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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.

99.19% 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.

99.19% 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.

Refinance

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

  • Review 1

    Source of Rating Icon

    Julie is always on it. She is quick to respond, open to questions, and thorough in explaining information.

    Vanessa R S.

    Fort Wayne, IN, September 9th, 2024 11:06 AM

  • Review 2

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    Julie was super easy to work with. The whole process was stress free!

    Laura H.

    N Manchester, IN, September 8th, 2024 01:18 PM

  • Review 3

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    This is our second time working with Julie! The entire was so easy! Thank you!

    Nicholas W.

    Decatur, IN, September 2nd, 2024 11:04 AM

  • Review 4

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    I was very happy with the first time homeowners program we did, our interest rate was great, and Julie was overall super pleasant to work with.

    Anna S.

    Fort Wayne, IN, September 12th, 2024 05:02 PM

  • Review 5

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    Julie was wonderful to work with, and we never felt lost in the process. We understood everything expected and it was very easy!

    Ethan S.

    Fort Wayne, IN, September 10th, 2024 11:22 AM

  • Review 6

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    Easy access to everything. Informative, knowledgeable people. Everything went smooth.

    Melissa Ann C.

    Rome City, IN, August 16th, 2024 11:21 AM

  • Review 7

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    Julie and the Ruoff team did an exceptional job. Julie is the consummate professional and any organization would be blessed to have her!

    Damon O.

    Fort Wayne, IN, August 11th, 2024 06:01 PM

  • Review 8

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    I have work with Julie in the past and her and her assistant Ashley, are great! They did fantastic at explaining everything thru out the process in a way that I can understand. They were always quick to answer questions, and to let me know the things I need and or need to know! They were all around fantastic. Thanks yet again for another great and easy (well as easy as it can be) home purchase!

    Cameron P.

    La Fontaine, IN, July 28th, 2024 08:49 PM

  • Review 9

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    As a first time home buyer, Julie was phenomenal!! She informed and taught us what we needed to know to move through the process. She made sure everything flowed accurately and worked her socks off to get us in our first home. She went above and beyond and circled back and went above and beyond again to get us to closing. She is the best!! These words and star ratings don't even do Julie justice, she is beyond phenomenal!!!!

    Stephanie L.

    Markle, IN, August 17th, 2024 01:07 PM

  • Review 10

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    Everyone was great to deal with! Answered all questions with great timing and help lead our family in the best direction for our situation. Thanks everyone involved!

    Kyle F.

    Fort Wayne, IN, June 18th, 2024 11:21 AM

  • Review 11

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    The communication was absolutely top notch. I never questioned where I was in the process. Julie and Ashley are SUCH a joy to work with and make it feel like they are just as excited as I am!

    Alyssa H.

    Huntington, IN, July 14th, 2024 02:01 PM

  • Review 12

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    Julie was so helpful and quick to respond to any questions we had. I felt very reassured throughout the entire process working with her.

    Sharayah D K.

    Fort Wayne, IN, June 21st, 2024 11:05 AM

  • Review 13

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    Process explained in great detail

    Brian J N.

    South Whitley, IN, July 25th, 2024 12:04 PM

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Why should you choose Ruoff?

68

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS #141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

** The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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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