When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Doug Carroll | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Paul K.

Fort Wayne, IN, Aug 5, 2026, 3:07 PM

Very fast, and attentive service from both Doug, and Lorissa.

Angela S.

Fort Wayne, IN, Jul 22, 2026, 5:17 PM

Overall excellent, fast and efficient.

Caleb A E.

Fort Wayne, IN, Jul 12, 2026, 5:50 AM

Everyone was very kind and helpful. They were also quick to respond to all of my questions.

Richard R. C.

Fort Wayne, IN, Jul 6, 2026, 7:56 PM

Good communication throughout loan process and quickly respond to all questions. Great overall experience.

Rachel D C.

Auburn, IN, May 31, 2026, 1:40 AM

Everyone was very helpful in our process!!

Selena R M.

Auburn, IN, May 30, 2026, 7:44 PM

Everyone was very helpful and knowledgeable.

Paul K.

Fort Wayne, IN, Aug 5, 2026, 3:07 PM

Very fast, and attentive service from both Doug, and Lorissa.

Angela S.

Fort Wayne, IN, Jul 22, 2026, 5:17 PM

Overall excellent, fast and efficient.

Caleb A E.

Fort Wayne, IN, Jul 12, 2026, 5:50 AM

Everyone was very kind and helpful. They were also quick to respond to all of my questions.

Richard R. C.

Fort Wayne, IN, Jul 6, 2026, 7:56 PM

Good communication throughout loan process and quickly respond to all questions. Great overall experience.

Rachel D C.

Auburn, IN, May 31, 2026, 1:40 AM

Everyone was very helpful in our process!!

Selena R M.

Auburn, IN, May 30, 2026, 7:44 PM

Everyone was very helpful and knowledgeable.

Joseph W.

Fort Wayne, IN, May 28, 2026, 2:32 AM

Everything went perfect. Doug was very helpful and knowledgeable. 10 out of 10, would recommend Doug to anyone.

James Allen V.

HUNTINGTON, IN, May 26, 2026, 7:14 PM

I had no k kwledge of the process and it was all made easy to understand through Ruoff.

Jessica J N.

Fort Wayne, IN, May 23, 2026, 12:10 PM

Doug and his team kept us updated at every step and made things easy for us to know what we needed to do at all times. Highly recommen Doug!

John E B.

Roanoke, IN, May 18, 2026, 7:59 PM

Great communication and helping to work through an issue .

Michael D H.

Fort Wayne, IN, May 17, 2026, 12:29 PM

Our entire experience with Doug and Lorissa was truly wonderful from beginning to end. Their kindness, patience, and prompt communication made such an important and emotional process feel smooth and reassuring. They took the time to explain every step in detail, answered all of our questions with genuine care, and kept us informed throughout the entire journey. We are beyond grateful to Doug, Lorissa, and the entire team at Ruoff for their dedication and hard work in helping make our dream of becoming homeowners again a reality. This milestone means so much to our family, and we will always appreciate the support, professionalism, and compassion they showed us every step of the way.

Brian P.

Columbia City, IN, May 16, 2026, 7:05 PM

Easy and quick

Isabella Ann W.

Fort Wayne, IN, May 6, 2026, 12:48 PM

Doug was great and very responsive! He awlays made sure to answer our questions and concerns in a timely manner

Joseph W.

Fort Wayne, IN, May 28, 2026, 2:32 AM

Everything went perfect. Doug was very helpful and knowledgeable. 10 out of 10, would recommend Doug to anyone.

James Allen V.

HUNTINGTON, IN, May 26, 2026, 7:14 PM

I had no k kwledge of the process and it was all made easy to understand through Ruoff.

Jessica J N.

Fort Wayne, IN, May 23, 2026, 12:10 PM

Doug and his team kept us updated at every step and made things easy for us to know what we needed to do at all times. Highly recommen Doug!

John E B.

Roanoke, IN, May 18, 2026, 7:59 PM

Great communication and helping to work through an issue .

Michael D H.

Fort Wayne, IN, May 17, 2026, 12:29 PM

Our entire experience with Doug and Lorissa was truly wonderful from beginning to end. Their kindness, patience, and prompt communication made such an important and emotional process feel smooth and reassuring. They took the time to explain every step in detail, answered all of our questions with genuine care, and kept us informed throughout the entire journey. We are beyond grateful to Doug, Lorissa, and the entire team at Ruoff for their dedication and hard work in helping make our dream of becoming homeowners again a reality. This milestone means so much to our family, and we will always appreciate the support, professionalism, and compassion they showed us every step of the way.

Brian P.

Columbia City, IN, May 16, 2026, 7:05 PM

Easy and quick

Isabella Ann W.

Fort Wayne, IN, May 6, 2026, 12:48 PM

Doug was great and very responsive! He awlays made sure to answer our questions and concerns in a timely manner

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

A Bit About Me

A mortgage is more than a transaction. It's a foundational piece of a family's financial future. Since 2014 with Ruoff Mortgage, my wife Julie and I have run the Carroll Team, bringing over twenty years of partnership to every file. Whether you're buying a starter home or building a forever home, we focus on clear explanations, efficient timelines, and long-term stability. My process pairs disciplined organization with genuine availability, so your questions never linger. Outside work I run our Crispy Cones franchise on Illinois Road, stay active at the gym, and follow local sports, all of which keep me grounded in the community I serve. Let's talk about your next step and get you moving in and making memories.