not the only one asking!

I put together a new guide covering some of the questions I hear most from Bloomington and Monroe County homebuyers:

• Should I buy now or wait for rates to fall?
• How much do I really need for a down payment?
• FHA vs. conventional — which makes more sense?
• What credit score do I need?
• When should I get pre-approved?
• What options are available for first-time homebuyers?

Buying a home is a big financial decision, and there’s a lot more to it than just watching mortgage rates.

If you're considering buying in Bloomington or the surrounding area, give this a read.

Blog post "buying-a-home-in-bloomington-indiana-in-2026-mortgage-guide" in location "dansmith"

09/02/2026

5.0 star review received on Experience.com for Dan Smith, Ruoff Mortgage by Wanda F V - Dan was always available for any questions we had. He made it a lot easier. Kept us sane. Lol

Read more: https://experience.com/reviews/dan-smith-452324/35aedee9-82a5-426e-867c-eb12f0a5e16c?V=1788369285&utm_source=facebook&utm_medium=autopost&utm_content=13482625

09/01/2026

Here's your chance to win $3,000 toward your monthly mortgage payment courtesy of Ruoff! But wait, there's more! The winner will also get tickets to the Colts vs Ravens game on September 13th, and will have the opportunity to win more money on the field during halftime. Please see official rules for eligibility details. Click the link below to enter: https://ruoff.com/monthlymortgage?utm_source=Facebook&utm_medium=Social+Post&utm_campaign=Ruoff+X+Colts+Mortgage+Giveaway

09/01/2026

Thinking about waiting for mortgage rates to fall before buying a home? There’s another number you should be watching: home prices.

The latest Fannie Mae Home Price Expectations Survey, which polls more than 100 housing experts, projects that U.S. home prices could rise about 15% over the next five years.

Think about what that could mean:

A $300,000 home today, with 15% appreciation, would be worth roughly $345,000 five years from now.

A $400,000 home → roughly $460,000

A $500,000 home → roughly $575,000

Could mortgage rates be lower in the future? Absolutely.

But if you're waiting solely for a lower rate, you could also be waiting while the price of the home you want continues to increase.

And there’s another factor: when mortgage rates fall, more buyers may come back into the market. That can mean more competition for the same homes.

That's why I encourage buyers to look at the entire financial picture, not just today's interest rate.

If the home, payment and financing make sense today, buying now can allow you to begin building equity — and if rates improve later, we can evaluate whether refinancing makes sense.

If you're considering buying a home in Bloomington, Monroe County, or anywhere in Indiana, I'd be happy to run a buy-now-vs.-wait analysis for you.

Dan Smith
Senior Loan Officer | Ruoff Mortgage
Bloomington, Indiana
NMLS #2784335

Send a message to learn more