- About
- Guides
- Reviews
- Calculator
- Contact Me
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 was great to work with. He was on the ball with everything. Keeping us up to date and walking us through things we didn't understand. I would highly recommend him to anyone. He made the experience flawless.
Brian B.Markle, IN, April 18th, 2025 11:50 AM
Justin did a great job getting back to emails and was very helpful and willing to work through any difficulties.
Derek A F.Marion, IN, April 8th, 2025 12:36 PM
Why was it excellent? Because Justin is excellent. Justin is one of those guys that you just want to be around. He's cool and kind and definitely someone that others can look up to. I wish we were friends outside of him being our loan officer! The only knock that I have on Justin is that his profile photo does not include is stellar beard. We've gotta show some respect to the beard and get that photo updated!
Larry M J.Muncie, IN, April 8th, 2025 11:11 AM
Great communication
Sean K.Muncie, IN, April 6th, 2025 06:47 PM
Every time I called or text Justin a question, he knew the answer,no putting me off till the next day. He was awesome to work with.
Billy S.Yorktown, IN, March 31st, 2025 06:37 PM
Justin is a pretty mothereffer and does great job
Sean P. A.Berne, IN, March 25th, 2025 11:03 AM
Was available whenever I needed. communicate very well
Micah M S.Alexandria, IN, March 24th, 2025 05:06 PM
Working with Justin couldn't have been any easier. All of my questions were promptly answered and everything was explained to me in a way that I could understand.
Justin A K.Muncie, IN, March 7th, 2025 11:26 AM
Justin was very knowledgeable and extremely friendly. I felt like he was in my corner through the whole process.
Kristi K M.Muncie, IN, January 24th, 2025 08:04 AM
Was informative and kept up to date on the process and what was needed
ADAM J.Muncie, IN, December 29th, 2024 07:24 AM
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
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
2024
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.