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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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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.

98.80% Customer Satisfaction Rating

Hi, I'm Justin!

Senior Loan Officer

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

98.80% Customer Satisfaction Rating

Let me help you get pre-approved today!

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.
Get Started

What is your goal?

Buy a Home

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


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 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
  • 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 what was required to ensure a smooth process.

    Paul B, 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
  • I’m really happy I chose Ruoff for my Mortgage. Justin always answered any questions I had and kept me informed as things happened.

    Latisha H, happy client
  • Justin was great with his communication. Even setting his own personal alarm to remind us to head in and get our homestead exemption setup.

    Jason E, 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
  • Communication was excellent! Justin always answered any questions or concerns that we had.

    Travis D, 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 kept in contact with me through the whole process

    Daniel D, happy client
  • Perfect communication and execution. Justin and the entire staff shared our excitement!

    Steven T, happy client
  • Justin always kept us informed and was always readily available if we needed help at any point in the loan process.

    Jacob B, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

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.

Stay connected.

I would love to hear from you!

Call me at 765.808.2111 or message me below!

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