Dan Smith. Senior Loan Officer. Ruoff Home Mortgage. Serving Monroe County, Bloomington, Indiana. Also serving Lawrence County, Bedford Indiana. Brown County, Nashville, Indiana. NMLS 2784335
I’m Dan Smith, a licensed Mortgage Loan Officer with Ruoff Home Mortgage, serving Bloomington and Monroe County, Indiana.
Before entering the mortgage industry, I spent more than 15 years in the automotive business in Bloomington, where I worked in senior leadership roles focused on sales, finance, and customer experience. During that time, I helped thousands of people navigate large financial decisions—often under pressure—and learned firsthand how important clarity, trust, and transparency are when money is involved.
That experience is what ultimately led me into mortgage lending.
Buying or refinancing a home is one of the largest financial decisions most people will ever make. My approach as a loan officer is simple: help clients understand their options clearly, structure loans intentionally, and make decisions that align with their real lives—not just today’s interest rate.
At Ruoff Home Mortgage, I work primarily with conventional loan options, including first-time homebuyers, move-up buyers, and homeowners exploring refinancing strategies. I place a strong emphasis on education, loan structure, and long-term planning so clients feel confident before, during, and after closing.
Because I’ve spent my entire professional career working directly with the Bloomington community, I understand the local market, local employers, and the realities buyers face in Monroe County. I believe the best mortgage advice is practical, straightforward, and tailored to each borrower’s timeline and goals.
When I’m not working with clients, I’m a husband, a father of two, and someone who values consistency, preparation, and long-term thinking—both professionally and personally.
If you’re looking for a mortgage loan officer in Bloomington who takes a consultative, no-pressure approach and focuses on getting the structure right—not just the rate—I’d be glad to help.
Dan Smith
Licensed Mortgage Loan Officer
Ruoff Home Mortgage
NMLS #2784335
Serving Bloomington & Monroe County, Indiana
Dan Smith | Senior Loan Officer 