I will work hard to help you achieve your homeownership goals.
I will work hard to help you achieve your homeownership goals.
Hey there, I'm Justin Phillips, and I wear the hat of a Senior Loan Officer at Ruoff Mortgage. My game is simplifying the mortgage world for folks like you.
I'm all about excellent customer service - it's my jam. I thrive on making sure your unique needs are met with the utmost care and dedication. Whether you're a first-time homebuyer or looking to refinance, I've got your back.
When I'm not immersed in the mortgage world, I'm all about family. I'm a proud husband and dad to two lively little girls. They're my pride and joy, and we create lasting memories together.
I also love to stay active - you'll often find me working out, hitting the golf course, or out fishing, enjoying the great outdoors.
My work is guided by the principles of transparency, ethics, and always putting your interests first. If you're ready to dive into the mortgage world or need expert guidance on your homeownership journey, just drop me a line. Reach out via email at justin.phillips@ruoff.com, or give me a call at 765-808-2111. I'm here to help you navigate the mortgage landscape with a personal touch and a friendly smile. Let's get started on your path to homeownership!
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!
Justin and his team was very professional and patient with our home buying process and we highly recommend Ruoff Morgage to future home buyers. Thanks again Justin!!
Jason W R.Muncie, IN, December 22nd, 2024 01:09 PM
Great Service!
Christopher S P.Pendleton, IN, December 20th, 2024 12:17 PM
Justin provided excellent insight into how to proceed with the re-financing of our home and debt management. He gave us peace of mind and excellent customer service. We will definitely recommend Justin to anyone who needs these services. Thank you!
MAUREEN E B.Camby, IN, December 17th, 2024 02:16 PM
Justin was excellent in every regard. Great communication and got things done in record time. Would recommend to anyone
Quaid Z.Portland, IN, December 17th, 2024 12:51 PM
Quick response; very organized; professional and knowledgeable
Shanielle B A.Yorktown, IN, November 30th, 2024 04:54 PM
Justin went above & beyond to exceed my expectations of the loan proces. He helped me every step of the way with great communication & transparency! Justin even referred me to the CFPB to get a wrongful collection removed from my credit report, that otherwise had held me back from the home buying process in the past. I cannot say enough great things about Justin and how easy he made the process to become a first time homebuyer. I appreciate Ruoff & the whole team that made this happen!!!
Kendra R.Muncie, IN, November 22nd, 2024 02:44 PM
It was a very overwhelming process that what made very smooth by Justin Phillips our loan officer.
Brian J A.Yorktown, IN, November 30th, 2024 11:19 AM
Justin was a very xplained ts if we were his family, made our problems his problems in order to find the best solution for those problems
Bryce M M.Muncie, IN, November 28th, 2024 02:23 PM
Justin, listen to my needs in getting the house, I'm so happy and excited! My daughter loves the house which makes me happy! Well done .JUSTIN!! You deserve a Gold Star!!
Julie A C.Muncie, IN, November 3rd, 2024 11:39 AM
Justin was very knowledgeable, nice, and professional. I would recommend him to everyone i know!
Misty C.Muncie, IN, September 30th, 2024 11:32 AM
I was very thankful to have Justin helping me through the process. He was able to get me what I wanted I each step of the way.
Wesley S.Muncie, IN, September 9th, 2024 11:10 AM
Justin was extremely helpful.
Samuel B.Winchester, IN, August 30th, 2024 12:53 PM
Justin was excellent and easy to work with!
Kayla K W.Albany, IN, August 29th, 2024 11:42 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.