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.
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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
Justin was always available to answer any questions we had and took the time to throughly explain the loan process.
Michael J W.Albany, IN, August 29th, 2024 11:30 AM
I have purchase 4 homes and Justin was the best loan officer by far.
James A D.Fishers, IN, July 29th, 2024 01:24 PM
Justin was very knowledgeable. He communicated promptly and clearly. He worked diligently on our behalf. We were quickly approved and ready to go in record time! Highly recommend Ruoff and Justin!
Robin K D.Fishers, IN, July 28th, 2024 10:29 PM
He had amazing communication, explained things when I had questions, and was very friendly
Taylor D.New Castle, IN, July 22nd, 2024 11:16 PM
Justin was always available to answer my questions and was very easy to get along with.
Christopher L.Hartford City, IN, July 15th, 2024 11:03 AM
Justin was very knowledgeable and was able to answer every question we had. He kept us up to date on where we were in the loan process. He was patient and kind and seamed eager to help us to succeed in our loan.
Brent M.Dunkirk, IN, July 2nd, 2024 10:09 AM
Our loan officer, Justin, was an absolute gem throughout the process of buying our new house. Their expertise, attention to detail, and unwavering support were instrumental in making our home-buying journey smooth and stress-free. From start to finish, Justin went above and beyond, and we couldn't be more grateful for their exceptional service. Highly recommend!
Hannah K.Upland, IN, December 14th, 2023 11:07 AM
I think Justin was very helpful through the entire process. He provided great feedback and was very fast with his replies. He answered all my questions and kept me informed the entire time. I would highly recommend using Ruoff and Justin specifically!
Tori M.Muncie, IN, July 20th, 2023 12:51 PM
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.