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 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.
2022
2023
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!
This is our first home, so we had a ton of questions about the home buying process. Scott was great at explaining each step and answering all of our questions.
Cody D.Oblong, IL, October 16th, 2024 07:33 AM
Great communication and very knowledgeable. We didn't use a realtor and Scott helped with understanding all steps needed. Very good experience in a difficult
Benjamin K.ROBINSON, IL, October 13th, 2024 03:07 PM
Mortgage guy was extremely helpful in explaining every step thru refinance
Lisa N J.Vincennes, IN, October 13th, 2024 10:01 PM
Scott was absolutely wonderful to work with. This was our first experience with building a house and we had no idea what we needed to do. He walked us through every single step and broke things down for me so I could understand it. I would highly recommend Scott to anyone. I can’t say enough good things about our experience.
Byron Thomas B.Trafalgar, IN, October 14th, 2024 06:47 AM
The whole process was simple
Grant L.SULLIVAN, IN, October 15th, 2024 05:32 PM
Scott when above and beyond to make sure all of my questions were answered, if he didn’t know the answer he was right on finding one out! I could not be happier with who we chose to get a mortgage through. I will 100% be recommending Scott and his team to anyone in the market of buying a house!
Shawna L W.Palestine, IL, September 30th, 2024 09:10 PM
It was an easy experience an any question I had was answered with an ease the staff was super nice an super helpful throughout the buying experience from the start of filling out for the loan till the day we signed closing paperwork
Levi W.Carbon, IN, September 28th, 2024 11:29 AM
Everything went smoothly and anything I was confused about was explained quickly and to a degree I understood my initial confusion. The only hiccups came from other companies and Ruoff (and Scott and Chelsea) did an excellent job communicating those issues to me and trying to get them sorted out. As a night shifter this was especially helpful since my time was limited in being able to contact these other companies.
Jennifer L S.Robinson, IL, September 24th, 2024 07:07 AM
My wife and I recently had the pleasure of working with Scott Phegley and Chelsea Lentes at Ruoff Mortgage Company, and we couldn't be more thrilled with the experience. From start to finish, they made the entire mortgage process seamless, stress-free, and even enjoyable. Scott and Chelsea are an outstanding team, with exceptional communication skills and an unwavering dedication to their clients. They were always available to answer our questions, no matter how big or small, and ensured we were well-informed throughout each step of the mortgage process. Their expertise and professionalism were evident, but what truly set them apart was their genuine care and commitment to our best interests. Scott's and Chelsea's knowledge of the mortgage industry is unparalleled, and he expertly guided us through the VA Home Loan process. Both were constant professionals with friendly demeanor made us feel at ease. The level of service we received from Scott and Chelsea went above and beyond our expectations. They not only helped us secure a fantastic mortgage rate but also took the time to understand our goals and concerns, offering personalized advice and solutions tailored to our needs. We wholeheartedly recommend Scott Phegley and Chelsea Lentes at Ruoff Mortgage Company to anyone seeking a top-notch mortgage experience. Their professionalism, expertise, and genuine care for their clients are truly exceptional. We are grateful for their guidance and support and feel confident that we made the best possible choice in partnering with them for our mortgage needs. Sincerely, Nathan Rogers
Nathan Allen R.Robinson, IL, September 23rd, 2024 11:13 AM
Very easy process, Scott was easy to work with and did an excellent job. Great communication.
William A E.Farmersburg, IN, September 9th, 2024 11:18 AM
Scott is very helpful and extremely knowledgeable! He was quick to respond and answered all our questions judgement free! Our mortgage process was fast and easy with Scott’s assistance!
Ashlyn D H.Shelburn, IN, August 19th, 2024 11:00 PM
I recommend Scott! He was excellent
Kenton T W.Sullivan, IN, September 7th, 2024 03:11 PM
I was just very satisfied with the overall process. Scott always kept me informed and asked if I had any questions. The process was very painless and I had experience especially compared to the last home I bought. I will definitely be using Scott and Ruoff Mortgage for when it's time to buy our forever home.
Justin M B.Vincennes, IN, August 20th, 2024 09:48 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 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:
**
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.