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I will work hard to help you achieve your homeownership goals.
I will work hard to help you achieve your homeownership goals.
I am a Senior Mortgage Loan Officer with Ruoff Mortgage, serving both Indiana and Illinois. I bring over 24 years of real estate and mortgage lending experience and expertise. Service is always the foundation of my business and I believe in providing the best home-buying experience possible and I will continuously strive to exceed your expectations. Good communication is the key to excellent customer service and a top priority for me.
Whether you are buying your first home, refinancing your current home, looking to build or wanting to move up, we will work together to find the right product and solution to all of your financial needs. Call me today and let's get started.
2022
2023
2024
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.
Get your house on the market, and look for your next home!
I noticed that Scott went above and beyond to meet our expectations when we had questions, found the right home, and to get all the loan stuff completed on time! He was amazing and we would recommend him to anyone we know looking for a home! Any question we had, he answered in a fast and extremely nice manner! Thank you Scott for all your hard work and dedication in helping your clients!
Dylan V B.Sandborn, IN, July 11th, 2025 11:23 AM
Quick call backs and email. friendly and answered any questions I had
Stacey A M.LAWRENCEVILLE, IL, July 19th, 2025 10:30 PM
Scott is slightly insufferable. I'm sure he works with a lot of clients who self-sabotage a lot, but he might consider working on how infantilizing he can come off on such a monumental life decision that, for whatever reason, comes with a package of nuance and arbitrary rules on order of operations and procedural jargon. He's also way too young, rich, and experienced to be so bad with technology -- a small note, but it does leave room for improvement. Loan Butler is an extremely well-designed website and does a lot of the heavy lifting for mortgage agents. He also ignored some pertinent, time-sensitive questions I had, since I was trying to stay on top of things. I just didn't want to be the reason anything got held up, and I wasn't keen on doing anything until being told to do so by the almighty higher powers of realtors and mortgage agents who decide they're important enough to shave off several points from both buyer and seller, hundreds of times a year. That said, he did navigate the procedure well enough to ensure that I did not own-goal and ruin the process. I didn't have my time wasted with pointless phone calls or duplicating information. My agent Rachael warned me that the insufferability of working with Scott was the drawback to his greatest strength: speed. He delivered that in spades. I don't want to Hank his Schrader too much, given how complicated a mortgage is with a bunch of different moving parts, including extremely motivated buyers and sellers, but the mortgage company did not hold up the transaction at all. He got me same day pre-approval when I saw the house so we could make an offer. And from the offer acceptance date, we closed only three weeks later. That's blisteringly fast. That can't happen under an incompetent mortgage agent, and he deserves all the props for that. And since I cared about the timeline more than anything, and any prospective buyer probably would as well, who cares about anything else? Quick, clean work, and now I can play housekeeper and possibly never go through this process again. But if I did, as long as the [redacted] were alright, I would shop with Ruoff first.
Jacob G.Vincennes, IN, July 19th, 2025 03:38 PM
Scott and Emily were very helpful with the entire process. I enjoyed working with them both!
Rhyan D.West Terre Haute, IN, July 15th, 2025 11:09 AM
I appreciated the fact that as soon as I reached out to Scott, he immediately got my application started and push through. He was always on time when it came to any questions I had got me a great deal I would recommend him to everybody 10 out of 10 if you ask me
Maron M.Terre Haute, IN, July 14th, 2025 11:36 AM
Scott was very patient when during our loan process some unforeseen issues came up thdy they caused a delay in moving forward with the losn. He was very understlanding and allowed us the time needed to take care of the issuea so we could move forward with the loan.
Deanna K M.Farmersburg, IN, July 5th, 2025 08:32 PM
Two other lenders couldn't make it work. Scott was amazing. Came highly recommended and didn't disappoint.
Robert A W.PARIS, IL, July 4th, 2025 11:24 AM
Scott answered every question I had and then some. He gave me the guidance I needed to be able to get the deal done and closed.
Jessica M C.Terre Haute, IN, July 1st, 2025 09:17 AM
Scott Phegley was fantastic with the overall experience. He kept me well informed on each process, and contacted me with questions and conerns even on his off time To include weekends. He made me feel comfortable with every step- I can not say enough to thank him!!!!
Shontell Marie H.Lawrenceville, IL, June 27th, 2025 11:12 AM
Great service and communication all around!
Danielle A. D.Robinson, IL, June 24th, 2025 10:17 AM
Scott was wonderful to work with! he was so informative and was always quick to answer any questions I had! I felt well prepared for closing and he made the process stress-free!
Meagan R K.Sullivan, IN, June 22nd, 2025 08:01 PM
Scott was extremely helpful and knowledgeabl.
Dylan G.Washington, IN, June 20th, 2025 10:28 PM
Scott was very helpful and also walked me through the whole process it was very nice experience for us thank u Scott
Katherine R S.Hymera, IN, June 14th, 2025 03:19 PM
Branches throughout
the US.
Customer Satisfaction Score.*
Days or less average
clear-to-close.**
Years of helping
homeowners like you.
Milestones updating you throughout the process.
Minutes at the closing
table on average.
*Based on
2024
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:
**
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:
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.