
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
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
Rates Are High, But Now Is the Time to Buy in Central Indiana
Oct 2, 2026
Rates have shifted recently, yet buyers in Central Indiana still have a real window to purchase a home. The key is recognizing that today’s market gives you leverage that may not last once conditions change. Focusing on the overall price rather than waiting for rates to drop can put you in a stronger position.
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Mortgage Rate Increases This Week: Finding Real Opportunity
Sep 25, 2026
Mortgage rate increases this week have many homebuyers wondering what comes next. At Ruoff Mortgage, we view these shifts as a moment to pause and look for practical ways forward rather than a reason to step back. The market is sending clear signals that favor preparation and thoughtful action.
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Fed Rate Hikes: What It Means for Homebuyers
Sep 18, 2026
The Federal Reserve has raised its benchmark rate again and signaled more moves could be coming. If you’re thinking about buying a home you might be wondering how this affects your plans. The good news is that you still have solid options, and understanding the current environment can help you move forward with confidence.
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