
Justin Phillips
Senior Loan Officer
NMLS: 1067984 | OH: MLO-OH.1067984
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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Proudly serving Indiana, Ohio
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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.

Ruoff Customer Experience Award
Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

President's Club
Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
My Latest Blogs
August Housing Market Update: Slower Sales but More Choices for Buyers
Sep 11, 2026
Higher rates have continued to influence buyer decisions this August, leading to slower sales across many markets. At the same time, rising inventory and fresh listings are creating new opportunities for those ready to move.
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Don't Let Shifting Rates Distract You from Buying a Home Instead of Renting
Sep 4, 2026
Many folks wonder if now is the right time to stop renting and step into homeownership. The truth is that rates have shifted recently, yet the bigger picture shows they are not the obstacle they might seem compared to earlier decades. Renting can quietly cost more in the long run when you factor in rising payments and lack of equity.
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Home Sales Took a Dip in July – Should Buyers Still Move Forward?
Aug 28, 2026
Recent data shows both pending and existing home sales declined in July as rates have shifted recently and buyer activity cooled. If you’re thinking about purchasing you might be wondering whether this is the right moment to proceed. The short answer is that every situation is different, and timing often comes down to your personal goals rather than national headlines alone.
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