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Picture of Justin Phillips
Picture of Justin Phillips

Hi, I'm Justin!

Senior Loan Officer

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

99.91% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Justin!

Senior Loan Officer

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

99.91% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Hey there, I'm Justin Phillips, and I wear the hat of a Senior Loan Officer at Ruoff Mortgage. My game is simplifying the mortgage world for folks like you.

I'm all about excellent customer service - it's my jam. I thrive on making sure your unique needs are met with the utmost care and dedication. Whether you're a first-time homebuyer or looking to refinance, I've got your back.

When I'm not immersed in the mortgage world, I'm all about family. I'm a proud husband and dad to two lively little girls. They're my pride and joy, and we create lasting memories together.

I also love to stay active - you'll often find me working out, hitting the golf course, or out fishing, enjoying the great outdoors.

My work is guided by the principles of transparency, ethics, and always putting your interests first. If you're ready to dive into the mortgage world or need expert guidance on your homeownership journey, just drop me a line. Reach out via email at justin.phillips@ruoff.com, or give me a call at 765-808-2111. I'm here to help you navigate the mortgage landscape with a personal touch and a friendly smile. Let's get started on your path to homeownership!

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President's Club Member

President's club seal 2023

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

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*

  • Justin Phillips was a phenomenal loan officer to work with. As a first-time home buyer, I was not familiar with the process. Justin walked us through every step of the way, answering any questions I may have had and doing so in a timely manner. I felt that I could trust him, which was essential to me as this was a substantial financial decision. The Loan Butler portal was very user-friendly and easy to navigate. The milestone timeline offered a helpful visual to help us keep track of where we were in the home-buying process, and how much of it we had left. I would recommend Justin, and Ruoff, to anyone I know!

    Amanda H, happy client
  • Justin went above and beyond during my home buying process. He was extremely helpful and was always willing to answer any questions I had. Justin made sure that closing would be on schedule, even with a busy holiday weekend leading up to my closing date! I cannot recommend Justin and Ruoff enough!

    Brittany D, happy client
  • Justin Phillips was excellent. He was always quick to respond, very informative and went beyond expectations several times. I had the utmost confidence in him and the things he told me.

    Barbara H, happy client
  • Justin went above and beyond for us. Hes amazing! Wed recommend him to anyone.

    Tammy R U, happy client
  • Justin Phillips was very friendly, and never seemed bothered with my questions. He even answered questions after normal business hours. I was looking for a particular interest rate and he let me know the rates as they changed on a consistent basis.

    Gregory S, happy client
  • I think Justin was very helpful through the entire process. He provided great feedback and was very fast with his replies. He answered all my questions and kept me informed the entire time. I would highly recommend using Ruoff and Justin specifically!

    Tori M, happy client
  • Justin Phillips was extremely helpful. He answered all of our questions quickly and with expertise. We were very pleased with his great attitude and commitment to helping us through the process.

    Nicholas M, happy client
  • Justin is just an awesome person to go to for anything that I may have needed through the process. Very easy to talk to or just shoot a quick question to.

    Brian D, happy client
  • I love how easy it was to communicate with Justin. He really went above and beyond to make sure we understood the entire process from start to finish!

    Tori G, happy client
  • Justin Phillips treated us like his own family. He was kind, helpful, and very supportive when we needed to clear a few things up. His patience and guidance along with dedication to us got us the home we love.

    Christopher B, happy client
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Why should you choose Ruoff?

71

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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 765.808.2111 or message me below!

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