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Picture of Samantha Bayless
Picture of Samantha Bayless

Hi, I'm Samantha!

Sales Support Manager | Senior Loan Officer

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

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Samantha!

Sales Support Manager | Senior Loan Officer

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

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

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.

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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
  • 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
  • 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 was very helpful and answered all of my questions. She responded to all my emails and texts right away, at all hours of the day.

    Bailey , happy client
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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.

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I would love to hear from you!

Call me at 765.714.0927 or message me below!

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