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Justin Phillips, Ruoff Mortgage

Name: Ruoff Mortgage
Address: 3607 Wheeling Ave, Muncie, Indiana, 47304
Telephone: +1-765-808-2111
Rating: 4.97

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

Ruoff Mortgage - Muncie

4.97

(239)

Mortgage

Mortgage Loan Officer

Contact Info

(765) 808-2111

Muncie, IN

https://www.ruoff.com/JustinPhillips

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Business Hours

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closed

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9 AM to 5 PM

Tues

9 AM to 5 PM

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4.97

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Justin Phillips, Ruoff Mortgage has received a review with 5 star rating from Ashley D

Reply from Owner

April 3rd, 2026 05:29 PM

I appreciate your 5-star rating, Ashley. Thank you for your support. If there's anything more you wish to discuss, feel free to reach out.

Communication

Reply from Justin Phillips, Ruoff Mortgage

March 23rd, 2026 03:42 PM

Thanks Ashley! Hope the move went smooth, and everyone is settle. :)

Justin Phillips, Ruoff Mortgage has received a review with 5 star rating from Maddie C

Reply from Owner

March 30th, 2026 02:23 PM

I appreciate your rating, Maddie. Thank you for your support.

Available for all questions 24/7, really worked to make us comfortable and ensured the process was smoother and easy

Reply from Justin Phillips, Ruoff Mortgage

March 17th, 2026 04:07 PM

Thanks Maddi! Best of luck with the move, the sale of the home, and transitioning to big city life! :)

Justin was very helpful in our home buying process. He answered any questions we had regardless of day or time. He was very good about keeping us up to date on the status of our loan and was able to explain any aspect of the process that we...

Reply from Owner

March 30th, 2026 01:12 PM

I'm pleased to know that I could assist you effectively during your home buying journey, Joshua. Keeping clients well-informed and being available to answer questions at any time are aspects I prioritize greatly. It's important to me that every...

Justin was very attentive and helpful throughout our home buying process. He answered any questions we had regardless of the day or time. He was also very good about keeping us informed concerning the status of our loan and was able to explain...

Reply from Justin Phillips, Ruoff Mortgage

March 17th, 2026 03:16 PM

Thanks, Josh! Best of luck to you and Maddi! Moving to the BIG city, exciting stuff! :)

Justin was very on the ball through the whole experience, answered every question that we had and was very responsive and helped us get our loan details settled quickly. I feel like he had our best interest in mind which made the loan process...

Reply from Justin Phillips, Ruoff Mortgage

March 16th, 2026 01:00 PM

Thanks for the kind words, Ashton! Best of luck with the move!

Justin was great. He was helpful and knowledgeable and quick to answer any questions we had. He made to whole process as easy as possible. And helped us to feel comfortable from start to finish. I would definitely recommend Justin and his level...

Reply from Justin Phillips, Ruoff Mortgage

March 16th, 2026 01:03 PM

Thanks for the kind words, Victoria. Glad that we were able to get you to the finish line. Looking forward to hearing from you in the future. Best of luck with the move!

We have tried multiple time to finance our modular home. Justin Phillips was the one only who showed interest and was able to get the job done. Thank you , Justin

Reply from Justin Phillips, Ruoff Mortgage

February 12th, 2026 05:35 PM

Thanks Justin! Looking forward to hearing about the projects taking place on the house.

Justin was great to work with. He responded quickly and kept us up-to-date on everything that was going on in the loan process.

Reply from Owner

February 23rd, 2026 10:32 AM

I'm glad to hear that you had a positive experience working with me, Matata. Keeping clients informed and responding promptly are key parts of my approach, and I'm pleased I could support you effectively during the loan process. If there's...

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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

USDA

Excellent Customer Service

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

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