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Scott Phegley, Ruoff Mortgage
Senior Loan Officer | NMLS# 610874 | Ruoff Mortgag...

Additional Licenses: NMLS# 610874.
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 sh... Show More
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Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Scott was quick to answer any questions I had, walked me through any issues or hold ups, and made sure to get back to me within the hour if he wasn't able to answer my call. 10/1
Reply from Scott Phegley, Ruoff Mortgage
April 2nd, 2026 04:38 PM
Thank you, Christopher, for sharing your experience. I'm pleased that my approach helped you navigate any issues and that I was able to respond promptly to your questions. If there's anything more I can do to assist you in the future, feel...
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Scott and Tom were always accessible to us and were determined to get us through the process with no headache on our end. We were first time home buyers and appreciated the guidance Scott gave us through this process. So happy we decided to...
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Reply from Owner
April 2nd, 2026 04:38 PM
I'm truly pleased that the process felt headache-free for you, Justin. Guiding first-time home buyers like yourself is something I take pride in, and I'm glad to know my support was helpful. If there's anything more you need or questions you...
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Scott and Tom were always accessible to us and we're determined to get us through the process with no headache on our end. So happy we decided to use Ruoff.
Reply from Scott Phegley
March 31st, 2026 06:09 PM
It's great to hear that the process went smoothly for you, Justin. Being accessible and making the experience as stress-free as possible are important to me. I'm glad that choosing Ruoff was a positive decision for you. If you have any further...
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Scott was really easy to work with and communicate with. This Was my first home loan so didn't really know much so he took his time with us and walked us through a lot of it. Overall he was awesome to work with and so happy he got us our forever...
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Reply from Scott Phegley, Ruoff Mortgage
March 31st, 2026 06:07 PM
I'm pleased to hear you found the process easy, Charles. Guiding you through your first home loan and ensuring you felt supported was important to me. I'm delighted that I could help you find your forever home. If you have any more questions...
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Scott was very professional, he answered any questions I had quickly but also with a clear explanation. I highly reccomend him and his team for any future homeowners, especially if they're a first time homeowner.
Reply from Owner
March 31st, 2026 06:04 PM
I appreciate your kind words, Selena. Providing clear and prompt answers is a fundamental part of my approach, and I'm thankful for the opportunity to assist you. Your recommendation means a lot to me, especially knowing it can support future...
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Scott was very professional, he answered any questions I had quickly but also with a clear explanation. I highly reccomend him and his team for any future homeowners, especially if they're a first time homeowner.
Reply from Scott Phegley, Ruoff Mortgage
March 31st, 2026 06:04 PM
I appreciate your kind words, Selena. I'm pleased to hear that you found my approach professional and the explanations clear. Your recommendation means a lot to me, especially as it helps future homeowners feel confident in making important...
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Scott was very helpful in everything even getting us to close on time!
Reply from Scott Phegley, Ruoff Mortgage
March 17th, 2026 05:08 PM
Tammy, I'm pleased to hear that the closing process went smoothly and on schedule for you. Providing assistance every step of the way is a key focus, and I'm glad to know it was helpful. If you ever have more questions or need further support,...
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Scott was so helpful and made sure that we had a good understanding in regards to the entire process. Amzing communication, knowledgeable, and easy to work with as well as learn from. Couldn't recommend Scott enough!
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Reply from Scott Phegley
March 17th, 2026 05:08 PM
I'm really pleased to hear that you found the communication clear and the process easy to understand, Brock. It's important to me that my clients feel informed every step of the way. If you ever have any questions or need further assistance,...
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Communication.
Reply from Scott Phegley, Ruoff Mortgage
March 13th, 2026 04:32 PM
Tiffany, I appreciate your concise feedback on the communication aspect of your experience. It's crucial to me that communication remains clear and effective throughout the process. Feel free to reach out anytime.
Scott, Emily, and Tom were all friendly and great to work with. They were always quick to answer any questions I had and worked with my schedule, which was very appreciated
Reply from Scott Phegley, Ruoff Mortgage
March 10th, 2026 06:10 PM
Melissa, I'm grateful for your kind words. It’s great to know that you found the process friendly and accommodating. I'm always here to answer any questions you may have in the future, so don't hesitate to reach out.
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About
Additional Licenses: NMLS# 610874.
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
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Medical Professional Mortgages
Fixed Rate Mortgages
USDA Loans
Specialities
FHA
VA
USDA
Conventional Loans
First Time Buyer
Manufactured Home Financing
Down Payment Assistance
Refinance
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1999
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 610874
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+5
Achievements
- 2023 Scotsman Guide Top Loan Officer
- 2023 Southern Indiana Loan Officer for most loans closed
- 2024 Southern Indiana Loan Officer for most loans closed
Hobbies
- Auctioneer. Primarily Benefit Auctions
- Hunting and Fishing
- I enjoy spending time with family, friends, and motorcycle rides.
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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