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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99.42%
Customer Satisfaction Score.



Awards
Proudly serving Indiana, Ohio
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A Bit About Me
I’m Justin Phillips, a Senior Loan Officer with Ruoff Mortgage, focused on making the mortgage process simple, straightforward, and stress-free. Whether you’re a first-time homebuyer, purchasing your next home, or refinancing, I’m here to provide clear guidance, quick communication, and exceptional customer service from start to finish. I take the time to understand your goals, explain your options, and help you feel confident in your decisions. When I’m not helping clients, I enjoy spending time with my wife and daughters and being involved in my community. If you have questions about buying or financing a home, I’m always happy to help.
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
Weak Housing Data Report: What It Means for Fed Decisions
Oct 23, 2026
If you have seen the latest weak housing data report, you may be asking what this means in Central, Indiana for the Federal Reserve’s next moves on interest rates. Recent releases have shown slower activity in home sales and starts, and many buyers and homeowners locally are wondering how those numbers could shape policy choices ahead.
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Conventional Rates the Highest Since 2023 in Central, Indiana: Good or Bad?
Oct 16, 2026
When conventional rates the highest since 2023 in Central, Indiana appear in the headlines, it is natural for homebuyers and homeowners to pause and ask what it really means for their plans. Rates have shifted recently, and understanding the bigger picture helps you make decisions that fit your timeline and budget.
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Should you consider buying now or Central Indiana market conditions make waiting seem smarter?
Oct 9, 2026
Should you consider buying now or Central Indiana market conditions make waiting seem smarter? Many homebuyers in this area face that exact question as rates have shifted recently. The good news is that acting now can still align with your long-term goals, especially when you focus on balanced growth rather than trying to time every change.
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