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Picture of Julie Carroll
Picture of Julie Carroll

Hi, I'm Julie!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.75% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Julie!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.75% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I am proud to give my very best at exemplifying the true spirit of community involvement while balancing my professional success with a passion for helping others. As a mortgage professional, real estate investor, and dedicated volunteer, I love sharing experiences and giving back to others. In my role as a mortgage professional at Ruoff Mortgage since 2014, I have made it my mission to consistently deliver exceptional service to clients while helping them navigate the complexities of the mortgage process and secure financing tailored to their specific needs.

Beyond mortgage lending, I actively engage in real estate investing, driven by a keen understanding of market trends and a passion for generating passive income. I have successfully acquired rental properties while consistently achieving positive returns. These properties range from single-family homes to multi-units to Air BNBs in Florida. 

I have extended my passion for helping others by volunteering at Erin's House for Grieving Children and Community Harvest Food Bank. At Erin's House, I provide support and guidance to children and families coping with grief. At Community Harvest Food Bank, I am always ready to lend a helping hand by assisting with food sorting, distribution, and various other tasks. I love to merge my expertise in mortgage lending, real estate investing, and community volunteerism to provide comprehensive financial solutions and support to those in need. 

With a proven track record in both professional and community endeavors, I want to be a positive role model for my children by demonstrating the power of giving back. Contact me today to experience the difference that a dedicated mortgage professional, experienced real estate investor, and compassionate community volunteer can make for you and your family!

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President's Club Member

President's club seal 2015
President's club seal 2016
President's club seal 2017
President's club seal 2018
President's club seal 2019
President's club seal 2020
President's club seal 2021
President's club seal 2022
President's club seal 2023

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


Need a lower monthly payment, or want to get cash out? Learn more about your options.

Sell My Home

Get your house on the market, and look for your next home!

Hear from people like you*

  • Julie was always there to answer our calls, and she always answered with a positive attitude. Julie made this process as easy as possible. This was our second home purchased with Julie, and we will certainly be coming back to her, should we buy another home.

    Jacob W, happy client
  • Great communication with the heart of a teacher. Each step progressed smoothly and all questions were answered quickly and graciously.

    Nicholas B H, happy client
  • I was super nervous as a first time home buyer and found Julie and her assistant, Ashley, super helpful! They helped answer all my questions and made the process really simple.

    searaujo15 , happy client
  • Julie Carrol did an excellent job every step of the way!!

    Bridget G, happy client
  • Julie was extremely knowledgeable, helpful, and efficient. We always got answers almost immediately after asking.

    William R H, happy client
  • Your entire team was absolutely amazing and we are so happy in our new home!!!

    Jillian I, happy client
  • Everything was very easy to understand

    Peyton S, happy client
  • Was very profressional. I definitely go through with you guys when I get my next house

    Brendan H, happy client
  • We really enjoy working with Julie. She's always prompt and keeps us informed about everything from start to end.

    Corey M, happy client
  • Always a great experience with Julie and her team. Great communication and always on top of everything. My 4th mortgage with Ruoff, through Julie. My realtors are always impressed, as well. Thank you for everything!

    Michael C, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

Use our calculator below to find an estimated monthly mortgage payment that works for you. Please remember the dollar amounts displayed are not guaranteed, and what you actually pay may be different. These estimates are for educational purposes only.

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I would love to hear from you!

Call me at 260.460.7552 or message me below!

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