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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
2025
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!
Scott Phegley was great to work with he answered all of our questions and gave us some good advice along the way. We very grateful for Scott and the rest of the Ruoff folks for helping us get the house we wanted.
Jacob Seth H.Palestine, IL, June 22nd, 2026 06:01 PM
I love the easy step-by-step process made things go smoothly and fast. I will be recommending Scott to anyone looking to buy a new home. He was fantastic to work with. He made it a breeze.
Lori J P.Farmersburg, IN, June 22nd, 2026 11:07 AM
Scott and his team were so patient and kind! I was given all the tools and information I needed to make this journey smooth. I would recommend Scott and his team to anyone looking to buy or sell a home if you want a seamless , calm, and enjoyable process!
Kaitlyn N P.Bicknell, IN, June 22nd, 2026 11:04 AM
You made it easy for us to go through the application process and get our loan
Cody Alan D.Jasonville, IN, June 20th, 2026 08:10 AM
Scott was amazing to work with he answered any and all questions I had almost immediately everytime I reached out to him! I would recommend Scott to anyone that is buying a home it was honestly a breeze working with him He was very knowledgeable and gave lots of information to every question! he's a great guy!
Briana S.Annapolis, IL, June 13th, 2026 07:24 PM
The communication and the helpfulness answering questions for first time homebuyers was great and super insightful
John Paul S.Annapolis, IL, June 13th, 2026 11:07 AM
Everything went very fast!
Zachary Ellis D.Robinson, IL, June 7th, 2026 11:16 AM
Even though the communication process was mostly online, I was still highly satisfied with how quickly Scott's team responded to us. They were able to explain the loan process in great detail in ways us first time home buyers were able to understand. Scott's team was very personable and supportive while still being professional, which we highly appreciate. We will be reccomending Ruoff to our friends and families.
Kyndal R.Oblong, IL, May 19th, 2026 03:47 PM
You guys actually did everything you said you were going to do and made everything happen for us! y'all made a dream a reality.
Lara Q.Carlisle, IN, May 17th, 2026 03:42 PM
Tom and Scott went above and beyond for us returned all calls and emails immediately very satisfied
Jessica L S.ROBINSON, IL, May 2nd, 2026 08:14 PM
Friendly,knowledgeable,very helpful!!
Christina M F.BICKNELL, IN, May 2nd, 2026 02:39 PM
Scott was very helpful with the process, he had all the awnsers to our questions and made the closing process quick and smooth.
Braden James T.Shelburn, IN, May 11th, 2026 11:37 AM
Scott and Tom helped me with questions I had as a first time homeowner I didnt know anything and I felt like some of the questions were dumb but they didn't make you feel that way. They helped you and I love how they responded quickly. I highly recommend Scott and Tom if you are needing a loan.
Makayla M.Shelburn, IN, May 10th, 2026 11:29 AM
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
2025
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.