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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.

97.80% 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.

97.80% 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

  • Review 1

    Source of Rating Icon

    As a first time home buyer scott was able to keep me up to date on everything I needed and didn't let my terrible work schedule cause me to fall behind

    William C K.

    Dugger, IN, December 23rd, 2024 02:08 PM

  • Review 2

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    Scott always answered any questions that I ever came across during the home buying process (even after hours). He helped explain things until I understood them , so I always felt like I was on the same page and knew what needed to be done.

    Natalie E L.

    Bridgeport, IL, December 23rd, 2024 02:06 PM

  • Review 3

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    Quick and helpful

    Daniel B.

    Robinson, IL, December 21st, 2024 11:09 AM

  • Review 4

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    Scot worked ver hard to get financing for my home. He was available anytime to answer my questions and very patient with all my question.

    Rhonda J W.

    Robinson, IL, December 28th, 2024 03:43 AM

  • Review 5

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    Friendly and knowledgeable

    Paula C.

    Bridgeport, IL, December 26th, 2024 08:12 PM

  • Review 6

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    Scott was always prompt and straightforward

    Brittany A A.

    Robinson, IL, December 26th, 2024 03:00 PM

  • Review 7

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    Scott was very knowledgeable and helpful throughout the entire process. This was my first mortgage and he answered all of my questions and concerns almost immediately after I emailed or texted him. I will continue to recommend him and Ruoff to anyone looking to get a mortgage.

    Lincoln B M.

    Sullivan, IN, December 17th, 2024 12:57 PM

  • Review 8

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    Scott was very helpful and patient through the entire process. Everything was quick and easy.

    Peyton R. A.

    Carlisle, IN, November 28th, 2024 03:50 PM

  • Review 9

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    Scott was amazing to work with!

    Chris H.

    Sullivan, IN, November 26th, 2024 11:01 PM

  • Review 10

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    Scott was avalable morning noon or night to answer our questions. He was knowledgeable and assured us every step of the way. When our loan didn't close on time (no fault of his), there was transparency and a constant update.

    Morgan R H.

    Sullivan, IN, November 25th, 2024 11:56 AM

  • Review 11

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    Scott was extremely helpful throughout this whole process! We missed our initial closing date due to a couple of issues, but Scott was there and reassured us that we would get to the closing table every step of the way. He always responded quickly to any questions I had. I can't thank him and his team enough!

    Justin M.

    Robinson, IL, November 15th, 2024 01:17 PM

  • Review 12

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    Kept us in the loop at all times

    John W K.

    Palestine, IL, November 4th, 2024 11:12 AM

  • Review 13

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    Scott went above and beyond! It was a long process due to some credit issues, but he stuck with us!!! We couldn't of asked for a better experience!!!!

    Rachell D K.

    Palestine, IL, October 31st, 2024 12:25 PM

See More

Why should you choose Ruoff?

66

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

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

41

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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