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Samantha Conrad

Senior Loan Officer

NMLS: 132573

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Samantha

94.66%

Customer Satisfaction Score.

Scotsman GuidePresident's Club

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Tonya S C.

Goshen, IN, Jul 29, 2026, 10:22 PM

Excellenteverythjng was good Thank y

Brendan E P.

Elkhart, IN, Jun 16, 2023, 4:47 AM

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!

Andrew T H.

Goshen, IN, Jul 2, 2023, 5:01 PM

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!

Michael W.

Feb 12, 2023, 10:00 PM

Samantha Conrad was extremely knowledgeable and always made us feel confident in our decision making. She kept us informed thru the entire process.

Bobby F.

May 12, 2023, 8:06 AM

Kept us posted on each step, always quick to answer our questions and very pleasant to work with Sam

Jennie L M.

OSCEOLA, IN, Jul 14, 2023, 5:59 PM

She answered all my questions so that I could understand them

Tonya S C.

Goshen, IN, Jul 29, 2026, 10:22 PM

Excellenteverythjng was good Thank y

Brendan E P.

Elkhart, IN, Jun 16, 2023, 4:47 AM

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!

Andrew T H.

Goshen, IN, Jul 2, 2023, 5:01 PM

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!

Michael W.

Feb 12, 2023, 10:00 PM

Samantha Conrad was extremely knowledgeable and always made us feel confident in our decision making. She kept us informed thru the entire process.

Bobby F.

May 12, 2023, 8:06 AM

Kept us posted on each step, always quick to answer our questions and very pleasant to work with Sam

Jennie L M.

OSCEOLA, IN, Jul 14, 2023, 5:59 PM

She answered all my questions so that I could understand them

Brianne L W.

Osceola, IN, Jul 19, 2023, 4:29 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.

Andre Z.

Goshen, IN, Jul 31, 2023, 4:09 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!

John Michael D.

Elkhart, IN, Jul 31, 2023, 9:37 PM

Everything went well

Justin G.

Elkhart, IN, Aug 1, 2023, 4:47 PM

Samantha was very responsive and worked hard through all the challenges we faced to accommodate our schedule.

Emily S.

Goshen, IN, Aug 5, 2023, 4:12 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.

Brandon D.

Middlebury, IN, Aug 14, 2023, 6:28 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.

Misti D.

Middlebury, IN, Aug 17, 2023, 6:00 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.

Brianne L W.

Osceola, IN, Jul 19, 2023, 4:29 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.

Andre Z.

Goshen, IN, Jul 31, 2023, 4:09 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!

John Michael D.

Elkhart, IN, Jul 31, 2023, 9:37 PM

Everything went well

Justin G.

Elkhart, IN, Aug 1, 2023, 4:47 PM

Samantha was very responsive and worked hard through all the challenges we faced to accommodate our schedule.

Emily S.

Goshen, IN, Aug 5, 2023, 4:12 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.

Brandon D.

Middlebury, IN, Aug 14, 2023, 6:28 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.

Misti D.

Middlebury, IN, Aug 17, 2023, 6:00 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.

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Samantha Conrad

A Bit About Me

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.

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

President's Club

President's Club

10x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Indiana

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

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://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.