
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
Why Your Indiana Mortgage Rate Quote Might Be Bullsh*t
Aug 20, 2026
You can get a good look at a T-bone by sticking your head up a bull’s ass, but I’d rather take the butcher’s word for it.
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Why the Housing Market Keeps Moving Forward Even as Rates Shift
Aug 7, 2026
Homebuyers across central Indiana are still finding ways to make moves, even as rates have shifted recently. The latest data shows demand holding steady in many areas, and that trend is playing out right here in our communities.
Read More
Why the Housing Market Keeps Moving Forward Even as Rates Shift
Aug 7, 2026
Homebuyers across central Indiana are still finding ways to make moves, even as rates have shifted recently. The latest data shows demand holding steady in many areas, and that trend is playing out right here in our communities.
Read More

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



