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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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Justin

99.42%

Customer Satisfaction Score.

Scotsman Guide AwardRuoff Experience Award Winner AwardPresident's Club Award

Awards

Proudly serving Indiana, Ohio

Meet our happy homeowners***

View All Testimonials

Review 1

Megan K P.

Pennville, IN, Aug 21, 2026, 3:17 PM

5.0

Quick communication, effective getting the loan moving, knowledgeable about the process, and helped us overall to improve our credit and get it possible for us to buy a house

Review 2

Whitney W.

Muncie, IN, Aug 17, 2026, 2:48 PM

5.0

Justin took great care of us. He was easy to work with and had excellent communication throughout the entire process !

Review 3

Courtney T.

Coatesville, IN, Aug 14, 2026, 4:00 PM

5.0

Customer sercice was very friendly and personable

Review 4

Autumn F.

VAN BUREN, IN, Aug 5, 2026, 10:12 PM

5.0

First time buying a home and Justin made the process very easy and was very helpful throughout the entire proces. If I did not understand something he helped me understand everythin. very good experience!

Review 5

Aletha M L.

Montpelier, IN, Aug 5, 2026, 3:59 PM

5.0

He was right on it never had to wait on him. He was friendly and charming. I would use him again . i will tell my friends and family about him. One of the best experiences i have had.

Review 6

Isabelle P.

Muncie, IN, Jul 30, 2026, 8:45 PM

5.0

Justin Phillips was amazing! We were first time homebuyers and he walked us through every single step of the process . We had a million questions and he did not hesitate to answer a single one. Very punctual, honest, and supportive... I'm so glad we went through Ruoff!!

Review 1

Megan K P.

Pennville, IN, Aug 21, 2026, 3:17 PM

5.0

Quick communication, effective getting the loan moving, knowledgeable about the process, and helped us overall to improve our credit and get it possible for us to buy a house

Review 2

Whitney W.

Muncie, IN, Aug 17, 2026, 2:48 PM

5.0

Justin took great care of us. He was easy to work with and had excellent communication throughout the entire process !

Review 3

Courtney T.

Coatesville, IN, Aug 14, 2026, 4:00 PM

5.0

Customer sercice was very friendly and personable

Review 4

Autumn F.

VAN BUREN, IN, Aug 5, 2026, 10:12 PM

5.0

First time buying a home and Justin made the process very easy and was very helpful throughout the entire proces. If I did not understand something he helped me understand everythin. very good experience!

Review 5

Aletha M L.

Montpelier, IN, Aug 5, 2026, 3:59 PM

5.0

He was right on it never had to wait on him. He was friendly and charming. I would use him again . i will tell my friends and family about him. One of the best experiences i have had.

Review 6

Isabelle P.

Muncie, IN, Jul 30, 2026, 8:45 PM

5.0

Justin Phillips was amazing! We were first time homebuyers and he walked us through every single step of the process . We had a million questions and he did not hesitate to answer a single one. Very punctual, honest, and supportive... I'm so glad we went through Ruoff!!

Review 7

Deion Chance M.

Union City, IN, Jul 26, 2026, 3:15 PM

5.0

Experience was great.

Review 8

Blake S.

Muncie, IN, Jul 24, 2026, 4:07 PM

5.0

Every experience I had was excellen, great conmunacation and transparency . Couldn't be more satisfied

Review 9

Gavin M G.

Marion, IN, Jun 23, 2026, 3:03 PM

5.0

He really helped us navigate and figure out how to get my credit score up in order to be able to get a mortgage . Highly recommend Justin; we would be homeless without his help!

Review 10

Carson S.

Hartford City, IN, Jun 29, 2026, 3:45 PM

5.0

Justin was very helpful from the very start. He answered all of my questions, always explained what was going on, and helped me understand everything that goes into buying your first home.

Review 11

Robert W.

Muncie, IN, Jun 22, 2026, 7:45 PM

5.0

Justin was awesome anything I needed help with he was there for me, and there was a ton, and everytime he did everything to help, always nice and encouraging and positive attitude, always made me feel welcomed, hes the best ever

Review 12

Mark F.

Hartford City, IN, Apr 25, 2026, 4:04 AM

5.0

really they did every thing right a wonderful experience and they are very well versed on real estate would recommend them to everybody really had a good experience thanks

Review 13

Branson Thomas R.

Montpelier, IN, Apr 22, 2026, 3:26 PM

5.0

Communication

Review 7

Deion Chance M.

Union City, IN, Jul 26, 2026, 3:15 PM

5.0

Experience was great.

Review 8

Blake S.

Muncie, IN, Jul 24, 2026, 4:07 PM

5.0

Every experience I had was excellen, great conmunacation and transparency . Couldn't be more satisfied

Review 9

Gavin M G.

Marion, IN, Jun 23, 2026, 3:03 PM

5.0

He really helped us navigate and figure out how to get my credit score up in order to be able to get a mortgage . Highly recommend Justin; we would be homeless without his help!

Review 10

Carson S.

Hartford City, IN, Jun 29, 2026, 3:45 PM

5.0

Justin was very helpful from the very start. He answered all of my questions, always explained what was going on, and helped me understand everything that goes into buying your first home.

Review 11

Robert W.

Muncie, IN, Jun 22, 2026, 7:45 PM

5.0

Justin was awesome anything I needed help with he was there for me, and there was a ton, and everytime he did everything to help, always nice and encouraging and positive attitude, always made me feel welcomed, hes the best ever

Review 12

Mark F.

Hartford City, IN, Apr 25, 2026, 4:04 AM

5.0

really they did every thing right a wonderful experience and they are very well versed on real estate would recommend them to everybody really had a good experience thanks

Review 13

Branson Thomas R.

Montpelier, IN, Apr 22, 2026, 3:26 PM

5.0

Communication

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Justin Phillips

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 Award

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 Award

Ruoff Customer Experience Award

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

President's Club Award

President's Club

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

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

Proudly serving Indiana, Ohio

Justin Phillips

Senior Loan Officer

NMLS: 1067984

OH: MLO-OH.1067984

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.