Justin Phillips, Ruoff Mortgage's Cover Image

Top 5%

Justin Phillips, Ruoff Mortgage

Name: Ruoff Mortgage
Address: 3607 Wheeling Ave, Muncie, Indiana, 47304
Telephone: +1-765-808-2111
Rating: 4.98

Senior Loan Officer | NMLS# 1067984 | Ruoff Mortga...

Ruoff Mortgage - Muncie

4.98

(228)

Mortgage

Mortgage Loan Officer

Contact Info

(765) 808-2111

Muncie, IN

https://www.ruoff.com/JustinPhillips

Location & Business Hours

Business Hours

Mon

9 AM to 5 PM

Tues

9 AM to 5 PM

Wed

9 AM to 5 PM

View All days

Search Reviews

Write a Review

4.98

(228)

Filter by Date

Range

Filter by Rating

Experience.com

4.97

(163)

Google

5.0

(65)

Show All

Reset all filters

Quick communication, effective getting the loan moving, knowledgeable about the process, and helped us overall to improve our credit and get it possible for us to buy a house

Reply from Justin Phillips, Ruoff Mortgage

August 21st, 2026 03:46 PM

Thank you much for the kind words! I truly enjoyed working with you and helping you through the process. Seeing your hard work pay off and helping you improve your credit so that buying a home became possible is exactly why I love what I do....

Justin took great care of us. He was easy to work with and had excellent communication throughout the entire process !

Reply from Justin Phillips, Ruoff Mortgage

August 17th, 2026 02:58 PM

Thank you for the kind words! It was a pleasure working with you and Kyle. I am glad that we were able to make it happen. I truly appreciate your trust and the opportunity to help! Wishing you all the best!

Justin Phillips, Ruoff Mortgage has received a review with 5 star rating from Matthew S

Justin made the process super easy and was such a friendly guy to work with

Reply from Justin Phillips, Ruoff Mortgage

August 17th, 2026 11:59 AM

Thank you much! It was a pleasure working with you, and I’m glad I could make the process easy and enjoyable. I really appreciate your kind words and the opportunity to be part of your home-buying journey! 🏡

Customer sercice was very friendly and personable

Reply from Justin Phillips, Ruoff Mortgage

August 14th, 2026 04:05 PM

Thank you so much for the kind words! I truly appreciate you taking the time to share your experience. I’m glad I was able to make the process friendly and personable for you. It was a pleasure working with you, and I’m grateful for your trust!...

Justin was always available to talk. He was very good at keeping us up to date on what was going on in the loan process. I would recommend him to anyone looking for a mortgage.

Reply from Justin Phillips, Ruoff Mortgage

August 12th, 2026 04:30 PM

Thank you so much for the kind words! It was truly a pleasure helping you through the mortgage process. I know there can be a lot of moving parts, so I always want my clients to feel informed, supported, and confident every step of the way....

Justin Phillips was a pleasure to work with. He was always available at all times of the day. I would recommend him to anyone looking for a mortgage.

Reply from Justin Phillips, Ruoff Mortgage

August 12th, 2026 04:30 PM

Justin Phillips, Ruoff Mortgage has received a review with 5 star rating from Autumn F

Reply from Owner

August 17th, 2026 03:50 PM

Thank you, Autumn, for the 5-star rating. I'm grateful for your support and trust in my services at Ruoff Mortgage.

First time buying a home and Justin made the process very easy and was very helpful throughout the entire proces. If I did not understand something he helped me understand everythin. very good experience!

Reply from Justin Phillips, Ruoff Mortgage

August 6th, 2026 02:27 PM

Thank you! Happy I could help make your first homebuying experience a positive one. It was a pleasure working with you, and I wish you many great memories in your new home. Congratulations!

He was right on it never had to wait on him. He was friendly and charming. I would use him again . i will tell my friends and family about him. One of the best experiences i have had.

Reply from Justin Phillips, Ruoff Mortgage

August 5th, 2026 04:04 PM

Thank you so much for your kind words! It was truly a pleasure working with you. I'm so glad I could make the process easy and be there whenever you needed me. I really appreciate your trust and your willingness to recommend me to your friends...

10 of 228

About

Additional Licenses: NMLS# 1067984. My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase or refinance of a home is a major decision and should be treated as such. I strive to make this process as easy as possible for each of my clients. My focus is always to be honest, trustworthy, and to communicate frequently, all while offering sound and reliable guidance.

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Specialities

FHA

USDA

Excellent Customer Service

Conventional, FHA, VA, USDA, IHCDA Programs, Down Payment Assistance, Jumbo

Search Rank ScoreLearn More →

What is the Search Rank Score®?