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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.

97.65% 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.

97.65% 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 24 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
President's club seal 2024

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

    Scott was an excellent loan officer. He worked diligently to make sure all paperwork was set in order and flowed seamlessly through the process. He was very helpful with all of my questions and he was prompt to respond. Thank you , Scott

    Braylen F.

    Sullivan, IN, March 30th, 2025 03:36 PM

  • Review 2

    Source of Rating Icon

    Fast and efficient

    Carson P S.

    Paris, IL, March 18th, 2025 12:17 PM

  • Review 3

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    Scott made the paper work easy to do. And explained everything If we had questions scott help answers all questions we had He was very kind and very helpful all our questions

    Kelly J F.

    Vincennes, IN, March 25th, 2025 08:19 PM

  • Review 4

    Source of Rating Icon

    The overall attitude of scott and the knowledge made an overwhelming process so easy and enjoyable

    Zack L T.

    Sullivan, IN, March 25th, 2025 01:39 PM

  • Review 5

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    Scott was fantastic . Always a phone call away and made the first time home buyer and went very smoothly

    Taylor M S.

    Paris, IL, March 15th, 2025 03:21 PM

  • Review 6

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    Quick to update us on our house!

    Alex Z H.

    Casey, IL, March 23rd, 2025 03:09 PM

  • Review 7

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    The way everything was handled from the quality of work they did to the speed and efficiency of getting it all complete in a timely manner there was not one thing that I wasn't kept in the loop about great company great job.

    Nora Jo P.

    Vincennes, IN, March 12th, 2025 02:17 AM

  • Review 8

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    Scott was wonderful to work with and had great communication throughout the whole process. He made an overwhelming process a breeze and way faster than I had expected it to be! He was very knowledgeable, I highly HIGHLY recommended Scott!

    Leslie D C.

    Bruceville, IN, March 10th, 2025 10:45 PM

  • Review 9

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    I had a great experience with RuOff. They had great communication. My loan officer was knowledgeable, and patient and always available to answer my loan questions throughout the entire process.

    Bryce M C.

    Robinson, IL, February 25th, 2025 02:53 PM

  • Review 10

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    It was our first time buying a home and Scott went out of his way to help us with everything he could and explained the process in depth so that we wpuld understand it all. He has been great to work with and I would definitely recommend him moving forward.

    Mark W M.

    Bicknell, IN, February 11th, 2025 09:46 AM

  • Review 11

    Source of Rating Icon

    Brianna L.

    February 14th, 2023 05:37 AM

  • Review 12

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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 13

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    Friendly and knowledgeable

    Paula C.

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

See More

Why should you choose Ruoff?

62

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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