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Picture of Scott Phegley
Picture of Scott Phegley

Hi, I'm Scott!

Senior Loan Officer

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

97.68% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Scott!

Senior Loan Officer

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

97.68% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I am a Senior Mortgage Loan Officer with Ruoff Mortgage, serving both Indiana and Illinois. I bring over 15 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.

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President's Club Member

President's club seal 2022
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.


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*

  • Scott made the loan process understandable and easy from start to finish. He was always available to answer any questions or clarify any concerns. Scott went above and beyond to make me feel like I was his top priority, and he always treated me as if I were a friend and not just a client.

    Constance L, happy client
  • Our total experience with Ruoff and Scott was amazing. Professional, honest, and dependable is how I would rate Scott Phegley and Ruoff. Thank you for making our families dream come true.

    Rob and Stephanie L, happy client
  • I loved working with Scott. He treated me with respect and understanding.

    Jamie M, happy client
  • Scott was honest from the beginning! he was so helpful and never gave us false hope. But he never gave up on us! Due to Scott's help him we are in our forever home!

    Dean H, happy client
  • Everything was made very easy for us and done in a timely manner.

    Chelsie M, happy client
  • Scott treated me with respect every time I had a question.

    Jamie M, happy client
  • Scott was super helpful and made the process extremely timely!

    Steph L, happy client
  • They did a great job with everything. Even tho we had to wait a bit it was well worth it thank you all so much I and my son love our new home.

    John D, happy client
  • Everything was done quick, efficiently and Scott never failed to inform me of every aspect of the process.

    Matthew K, happy client
  • Scott was incredibly helpful and answered every question I had.

    Craig M, happy client
  • Scott was a pleasure to work with answered all questions quickly and made us feel at ease about the whole process.

    Steven H, happy client
  • Scott went above and beyond in all aspects of the process. He was always quick to respond to any questions I had. Very, very friendly and courteous, even sliding in a few jokes here and there, yet still very professional. Really made me feel at ease.

    Danielle R, 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 812.239.5566 or message me below!

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