Picture of

What is your goal?


When are you
looking to buy?

Within 30 days
2-5 months
6 months - 1 year

How is your credit score?

Poor (619 or below)
Fair (620 - 679)
Good (680 - 719)
Excellent (720+)

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!

Please complete all fields.

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

Would you like to continue to complete your full application?

No, thanks.

What are your refinance goals?

Lower Rate
Smaller Payment
Shorter Loan

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.
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.

99.47% Customer Satisfaction Rating

Hi, I'm Julie!

Senior Loan Officer

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

99.47% 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.

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

  • Julie was awesome and really worked with us to make sure everything was done and helped us to ensure a smooth closing. I feel she really went out of her way to help expedite the process and ensure there were no surprises. I don't plan on buying anytime soon, but would strongly recommend her and Ruoff to any family or friends who are looking to buy in the future!

    Jeremy P, happy client
  • Julie was great with communication! Whether by texting or emailing, even on the weekends and on her vacation/holidays, she always kept in touch and answered every question I had as a first-time purchaser (there were many). If she didn't have an answer, she immediately got me in touch with the correct person.

    Chelsea S, happy client
  • Julie was amazing at getting back with me at any hour of day or night! She explained things to me when I didn't understand and was quick to move forward. I'm thrilled with her and all she did through this very long process. She definitely went above and beyond!

    Chelsea B, happy client
  • Very organized, professional, friendly and explained things so I could make a better decision. She was very supportive during a life-changing time in one's life.

    Kathy J, happy client
  • Julie did a phenomenal job! My husband and I were so impressed with how quick, smooth and painless the whole process was! We will definitely be referring her and Ruoff Mortgage.

    Angela B, happy client
  • Julie did an exceptional job explaining all of the paperwork for my loan application. As a first time home buyer, I knew very little about the process or paperwork beforehand, but Julie helped me feel like I knew exactly what I was signing and what to expect.

    Anna C, happy client
  • The process was much simpler than I have heard other friends experiences in their refinance processes. Julie and her assistant were super friendly and quick to respond.

    Gina B, happy client
  • Julie was on top of everything. We were happy we got to work with her. I would send emails in the evening with a question for her the next morning and she would email us back that very night. We felt very well taken care of. I would recommend Julie and your company to anyone.

    Brenda M, happy client
  • Julie went above and beyond in getting us the best deal possible. She was very friendly and personable while being professional.

    John W, happy client
  • I loved how warm and personable Julie was. She was incredibly helpful, kind, quick to respond, and knowledgeable. I really enjoyed the experience.

    LeeAnn W, happy client
  • Julie was great about keeping in touch with me via email, text or phone calls. She was very helpful and always got the answer if she didn't know it right away. I could not have had a better experience! Julie made my homebuying experience fun!

    Laurie S, happy client
  • Julie and Ashley did an awesome job of moving my loan through so we could get moved before winter came! She was very quick to get back to me through any form of communication. I would definitely recommend her to anyone looking for great rates and great service.

    Jared S, 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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