Top 5%
Justin Phillips, Ruoff Mortgage
Senior Loan Officer | NMLS# 1067984 | Ruoff Mortga...
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 ... Show More
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9 AM to 5 PM
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closed
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closed
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Reviews from Web
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...
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Justin was an excellent loan officer. Explain things that we had no idea what they were very quickly, he's a very knowledgeable man in his career. I recommend Justin and Ruoff for any home purchases.
Reply from Owner
August 13th, 2026 02:43 PM
Thank you, Teedric, for your kind words and recommendation. I'm glad I could help clarify the process and support you with your home purchase. If you have any more questions in the future, please feel free to reach out.
Justin was an excellent loan officer. Explain things that we had no idea what they were very quickly, he's a very knowledgeable man in his career. I recommend Justin and Ruoff for any home purchases.
Justin Phillips, Ruoff Mortgage has received a review with 5 star rating from Isabelle P
Reply from Owner
August 10th, 2026 06:15 PM
Thank you, Isabelle, for the great rating! I'm pleased to know you had a positive experience.
Justin Phillips was amazing! We were first time homebuyers and he walked us through every single step of the process . We had a million questions and he did not hesitate to answer a single one. Very punctual, honest, and supportive... I'm so...
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Reply from Justin Phillips, Ruoff Mortgage
July 31st, 2026 02:15 PM
Thank you for your kind words! It was truly a pleasure helping you and Blake through your first home purchase. I know it can feel overwhelming at times, so I'm glad I could make the process a little easier and be there to answer your questions...
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Justin Phillips, Ruoff Mortgage has received a review with 5 star rating from Deion M
Reply from Owner
August 6th, 2026 03:58 PM
Deion, thank you for the perfect rating. I'm pleased to know you had a positive experience.
Experience was great.
Reply from Justin Phillips, Ruoff Mortgage
July 27th, 2026 12:58 PM
Thanks, Deion! Great working with you, and best of luck with your move. Cheers!!!
Every experience I had was excellen, great conmunacation and transparency . Couldn't be more satisfied
Reply from Justin Phillips, Ruoff Mortgage
July 24th, 2026 04:16 PM
Blake, appreciate the feedback! Looking forward to hearing about all the cool stuff you do to the house. Keep doing you, man! Many great things ahead of you!
I recently closed on my first home with a huge thanks to Justin at Ruoff here in Muncie. His communication and transparency made the whole process less stressful than I ever imagined it being. It didn't feel like I was just going to a lender...
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Reply from Owner
July 24th, 2026 02:13 PM
Blake, appreciate the feedback! Looking forward to hearing about all the cool stuff you do to the house. Keep doing you, man! Many great things ahead of you!
Justin was very helpful from the very start. He answered all of my questions, always explained what was going on, and helped me understand everything that goes into buying your first home.
Reply from Justin Phillips, Ruoff Mortgage
June 29th, 2026 03:50 PM
Congrats again, Carson!! Glad I was able to assist you with the home purchase! Best of luck with the move in.
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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
VA
USDA
Excellent Customer Service
Conventional, FHA, VA, USDA, IHCDA Programs, Down Payment Assistance, Jumbo
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Positions
- Ruoff Mortgage - Senior Loan Officer Nov 1st, 2020 - Current
Memberships
- Muncie Sports Commission Board Member
- MEIAR
- Board Member Muncie Sports Comission
Addresses and Serving Areas
Primary Serving Area
Year Started
2021
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1067984
Awards
Hobbies
- Fishing
- Golfing
- Strength Training
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Disclaimer
Ruoff Mortgage Company, Inc. is an Equal Housing Lender
Ruoff Mortgage Company, Inc. | NMLS ID #141868
1670 Magnavox Way | Fort Wayne, IN 46804 | Phone (260) 999-6200
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