Scott W. Miller, Senior Loan Officer NMLS #419095

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Scott W. Miller, Senior Loan Officer NMLS #419095 Scott W. I combine deep industry knowledge with personalized service to ensure you make confident, informed decisions every step of the way.

Miller | Sr Loan Officer NMLS #419095 | Ruoff Mortgage NMLS #141868 | Equal Housing Lender | Licensed in Indiana 20+ yrs | Purchase, existing/new build, first-time/repeat home buyers, refi & reno | FHA, VA, USDA, & Conventional Financing. Scott Miller, Senior Loan Officer NMLS419095
Licensed in Indiana | Serving the Mortgage Industry Since 2002

With over two decades of experience, I bring expertise, dedication, and a results-driven approach to every mortgage transaction. Since joining Ruoff Mortgage in January 2017, I have proudly been a part of a company with a 40-year legacy of guiding homebuyers and homeowners with unwavering commitment and care. Throughout my tenure, I’ve achieved numerous professional milestones, including:

• Ruoff Mortgage President’s Club Honoree – 8 consecutive years
• Ranked in Scotsman Guide Top Originators – 10 years

Specialties:
I provide tailored solutions for a wide range of home financing needs, including:

• Purchase and Refinance Loans
• Down Payment Assistance Programs
• First-Time and Repeat Homebuyers
• Conventional, FHA, VA (Military), USDA-Rural Financing
• Jumbo and Investment Property Loans
• New Construction and Rehab Loans

My Promise to You:
Whether you’re buying your first home, upgrading, downsizing, or refinancing, my goal is to simplify the process and provide a seamless, stress-free experience. Let’s make your homeownership dreams a reality. Contact me today at (317) 840-1877 to get started! Ruoff Mortgage Company, Inc., d/b/a Ruoff Mortgage, is an Indiana corporation
Equal Housing Lender. NMLS #141868
For complete licensing information visit http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868

Saving for a down payment doesn’t have to feel overwhelming 💡. The key is knowing how much you’ll need and creating a pl...
10/08/2026

Saving for a down payment doesn’t have to feel overwhelming 💡. The key is knowing how much you’ll need and creating a plan that fits your lifestyle. I can help you understand the numbers—like how much to save and which loan programs might lower that goal. Let’s map out a strategy so you can reach your homeownership dreams faster 🏡✨. Send me a message and we’ll build your savings roadmap together!

🏡 What’s Up with Real Estate? 📊📉 The Bond Market Is Under Pressure, and Mortgage Rates Are Climbing!The bond market sell...
10/05/2026

🏡 What’s Up with Real Estate? 📊

📉 The Bond Market Is Under Pressure, and Mortgage Rates Are Climbing!

The bond market selloff continues, with the 10-year U.S. Treasury yield climbing above 5.25% and the average 30-year fixed mortgage rate jumping to 7.28%—its highest level in nearly three years. Geopolitical tensions, rising energy costs, and persistent inflation concerns are adding pressure to the market.

📊 A Little Good News on Inflation!

The latest Personal Consumption Expenditures (PCE) data showed that inflation figures were revised lower following a methodology change by the Bureau of Economic Analysis. While inflation remains elevated, the revised numbers offer a bit of encouraging news.

🏡 What Does This Mean for Homebuyers and Homeowners?

Higher mortgage rates can impact purchasing power, monthly payments, and affordability. However, real estate opportunities are still out there, and the right strategy can make all the difference.

Whether you're thinking about buying your first home, moving up, refinancing, or simply exploring your options, understanding the market is the first step.

📲 Have questions about what today's market means for you? I'm just a text, email, or a call away. Let's talk about your options!

Scott Miller | The Mortgage Man
Senior Loan Officer | Ruoff Mortgage
📞 (317) 840-1877
🌐 www.ruoff.com/scott.miller

National news and local views for the week

🏡 Getting Ready to Sell? Start with the Little Things! 🔑Thinking about selling your home? You don't always need a major ...
10/01/2026

🏡 Getting Ready to Sell? Start with the Little Things! 🔑

Thinking about selling your home? You don't always need a major makeover to make a great first impression!

✨ A few simple updates can go a long way:

🧹 Declutter & Clean: Make your home feel fresh, clean, and inviting.
🌷 Boost Curb Appeal: Tidy up the landscaping and add a little color.
💡 Brighten Things Up: Open the curtains and let the natural light shine!
🔨 Tackle Small Repairs: Fix those little things you've been putting off.

Remember, sometimes it's the little details that make a big difference!

🏡 Planning to sell and buy your next home? Let's make sure you're financially prepared for your next chapter. Whether you're purchasing, refinancing, or simply exploring your options, I'm here to help!

📲 Give me a call, text, or email. I'm just a conversation away!
(317)840-1877
Scott W. Miller, Senior Loan Officer NMLS #419095
Ruoff Mortgage | Team Miller

4.87 star review received on Experience.com for Scott Miller by Amy B - It was our loan officer Scott that made the expe...
09/08/2026

4.87 star review received on Experience.com for Scott Miller by Amy B - It was our loan officer Scott that made the experience Excellent. We reached out to him 2 years ago and it just wasn't the right time for us. When the time was right he was ready to help. His communication is top notch, everything was explained clearly and if we had questions about anything during the entire house buying process he was there for us.

Read more: https://experience.com/reviews/scott-miller-279500/b2bb6602-eabf-4f8f-9179-c1eacc67ab33?V=1788910314&utm_source=facebook&utm_medium=autopost&utm_content=13601460

Address

8355 Rockville Road, Suite 200
Indianapolis, IN
46234

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