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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9 AM to 5 PM
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Reviews from Web
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 Justin Phillips, Ruoff Mortgage
February 6th, 2026 03:15 PM
Thanks, Andrew! Hope the move is going well. Keep in touch!
Justin Phillips, Ruoff Mortgage has received a review with 5 star rating from Joseph D
Reply from Owner
February 6th, 2026 03:16 PM
Always a pleasure, Joe! Great catching up with the both of you. Looking forward to hearing about the family in the future. Good luck with the move in!!
Justin made himself extremely available to us, responding very promptly at every step. He was extremely knowledgeable on the process, and made us feel very comfortable in what is usually a stressful situatio. 10/10 recommen.
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Reply from Justin Phillips, Ruoff Mortgage
February 6th, 2026 03:16 PM
Always a pleasure, Joe! Great catching up with the both of you. Looking forward to hearing about the family in the future. Good luck with the move in!!
Justin was exemplary. He was always available for any questions we had & was very skilled in communication as well as explaining the ins and outs of the process . Highly Highly recommend!
Reply from Owner
February 9th, 2026 08:43 PM
Thank you for your kind words, Jake. I’m glad to hear that my approach to communication and transparency was beneficial during your experience. Being available to address questions and offer clear explanations is something I strive for with...
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Justin was exemplary. He was always available for any questions we had & was very skilled in communication as well as explaining the ins and outs of the process . Highly Highly recommend!
Reply from Justin Phillips, Ruoff Mortgage
January 27th, 2026 06:18 PM
Thanks for the kind words! Looking forward to hearing from you in the future. Good luck with the move in!
We are first time home buyers and Justin made the process so smooth. He was knowledgeable, friendly, quick to communicate, and honest. He helped us with any and every question we had along the way, whether in person or over the phone. He was...
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Reply from Owner
February 6th, 2026 06:32 PM
I'm really pleased to hear that your first home buying experience went smoothly, Cami. Being knowledgeable, communicative, and honest is how I approach every transaction, and it’s great to know that it made a difference for you. Supporting...
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We are first time home buyers and Justin made the process so smooth. He was knowledgeable, friendly, quick to communicate, and honest. He helped us with any and every question we had along the way, whether in person or over the phone. He was...
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Reply from Justin Phillips, Ruoff Mortgage
January 26th, 2026 07:00 PM
Thanks for the kind words, Cameron! Looking forward to hearing from the both of you. Congrats to new beginnings!!
Thorough work and communication! I would recommend him to anyone seeking mortgage options.
Reply from Owner
February 2nd, 2026 08:16 PM
Joshua, I'm glad to know that you appreciated my thoroughness and communication. It's important to me that clients feel well-informed when exploring mortgage options. Your recommendation is genuinely appreciated. If there's anything more I...
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Justin did a great job explaining everything throughout the entire process.
Reply from Justin Phillips, Ruoff Mortgage
January 20th, 2026 09:25 PM
Thanks Josh! It was a pleasure assisting you with your mortgage. Looking forward to hearing from you in the future.
Justin Phillips, Ruoff Mortgage has received a review with 5 star rating from Jake C
Reply from Owner
January 16th, 2026 06:42 PM
I appreciate the positive rating, Jake. If there's anything else I can help with in the future, please feel free to reach out.
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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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