Scott W. Miller, Senior Loan Officer NMLS #419095

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United States
Indianapolis, IN
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 expert

ise, 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

12/01/2025

Last week, hopes were fading for a December rate cut. This week, a benign PPI reading (wholesale inflation), larger weekly job losses reported by ADP, and dovish comments from senior Fed speakers put a rate cut back in play.

National news and local views for the week

11/23/2025

5.0 star review received on Experience.com for Scott Miller by Candice E K - Scott Miller and the rest of the Ruoff Mortgage team were wonderful through the entire home buying process. Scott was very helpful and communicative, explaining every step and making sure I fully understood and felt comfortable. He was quick in responding to texts and emails and was always happy to call me if i had questions. I would highly recommend using him and Ruoff Mortgage!

Click to see all 185 reviews of Scott Miller, Ruoff Mortgage, Senior Loan Officer | NMLS # 419095 | Ruoff Mortgage NMLS # 141868

11/19/2025

📈 Good news for the housing market!

The National Association of Realtors is forecasting a 14% jump in home sales in 2026, signaling a long-awaited rebound in buyer activity and transaction volume.

If you’ve been thinking about making a move—or preparing for homeownership—now’s the time to start planning. A shifting market can open new opportunities, and I’m here to help you navigate what’s ahead.

👉 Read more from NAR:

The expected rebound reflects easing mortgage rates, continued job gains, and improving market stability after several challenging years.

11/17/2025

The market can feel a little confusing, but that’s exactly why I’m here to help make sense of it all. 🏡 From rates to loan options to planning your next move, I’ll guide you through each step with clarity and confidence. Whether you’re ready to get preapproved or just starting to explore your options, I’ve got answers. Ready to take the first step?

Let’s connect! ✨

Scott Miller, Senior Mortgage Loan Officer
NMLS #419095
Email: [email protected]
Cell: (317)840-1877

11/08/2025

5.0 star review received on Experience.com for Scott Miller by Katelyn F - Great experience

Click to see all 184 reviews of Scott Miller, Ruoff Mortgage, Senior Loan Officer | NMLS # 419095 | Ruoff Mortgage NMLS # 141868

11/04/2025

5.0 star review received on Experience.com for Scott Miller by Kenneth L L - I can't say enough good things about Scott. I literally paid a slightly higher rate to go with him over my local credit union. He's quick and knowledgeable without being condescending. I have used him several times and will not call anyone else with any mortgage finance needs.

Click to see all 182 reviews of Scott Miller, Ruoff Mortgage, Senior Loan Officer | NMLS # 419095 | Ruoff Mortgage NMLS # 141868

10/27/2025

5.0 star review received on Experience.com for Scott Miller by Della J A - Very professional, knowledgable and very friendly.
Have already referred someone to Scott Miller. Scott was on top of his game the whole time.

Click to see all 180 reviews of Scott Miller, Ruoff Mortgage, Senior Loan Officer | NMLS # 419095 | Ruoff Mortgage NMLS # 141868

10/17/2025

5.0 star review received on Experience.com for Scott Miller by Rachel L M - My loan officer explained terms and finances in a way I could easily understand, and he answered questions as many times as needed when I needed clarity.

Click to see all 179 reviews of Scott Miller, Ruoff Mortgage, Senior Loan Officer | NMLS # 419095 | Ruoff Mortgage NMLS # 141868

08/25/2025

Will Jerome Powell's Jackson Hole speech pour water on growing expectations of multiple Fed rate cuts? Buyers (and builders) would really benefit from a bit of rate relief.

I'm just a text, email, or a call away for more information!

Scott W. Miller | Sr Loan Officer NMLS #419095 | Ruoff Mortgage NMLS #141868 | Equal Housing Lender
📞 Call/Text: (317) 840-1877
📧 Email: [email protected]
🌐 www.ruoff.com/scott.miller

National news and local views for the week

08/15/2025

5.0 star review received on Experience.com for Scott Miller by Elizabeth J M - right on top of everything kept me informed friendly courteous professional you guys are just the best

Click to see all 178 reviews of Scott Miller, Ruoff Mortgage, Senior Loan Officer | NMLS # 419095 | Ruoff Mortgage NMLS # 141868

08/13/2025

4.75 star review received on Experience.com for Scott Miller by Esther T - I had a situation with my bank statmenet, Scott try all the way to make my closing easy, thank you Mr. Scott Miller Great job

Click to see all 176 reviews of Scott Miller, Ruoff Mortgage, Senior Loan Officer | NMLS # 419095 | Ruoff Mortgage NMLS # 141868

08/11/2025

4.68 star review received on Experience.com for Scott Miller by Thomas L B - excellent communication

Click to see all 175 reviews of Scott Miller, Ruoff Mortgage, Senior Loan Officer | NMLS # 419095 | Ruoff Mortgage NMLS # 141868

Address

8355 Rockville Road, Suite 200
Indianapolis, IN
46234

Website

https://www.nmlsconsumeraccess.org/, https://ruoff.com/privacy-policy, https://www.ruoff.com/scottmiller, https://apply.

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Scott Miller

Prior to the Mortgage lending industry I worked for 15 years in the Travel Industry as an Operations Manager with Budget Rent A Car where my primary responsibility was to ensure a high level of efficiency in sales, while delivering the best in customer service. Now, after 16 years in the Mortgage lending industry and fortunate to say that I have been able to assist over 1,900 clients with a new home purchase or refinance, I am here to assist you next! As your Senior Loan Officer with Ruoff Home Mortgage I able to offer the greatest opportunity in loan products, experience and top notch customer service. As your Mortgage Loan Officer I'm committed to providing comprehensive mortgage solutions with a high degree of trust, knowledge, respect and convenience. Whether you are purchasing your first home, second home, investment or refinancing the home you already have, I am eager to provide direction and service.

My promise to my clients:

1. Listen and show that I am interested in helping

2. Explain what to expect, the when's and the how's

3. Communicate to your understanding

4. Respond within agreed upon timeframes

5. Do what I say I will do

6. Make sure the people I work with have the tools and resources to get the job done

Areas of Expertise

· FHA, VA, Conventional, USDA and Indiana Housing (FHA & Conventional)

· First-time Home buyers

· Repeat-home buyers

· New Build and Renovation

· Investment and Second Homes

· Refinance–Benefit to Borrower Analysis-Streamline-Rate & Term-Cash out