Based on quarterly 98% or better third party customer satisfaction survey data
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. My husband, Doug Carroll, also a loan officer at Ruoff, and I are on a team both at work and at home! At home we have 2 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 :)
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!!
Confirm your home financing options ahead of schedule
What to Expect
Understanding your home finance options puts you in the driver's seat when you are negotiating your home purchase. Getting a no obligation Ruoff Step Ahead pre-approval letter tells all parties involved that you are a qualified borrower. Because your Ruoff Step Ahead pre-approval letter confirms that your documentation has been reviewed by a Ruoff Home Mortgage underwriter, sellers and agents will both know the transaction will close on time! Get in touch with a Ruoff Home Loan Adviser or simply click on the link above and apply online today. It is fast and easy and you will soon know why Ruoff is a great name to know when you need a mortgage.
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.
Take Advantage of a Government-Insured Loan That Is Always a Safe Bet in an Ever-Changing World
FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) insures the loan, so Ruoff Home Mortgage can offer you a better deal. It is because of that insurance that FHA loans can offer attractive interest rates and with less stringent and more flexible qualification requirements. FHA loans may be used to purchase or refinance a new or existing 1-4 unit family home or condominium unit.
Highlights of the FHA Loan
Down payment of just 3.5%. That money can come from a family member, employer or charitable organization as a gift. Other loan programs do not typically allow this. Low credit score requirement and flexible qualifying guidelines. No income limit on borrowers. 15 or 30-year term with competitive rates. Non-occupant co-borrowers can be used to help qualify.
FHA Eligibility Criteria
Must occupy the property as your primary residence. Maximum loan amount limits that vary by region/city. A borrower is limited to one FHA loan at a time. Must meet the minimum credit score requirement. Must have sufficient income to qualify.
The FHA 203(k) Program
Interested in purchasing a foreclosed property, but don't have the extra cash needed for necessary repairs? The FHA 203(k) loan product is the perfect solution. The FHA 203(k) is a special loan product for borrowers who need extra cash to make repairs to their homes. The chief advantage of this type of loan is that the loan amount is not based on the current appraised value of the home, but on the projected value after the repairs are completed. A "streamlined" 203(k) allows you to finance up to $35,000 in nonstructural repairs, such as painting and replacing cabinets or fixtures. The 203(k) loan can be used to repair a home you're planning to purchase or to make upgrades to your current home.
For more information on FHA mortgage insurance and other FHA loan programs:
By Proudly Serving Your Country, You've Earned the Benefit of a VA Loan
VA loans provide fixed, competitive rates with 15 or 30-year terms. Qualification is easier, even if you have had some credit blemishes in your past. Unlike other loans, you can refinance up to 100% of the value of your home or purchase with no down payment, and there's never a monthly insurance (PMI) charge with VA loan.
Are you a veteran, member of the military, or a surviving spouse of a veteran? Do you want fast approval and minimal red tape? Are you Interested in a fixed-rate mortgage? A yes answer to all three of the above questions suggests that a VA Loan might very well be the right loan for you. Contact a Ruoff Home Mortgage advisor today and discuss the advantages of this exclusive loan product.
VA Loan Highlights
Purchase with no money down. Refinance up to 100% of your primary home's value. The Seller can pay 100% of the closing costs on a purchase. VA Streamline Refinance with a reduced funding fee and flexible documentation requirements - available for veterans currently in VA loans. No monthly PMI (Private Mortgage Insurance). VA loans are governed by the U.S. Department of Veterans Affairs.
Eligibility Criteria for VA Loans
Must occupy the property as your primary residence. Must be eligible for a new mortgage with VA. Must meet minimum credit score requirement. Must have sufficient income to qualify.
A Great Way to Buy a Home in a Small Community or Rural Area
Are you ready to own a home but are not sure you will qualify due to lack of a down-payment? Rural Development may be able to help you! USDA Rural Development has partnered with Ruoff Home mortgage to help extend 100% financing opportunities to individuals and families.
Highlights of the USDA Rural Development Authority Loan
No Down payment is required. Flexible credit score and qualifying guidelines. No maximum purchase price limit. Closing costs can come from any source including gifts. Repairs and improvements can be included in the loan. 30-year term with competitive rates. No monthly mortgage insurance - you may qualify for a larger loan.
USDA Eligibility Criteria
Must occupy the property as your primary residence. Do not own another home within 50 miles. Have an adjusted household income that is within Rural Development guidelines based on the number of persons who will occupy the home. Purchase a residential property that is located in a Rural Development eligible area.
