Shelly Harmon
Loan Officer
NMLS: 2735125
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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Awards
Proudly serving Indiana
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A Bit About Me
At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.
Awards & Achievements
Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
My Latest Blogs
Credit Score Glow-Up: Hilarious Hacks for White County, Indiana First Time Homebuyers
May 14, 2026
Ever stared at your credit score like it's the villain in a bad rom-com—low, mysterious, and ruining your happily-ever-after? If you're a White County, Indiana first time homebuyer eyeing that cozy Monticello bungalow, fear not! Your credit score isn't a life sentence; it's more like a grumpy cat that just needs some treats (and timely payments) to purr. In this laugh riot of a guide, we'll turbo-boost your score so you can snag that dream home without the bank laughing you out the door. Let's turn that FICO frown upside down!
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How Inflation and Fed Policy Affect Mortgage Rates: Your Lighthearted Guide to Smarter Homebuying
Apr 23, 2026
Ever feel like mortgage rates are playing a game of economic hot potato? One day they're sizzling low, the next they're jumping like popcorn in a microwave. How inflation and Fed policy affect mortgage rates is the behind-the-scenes drama that keeps homebuyers on their toes—especially here in White County, Indiana, where our local farmers and families watch corn prices and home values rise together.
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How Much Down Payment Do You Really Need in 2026?
Apr 9, 2026
Monticello, IN First Time Homebuyers: How Much Down Payment Do You Really Need in 2026?
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At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*