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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Communication
Reply from Justin Phillips
May 4th, 2026 06:09 PM
Branson, I'm glad to hear you found the communication effective. Thank you for sharing your positive experience with Ruoff Mortgage.
Friendly, professional, and great communication!
Highly recommend Justin Phillips with Ruoff Mortgage!
Reply from Owner
April 17th, 2026 02:33 PM
Mae, I appreciate your kind words and recommendation. It was great working with you, and I'm happy to have been able to assist with your mortgage needs.
Justin was FANTASTIC! This ended up being a very sped up/slowed down closing if that makes sense and he was great to keep with the right pace.
Reply from Justin Phillips, Ruoff Mortgage
April 6th, 2026 03:47 PM
Thanks for the kind words, Mae! It was a pleasure working with you and Ashton. Looking forward to hearing what you do with the place. :)
Justin has helped us buy 2 homes now and both times, he was incredible. He understood our needs, answered any/all questions, was always available by phone, email or text and made sure everything was taken care of from the initial application...
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Reply from Owner
April 6th, 2026 03:46 PM
Thank you for the kind words, Kerri. It was a pleasure working with you again. Hope that the move is smooth. Enjoy your time with your family up there, excited for you. :)
I have many options of lenders for my clients, but why change when Justin is the absolute best! I have a high degree of expectations, and he exceeds them!
Reply from Owner
April 6th, 2026 03:38 PM
Thank you for that, Jennifer. Really appreciate the kind words. As always, looking forward to working with you on the next one!
Top notch communication and very responsive
Reply from Justin Phillips, Ruoff Mortgage
March 31st, 2026 03:12 PM
Thanks, Kerri! Glad that we were able to get it done for you! Great catching up with you and working with you and Jack again. Enjoy your time with your family! :)
Justin made the whole process very painless. I would refer Justin to any family member and Friend. It was great working with someone who took care of us and answered all of our questions in a very timely manner. It didn't matter what time of...
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Reply from Justin Phillips, Ruoff Mortgage
March 25th, 2026 07:55 PM
Thank you, Sir!! Glad I could assist you and Ashley. Pleasure working with the both of you. Best of luck with the move!
Justin Phillips, Ruoff Mortgage has received a review with 5 star rating from Melissa M
Reply from Owner
April 6th, 2026 01:45 PM
I appreciate the positive rating, Melissa. Thank you for your support.
The process of applying for a loan and how easy it was to communicate with Justin.
Reply from Justin Phillips, Ruoff Mortgage
March 25th, 2026 07:54 PM
Thanks, Melissa! Hope the move in and renovations go well.
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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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