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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.

98.19% 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.

98.19% 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.

Refinance

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*

  • 5.0
    Rating source icon

    Scott was very knowledgeable knew exactly what we needed to get he made the process easy and very fast he was a pleasure to work with highly recommend anyone looking for a mortgage to get a hold of Scott

    Ryan J V.

    Patoka, IN, July 1st, 2024 11:06 AM

  • 5.0
    Rating source icon

    Everything! Scott was so helpful through this whole process and made a very intimidating thing like buying a house for the first time a breeze! I recommend Scott and Ruoff to everyone looking to buy a house! Thank you!

    Ryan B.

    Robinson, IL, June 3rd, 2024 01:45 PM

  • 5.0
    Rating source icon

    Communication with Ruoff was good and always in a timely manner. They were very helpful with guidance throughout the whole process.

    Richard M A.

    Robinson, IL, May 31st, 2024 10:31 PM

  • 5.0
    Rating source icon

    Scott answered all of our questions quickly and professionally and the ability to do so many things electronically and digitally via technology was extremely helpful.

    Tona L A.

    Robinson, IL, May 31st, 2024 12:22 PM

  • 5.0
    Rating source icon

    I had never been through this process before. I informed Scott of this in our first conversation. He is so personable and approachable with questions. Always had no issue further explaining thing that maybe most people would have understood in terms I understood. Always kept me up to date on what steps to expect next. Anytime I needed help in considering a home he sent me a breakdown the same day or next morning. And quickly got me into a loan that worked better for me on location as well. Worked closely with my realtor and gave me wonderful recommendations when I asked. I was recommended by a friend who went through Scott, and I would and have recommended him anytime.

    Holly M G.

    W Terre Haute, IN, May 30th, 2024 11:05 AM

  • 5.0
    Rating source icon

    It was a great experience all around. Everything was handled perfectly and any questions of help I needed, they were there almost instantly every step of the way. I could not have gone through this process without the tremendous amount of help and knowledge that they provided!

    Cole Charles S.

    Paris, IL, May 27th, 2024 01:07 PM

  • 5.0
    Rating source icon

    They were professional, fast, and informative!

    Nakole N.

    Rockville, IN, May 28th, 2024 05:55 PM

  • 5.0
    Rating source icon

    I told him what I was wanting to do and he made it happen.

    Bradly D D.

    Vincennes, IN, May 19th, 2024 11:13 AM

  • 5.0
    Rating source icon

    Scott was excellent to assist with any questions or concerns and replied efficiently..very nice down to earth guy🙂

    Melissa L M.

    Sullivan, IN, May 9th, 2024 11:33 AM

  • 5.0
    Rating source icon

    Scott was always available for any questions, he kept me informed during the entire process and I could not be more pleased with how smooth and quick the entire process was.

    Richard L. C.

    Marshall, IL, May 9th, 2024 11:02 AM

  • 5.0
    Rating source icon

    Scott went above and beyond to make sure that we knew exactly what we needed to do at every step of the way. There was never any doubt on our end about where we were in the process and it really made purchasing our home way easier and less intimidating than we ever could have imagined.

    Harley E.

    Terre Haute, IN, April 8th, 2024 07:15 PM

  • 5.0
    Rating source icon

    Was very patient with me even though I had a lot of repetitive questions about everything. Help teach me everything about buying a house. Did it without a realtor even though I was a first time buyer and didn't know what to expect I was well informed about the whole process. Scott did an amazing job and I'm grateful for him and his knowledge. Thank you

    Mark A B.

    Bicknell, IN, April 13th, 2024 11:17 AM

  • 5.0
    Rating source icon

    Scott was attentive and extremely quick to answer any and all questions.

    Robert A.

    Lawrenceville, IL, May 4th, 2024 07:49 AM

See More

Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

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

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.

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I would love to hear from you!

Call me at 812.239.5566 or message me below!

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