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Justin Jones

Senior Loan Officer

NMLS: 2002890 | OH: MLO-OH.2002890

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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Justin

99.42%

Customer Satisfaction Score.

Scotsman Guide Award

Awards

Proudly serving Florida, Indiana, Ohio

Meet our happy homeowners***

View All Testimonials

Review 1

Benjamin Allen P.

Danville, IN, Aug 4, 2026, 5:37 PM

5.0

Was really helpful with everything.

Review 2

Andrew S.

Kokomo, IN, Jul 20, 2026, 4:35 PM

5.0

Justin at Ruoff was excellent throughout our entire home-buying process. He was knowledgeable, responsive, and always took the time to clearly explain each step along the way. His professionalism and support made the experience smooth, efficient, and far less stressful.

Review 3

Andrew Michael T.

Connersville, IN, Jul 3, 2026, 6:33 PM

5.0

Justin was an excellent communicator and even better with his response time. The service speaks for itself

Review 4

Phyllis Ann B.

Franklin, IN, Jun 16, 2026, 4:41 PM

5.0

Justin was great , great communication Thank you!

Review 5

Whitney L G.

Indianapolis, IN, May 20, 2026, 6:38 PM

5.0

Working with Justin was an excellent experience from start to finish. He was always available to answer questions and took the time to explain every step of the process clearly and thoroughly. His communication was outstanding. He kept us informed of next steps promptly and made sure nothing ever felt confusing or overwhelming. What stood out most was his responsiveness, professionalism, and dedication to making the mortgage process as smooth as possible. I truly appreciated his guidance and support throughout the entire experience. I would highly recommend him to anyone looking for a knowledgeable and dependable mortgage loan officer.

Review 6

Olivia R.

Connersville, IN, May 29, 2026, 12:48 PM

5.0

Justin was very quick to respond, very knowledgeable, and always very helpful when we had any questions or concerns!

Review 1

Benjamin Allen P.

Danville, IN, Aug 4, 2026, 5:37 PM

5.0

Was really helpful with everything.

Review 2

Andrew S.

Kokomo, IN, Jul 20, 2026, 4:35 PM

5.0

Justin at Ruoff was excellent throughout our entire home-buying process. He was knowledgeable, responsive, and always took the time to clearly explain each step along the way. His professionalism and support made the experience smooth, efficient, and far less stressful.

Review 3

Andrew Michael T.

Connersville, IN, Jul 3, 2026, 6:33 PM

5.0

Justin was an excellent communicator and even better with his response time. The service speaks for itself

Review 4

Phyllis Ann B.

Franklin, IN, Jun 16, 2026, 4:41 PM

5.0

Justin was great , great communication Thank you!

Review 5

Whitney L G.

Indianapolis, IN, May 20, 2026, 6:38 PM

5.0

Working with Justin was an excellent experience from start to finish. He was always available to answer questions and took the time to explain every step of the process clearly and thoroughly. His communication was outstanding. He kept us informed of next steps promptly and made sure nothing ever felt confusing or overwhelming. What stood out most was his responsiveness, professionalism, and dedication to making the mortgage process as smooth as possible. I truly appreciated his guidance and support throughout the entire experience. I would highly recommend him to anyone looking for a knowledgeable and dependable mortgage loan officer.

Review 6

Olivia R.

Connersville, IN, May 29, 2026, 12:48 PM

5.0

Justin was very quick to respond, very knowledgeable, and always very helpful when we had any questions or concerns!

Review 7

Brittany B.

Sheridan, IN, May 28, 2026, 3:01 PM

5.0

Thank you!

Review 8

Matthew L A.

INDIANAPOLIS, IN, May 25, 2026, 8:35 PM

5.0

Justin Is the best . Have several clients that have worked with him and always said great things.

Review 9

John A C.

Indianapolis, IN, May 3, 2026, 7:29 PM

5.0

Working with Justin was an exceptional experience from start to finish. He made a genuine effort to be available whenever I had questions, always responding promptly and thoroughly. What stood out most was how he worked around my schedule rather than asking me to adapt to his, and that kind of flexibility made the whole process far less stressful. Throughout every step, Justin kept me informed and never left me wondering what was happening or what came next. His dedication to high-quality service isn't just a phrase; it showed in every interaction. I truly cannot thank him enough.

Review 10

Zachary Daniel H.

Indianapolis, IN, Apr 20, 2026, 5:46 PM

5.0

Justin was a great loan officer and very easy to work with. He made the process smooth and straightforward.

Review 11

Thomas G. G.

Lehigh Acres, FL, Apr 8, 2026, 5:41 PM

5.0

From the start, Justin was upfront about the entire loan process and fees that were involved. He answered all the questions I had regardless of the time of day or if it was the weekend. Justin is very knowledgeable in all aspects of the loan process and obtained the lowest possible terms for me. I would definitely recommend him and call on him again for any future mortgage needs. Thanks Justin!

Review 12

Madison Elise G.

Indianapolis, IN, Feb 23, 2026, 4:00 PM

5.0

Justin was great!

Review 13

Jacob S D.

Frankton, IN, Feb 16, 2026, 4:05 PM

5.0

The people at ruoff are all great and very helpful!

Review 7

Brittany B.

Sheridan, IN, May 28, 2026, 3:01 PM

5.0

Thank you!

Review 8

Matthew L A.

INDIANAPOLIS, IN, May 25, 2026, 8:35 PM

5.0

Justin Is the best . Have several clients that have worked with him and always said great things.

Review 9

John A C.

Indianapolis, IN, May 3, 2026, 7:29 PM

5.0

Working with Justin was an exceptional experience from start to finish. He made a genuine effort to be available whenever I had questions, always responding promptly and thoroughly. What stood out most was how he worked around my schedule rather than asking me to adapt to his, and that kind of flexibility made the whole process far less stressful. Throughout every step, Justin kept me informed and never left me wondering what was happening or what came next. His dedication to high-quality service isn't just a phrase; it showed in every interaction. I truly cannot thank him enough.

Review 10

Zachary Daniel H.

Indianapolis, IN, Apr 20, 2026, 5:46 PM

5.0

Justin was a great loan officer and very easy to work with. He made the process smooth and straightforward.

Review 11

Thomas G. G.

Lehigh Acres, FL, Apr 8, 2026, 5:41 PM

5.0

From the start, Justin was upfront about the entire loan process and fees that were involved. He answered all the questions I had regardless of the time of day or if it was the weekend. Justin is very knowledgeable in all aspects of the loan process and obtained the lowest possible terms for me. I would definitely recommend him and call on him again for any future mortgage needs. Thanks Justin!

Review 12

Madison Elise G.

Indianapolis, IN, Feb 23, 2026, 4:00 PM

5.0

Justin was great!

Review 13

Jacob S D.

Frankton, IN, Feb 16, 2026, 4:05 PM

5.0

The people at ruoff are all great and very helpful!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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Justin Jones

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Florida, Indiana, Ohio

Justin Jones

Senior Loan Officer

NMLS: 2002890

OH: MLO-OH.2002890

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

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://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.