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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.

99.90% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Justin!

Senior Loan Officer

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

99.90% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

Hey there, I'm Justin Phillips, and I wear the hat of a Senior Loan Officer at Ruoff Mortgage. My game is simplifying the mortgage world for folks like you.

I'm all about excellent customer service - it's my jam. I thrive on making sure your unique needs are met with the utmost care and dedication. Whether you're a first-time homebuyer or looking to refinance, I've got your back.

When I'm not immersed in the mortgage world, I'm all about family. I'm a proud husband and dad to two lively little girls. They're my pride and joy, and we create lasting memories together.

I also love to stay active - you'll often find me working out, hitting the golf course, or out fishing, enjoying the great outdoors.

My work is guided by the principles of transparency, ethics, and always putting your interests first. If you're ready to dive into the mortgage world or need expert guidance on your homeownership journey, just drop me a line. Reach out via email at justin.phillips@ruoff.com, or give me a call at 765-808-2111. I'm here to help you navigate the mortgage landscape with a personal touch and a friendly smile. Let's get started on your path to homeownership!

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President's Club Member

President's club seal 2023

What is your goal?

Buy a Home

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

Refinance

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*

  • 5.0
    Rating source icon

    Justin was very knowledgeable and was able to answer every question we had. He kept us up to date on where we were in the loan process. He was patient and kind and seamed eager to help us to succeed in our loan.

    Brent M.

    Dunkirk, IN, July 2nd, 2024 10:09 AM

  • 5.0
    Rating source icon

    Our loan officer, Justin, was an absolute gem throughout the process of buying our new house. Their expertise, attention to detail, and unwavering support were instrumental in making our home-buying journey smooth and stress-free. From start to finish, Justin went above and beyond, and we couldn't be more grateful for their exceptional service. Highly recommend!

    Hannah K.

    Upland, IN, December 14th, 2023 11:07 AM

  • 5.0
    Rating source icon

    I think Justin was very helpful through the entire process. He provided great feedback and was very fast with his replies. He answered all my questions and kept me informed the entire time. I would highly recommend using Ruoff and Justin specifically!

    Tori M.

    Muncie, IN, July 20th, 2023 12:51 PM

  • 5.0
    Rating source icon

    Great communication and customer service.

    Marcia K M.

    Muncie, IN, June 14th, 2024 12:15 PM

  • 5.0
    Rating source icon

    Justin is great when it comes to communication and always has a wonderful attitude! Extremely professional.

    Diana K T.

    Redkey, IN, May 27th, 2024 12:44 PM

  • 5.0
    Rating source icon

    Justin was very knowledgeable and quick to answer any question we had. It was a great experience to work with Justin on our first mortgage!

    Tyler T.

    Redkey, IN, May 27th, 2024 11:09 AM

  • 5.0
    Rating source icon

    Justin, Was amazing to work with. His quick response time and communication helped us get a house in the neighborhood we desired. Through the whole process Justin was up front and honest with us and really made us feel comfortable with the purchase. We will be recommending Justin to all friends and family. Absolutely fantastic experience!

    Kyle A D.

    Pendleton, IN, May 25th, 2024 07:12 PM

  • 5.0
    Rating source icon

    Justin was great! Quick to answer my questions and kept me informed during the whole process.

    Justin D B.

    Winchester, IN, May 7th, 2024 12:31 PM

  • 5.0
    Rating source icon

    Justin was fantastic in helping me during the entire process! I will definitely recommend him for other people to use. If I decide to buy another home, he will be the first person I contact.

    Rieanna Janel T.

    Muncie, IN, March 30th, 2024 11:49 AM

  • 5.0
    Rating source icon

    Justin was very helpful, communicated clearly and promptly and made sure we felt we were always being taken care of.

    Russell M W.

    Muncie, IN, March 31st, 2024 11:07 AM

  • 5.0
    Rating source icon

    I’m a first time homebuyer. Justin was so helpful teaching me what the process looked like and answering all the questions I had. He was pleasant to work with and very knowledgeable.

    Austin A C.

    Muncie, IN, April 8th, 2024 04:48 PM

  • 5.0
    Rating source icon

    Very efficient, kept us well informed of everything that was going on throughout the process.

    Heidi S.

    Muncie, IN, March 22nd, 2024 11:17 AM

  • 5.0
    Rating source icon

    Justin was always there anytime I had a question. He made the whole process very easy and smooth for it being my first house. I would recommend Justin and Ruoff to everyone!

    Haleigh C.

    Muncie, IN, March 18th, 2024 11:08 AM

See More

Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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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.

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I would love to hear from you!

Call me at 765.808.2111 or message me below!

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