
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
Mortgage Rates Rising Amid Iran Conflict: What Central Indiana Buyers Need to Know
Jul 24, 2026
Recent developments in the Middle East have many homeowners and buyers asking how global events might influence their local housing plans. Mortgage rates have shifted recently in response to heightened uncertainty, and it is natural to feel a bit unsettled when headlines like these hit close to home.
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How a New Housing Law Supports Affordability
Jul 18, 2026
Homebuyers have been watching the news with plenty of questions lately. A new housing law is stepping in to support affordability while helping keep rates more stable, even as global events like ongoing conflicts and rising inflation continue to create uncertainty.
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How Employment Data Shifts Mortgage Rate Predictions and What Kevin Warsh’s Comments Mean for Indian
Jul 3, 2026
Recent employment numbers have everyone talking about where mortgage rates might head next. When job growth slows or unemployment ticks up, it often signals the Federal Reserve could ease up on rates. At the same time, former Fed governor Kevin Warsh has pointed out that prices remain too high in key areas, adding another layer to the conversation. These shifts matter., and they influence what you’ll pay each month on a new home or refinance. Let’s break down what the latest data shows and how it connects to your plans.
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