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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?

How much are you
looking to spend?

$150 - 175k

What is your estimated
down payment?

18 - 21%
Please complete all fields.

Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

Thank you for
reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

What is your current balance on your mortgage?

$75 - 100k

What is your estimated home value?

$150 - 175k
Please complete all fields.
Get Started 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.

99.00% Customer Satisfaction Rating

Hi, I'm Julie!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

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.

Get Started

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

  • Very devoted. If I emailed or called it was answered very fast I didn't have to wait days to hear back. I have never been treated so well with a company. I never once felt that we were not a priority even when Julie was out of town she still answered back and worked on r stuff. Never seen such a devoted dedicated person at there job to help people. I will recommend this company and Julie and Ashley to anyone I know who is looking for a loan.

    Heather S, happy client
  • Julie was extremely knowledgeable and so responsive. As always, she is just a pleasure to work with.

    Michael B, happy client
  • Julie was awesome! I definitely will be working with her more too!

    Jimmy S, happy client
  • Julie is always so pleasant to work with! Everything she updated us on was accurate and made the refinancing process quick and painless.

    Justin R, happy client
  • Julie and Ashley were outstanding!

    Todd B, happy client
  • Julie was constantly giving us updates on the process and explaining it for us to understand well.

    Nicholas S, happy client
  • Julie and Ashley were rockstars! I had used Julie two years ago and was impressed by her communication even after closing and her continued support. When it came time to find a lender for my new home, the answer was obvious! They made the whole process straight forward and easy. It was organized, well managed and the communication was fantastic! Thanks so much, Julie and Ashley!

    Victoria , happy client
  • Julie and Ashley were very professional and went over the top to complete my loan extremely quick to everyone’s surprise.

    Michael P, happy client
  • Everything was so smooth and Julie handled everything she went above and beyond!! Seriously I will recommend Ruoff to anyone and everyone!!

    Joscelyn P, happy client
  • Julie was a delight to work with throughout the whole process. The communication was outstanding. It didn’t matter what time of day or night it was Julie was quick to respond back. If I could give her infinity stars I would.

    Adam S, happy client
  • This was my third experience working with Julie Carroll. All three times have been absolutely wonderful. Julian Ashley answered all my questions within minutes of contacting them. They are both very helpful, friendly and caring. I don’t plan on ever buying a new home again but if I do I will never work with anyone else!

    Tracy J, happy client
  • Julie went above and beyond helping me and was quickly answering my questions

    Michael P, happy client

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.

Stay connected.

I would love to hear from you!

Call me at (260) 460-7552 or message me below!

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