The Rural Development guaranteed loan program has assisted thousands of customers just like you. Tell your Ruoff Home Mortgage Advisor you want the USDA Rural Development Guaranteed Housing Loan. Assistance options, such as gift funds, grants, seller concessions are allowed and you do not have to be a first-time homebuyer.
One time Close, New Construction Program
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.
One-Time Close Construction Loan Program
If you are ready to start building the home of your dreams, Ruoff Home Mortgage has the perfect construction loan program, allowing you to lock your interest rate before you even break ground.
Our One-Time Closing Construction Loan program combines your construction financing and permanent financing, utilizing a one-time approval and closing process prior to the beginning of construction.
To protect you from market shifts during the construction phase, your interest rate is locked at application. However, you will be given the opportunity to review and possibly lower your interest rate if the market has improved by the time your home is complete.
You can also take comfort in knowing that our in-house New Construction Department works closely with area builders and has a simple draw procedure to ensure that your project budget remains on track as your dream home becomes reality. We also offer the flexibility of a six-month or nine-month construction loan term with interest-only payments during the construction period.
Let Ruoff Home Mortgage help construct the perfect financing option for your new home.
Interest rate locked before ground-breaking
Float down interest rate available when house in complete
FInance options on both purchase of the land and new home construction
Down payments as low as 5%
One approval process and one set of closing costs
6- or 9-month loan term (interest-only payments during construction period)
Fixed rate permanent financing terms from 10 to 30 years.
Loan amounts up to $417k.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.
Your dream home is waiting!
Ruoff Home Mortgage works with the Indiana Housing and Community Development Authority (IHCDA) to provide you a variety of homebuyer incentives.
Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, MSHDA has a mortgage product to meet your needs.
Helping to Own Program offers a 3.5% down payment assistance grant.
Mortgage Credit Certificate Program provides housing assistance by issuing a federal tax credit to first time homebuyers and other qualyfing borrowers.
Next Home Program offers down payment assistance for those who are not first time homebuyers.
Next Home with Mortgage Credit Certificate Program provides down payment assistance as well as a federal tax credit to first time homebuyers.
Affordable Home Program funds FHA loans for first time homebuyers
My Home Program funds loans with conventional financing for those who are not first time homebuyers.
My Home with Mortgage Credit Certificate Program funds loans with conventional financing and provides a federal tax benefit for first time homebuyers
With over 30 years of experience, Ruoff Home Mortgage makes the process of securing a mortgage simple and straightforward – with no hidden costs and no surprises.
Let me use my experience to help you find the loan program that best meets your needs.
Julie made us feel like family, not "clients" or "customers" - never once did we feel like she was trying to sell us on something or do anything that wasn't in our best interests. She took time to answer all of our questions.
Julie Was so incredibly awesome! There is nothing more she could have done for us; she did it all from a warm welcome to a gratitude filled goodbye. She was always on top of the ball and so willing to answer questions any time.
Everything from the very first day we talked till the very last day was extremely helpful!! I will def recommend Julie to anyone I come in contact with to buying a house! Even after closing she is willing to answer any questions that I have! Great job.
Julie was very friendly, open, and honest with me. She always kept me informed with the process. I felt comfortable with her.
Julie was Amazing! This was my first home purchase. The process was made easy and was never stressful. She was always available to answer questions and ensured I understood every step of the process. Thanks for making it easy!
Julie was extremely nice. Not just a robot doing her job. i was so nervous about the whole process. She was patient with me and answered my questions even when i asked her several times to clarify. She was professional. I thank her greatly for her assistance.
Julie was very inviting, quick to respond and informative in the information she provided on such a level that I could understand.
Seriously you are the best... YOU have gone above and beyond helping us. I am so glad that we decided to use your services. As you said in our first sit down meeting, you become friends with your clients. I truly feel that you care.
Tiffany and Mark B.
Thank you so very much for all of your help in securing our loan for our new home here in Fort Wayne. You were organized, thorough and professional as well as kind. This made all of the difference in our interactions with you.
Jeff & Laura H.
Julie made our home loan process her top priority. She excelled at communication and responded to every question or need we had so quickly. She was on top of every detail. We would highly recommend working with Julie!
I absolutely LOVED working with Julie when we bought our first home in 2011!!! I recommend her to everyone I know that talks about buying a home. She was always available when we called, and was super sweet!!
Josey T. & Beth P.
We were first time home buyers, so we had no clue about the process. Thankfully, we made the decision to go with Julie Carroll for our mortgage needs. We had some credit problems, but with Julie's advice and a lot of hard work, it was rebuilt.
Today I closed on my beautiful home with the great guidance, effort, and patience with Julie Carroll!!! Great communications and amazing turn times!!! Thanks a million Julie!!!
In a hurry?
Apply Online Today and Determine Your Financing with Fast Professional Service.