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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Your next step is to complete a full application.

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What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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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.

96.20% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Hi, I'm Julie!

Senior Loan Officer

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

96.20% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Let me help you get pre-approved today!

I absolutely LOVE MY JOB! The most humbling part is my clients allowing me to be part of a time in their lives that is truly a milestone. Home ownership is such an exciting time, and I love when I receive calls from new clients because I know I can help add to the excitement by making the loan process smooth and easy for them.

Many of my clients comment at how they have heard horror stories from their friends and family about what it's like to get a mortgage. I love when they say "Not ours! You made it so easy!" My clients and I stay in contact after closing because after sharing such a personal experience with each other, we really feel like we come to know each other. I feel blessed every day that I get to do what I do, and that's all thanks to my clients and my unbelievably great realtor referral partners.

I have two beautiful children, Aryana and Brayden, and it's great being able to show them how you don't have to work at a job you hate, you can find a job you love and look forward to everyday! I handle purchases, refinances, and new construction. I do a variety of loans on a regular basis, including Conventional, VA, USDA, and FHA.

If you ever have any questions and want to talk with someone who will be open to helping you by answering them, and not make you feel like you're talking to a salesman, you can call me anytime. I'm happy to help anyone in any way I can, even if you're using someone else for your financing.

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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

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

  • The communication was easily the best part of working with Ruoff Mortgage. Last time I purchased a home, it was basically pulling teeth to get my mortgage agent to respond to a text or call. Julie was SO on top of things. I work late nights and she would often answer my emails long past her work hours. She answered all questions I had and explained things I didn't understand. She was awesome to work with!

    Arica H, happy client
  • Julie was amazing! I had called a few other realtors before contacting her and none of the others had time to return calls or emails. Julie answer my call personally and did a wonderful job for us!

    Kolandra M, happy client
  • Everyone answered every question I had with a quick response. They also made me feel comfortable with every step. Excellent customer service.

    Emily R, happy client
  • Julie is super knowledgeable when it comes to the process. We were just refinancing, but this makes the third time we have used her for our mortgage. I always recommend Ruoff and Julie specifically when asked about home financing. The Loan Butler makes everything super easy as well.

    Charles T, happy client
  • Julie did a fabulous job communicating with us the entire way. She answered our questions quickly and thoroughly and always had a fantastic attitude. It was a lot of fun to go through the process with her.

    Marc M, happy client
  • Julie was just amazing from the start. I felt like she wanted this for me as much as I did and worked hard to that end. She made me feel comfortable about the process- even though it’s scary!- and I knew I could ask any questions I needed and not feel like I was bugging her. I’m so glad my realtor recommended her, and I will always be grateful for her help. She’s the best!

    Teresa P, happy client
  • Julie and Ashley were clear and prompt to provide communication and actions.

    Sharolene S, happy client
  • There was easy communication through email and layout what I needed and when I needed. It was helpful.

    Jasmine A, happy client
  • Julie and Ashley were absolutely amazing to work with! They were quick to respond to any/all of my questions and concerns at any time. There was never any confusion or frustration with them.

    Nicole C, happy client
  • Everyone on our loan was quick and efficient as well as readily available when I needed to call with questions. Julie and Ashley were both friendly and attentive.

    Katelyn S, happy client
  • This has been the very best mortgage experience we've ever had, thanks to Julie and Ashley! This was our first experience with Ruoff, though we've purchased six homes now, as well as a number of refi's, and this was the friendliest, most worry free and user-friendly experience of them all!

    John M, happy client
  • Julie Carroll has gone above and beyond to help us finance our dream house. She has been very persistent to guide us for almost one year to build our credit so that we could purchase this home. Ruoff Mortgage staffs are all very prompt to response and very professional. Loan Buttler and e-documents are very easy to use and convenient for us throughout this process.

    Rondie S, 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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