Carol Freeman

Hi, I'm Carol, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership

Contact me anytime: 317.764.6906 or

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


I just love Maya Angelou’s quote, “people will forget what you said, people will forget what you did, but people will never forget how you made them feel”. I use this philosophy to guide my personal and professional life each day and believe that you will notice this right from the start. Buying a new home is not just a financial transaction, it is a meaningful, life changing event. Exceptional service is the foundation of my business, and I strive to provide you an extraordinarily smooth, unforgettable experience.

My biggest life achievement thus far is successfully beating breast cancer. I now live life to the fullest and with more purpose and enthusiasm than ever before. I work hard, play hard, and I am involved in the community with breast cancer awareness and research. I am also very excited that I’ve had the opportunity to join the Indy Survivors Dragon boat racing team.

I grew up in Indiana, and have lived in Carmel since 2012. I have a wonderful, supportive husband named Todd and four children—all of whom I am very proud! I also have a sweet, 55 lb. golden-doodle who just adores everyone she meets. I enjoy traveling, spending time with family and friends, creating memories, and have become a self-proclaimed “foodie” with all of the wonderful restaurants that the Indianapolis and Hamilton county area has to offer.

Fun fact: I am an expert whack-a-mole player! Just ask me!

My experience...

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

My Advice

My Advice for those looking to buy or refinance a home? Be sure to work with someone with integrity, knowledge, experience, and all the right tools necessary to get you into the perfect mortgage that best meets your individual needs and financial situation. Ruoff Mortgage is the perfect fit for me to be able to offer all of this and more. Good, timely communicating is also very important. You want to be able to reach your loan officer whenever a question pops up…even if it’s Saturday night at 11 pm!

I look forward to hearing from you soon—to help you purchase your first home, your next home, or your forever home! Call me today!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

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