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Julie Carroll

Senior Loan Officer

NMLS: 272049

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Julie
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99.39%

Customer Satisfaction Score.

Scotsman Guide AwardPresident's Club Award

Awards

Proudly serving Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Briana D.

Roanoke, IN, Aug 19, 2026, 12:03 PM

5.0

We love Julie!! We have worked with her twice now and she is always great to work with! We can't recommend her enough!

Review 2

Jessika S.

Fort Wayne, IN, Sep 1, 2026, 6:05 PM

5.0

Julie was always so quick with her replies even on a Sunday when I wasn't expecting yo to hear from her she is incredibly knowledgeable and always answered my questions without hesitation

Review 3

Oussama D.

Fort Wayne, IN, May 19, 2026, 10:20 PM

5.0

Julie was on spot with us always responsive , always following up with us, this is our second loan with her, and the process never get old with her, things get better and better, we are blessed she was our loan officer she made our home buying process seamless.

Review 4

Chad S.

New Haven, IN, Jun 9, 2026, 11:43 PM

5.0

Just the overall communication was amazing! Any questions I had got answered right away, I felt like I was updated daily on everything which made the process so much easier!

Review 5

Jordan D.

Roanoke, IN, Aug 18, 2026, 3:06 PM

5.0

This is our second time working with Julie and she has been great both times! Was always responsive and knowledgeabl. Highly recommend Julie if you are looking for a smooth process when buying new real estate!

Review 6

Luke D G.

Monroe, IN, Sep 13, 2026, 3:57 PM

5.0

Julie is jua always amazing to work with!

Review 7

Lauren Cribbs D.

Huntington, IN, May 15, 2026, 3:12 PM

5.0

Julie Carroll was truly an amazing person to work with.. I had lots of questions navigating this as a first time buyer, and she helped me every step of the way. Not only was she extremely knowledgeable, she was just genuinely a sweet person. I would work with her over again and recommend her to anyone else!

Review 1

Briana D.

Roanoke, IN, Aug 19, 2026, 12:03 PM

5.0

We love Julie!! We have worked with her twice now and she is always great to work with! We can't recommend her enough!

Review 2

Jessika S.

Fort Wayne, IN, Sep 1, 2026, 6:05 PM

5.0

Julie was always so quick with her replies even on a Sunday when I wasn't expecting yo to hear from her she is incredibly knowledgeable and always answered my questions without hesitation

Review 3

Oussama D.

Fort Wayne, IN, May 19, 2026, 10:20 PM

5.0

Julie was on spot with us always responsive , always following up with us, this is our second loan with her, and the process never get old with her, things get better and better, we are blessed she was our loan officer she made our home buying process seamless.

Review 4

Chad S.

New Haven, IN, Jun 9, 2026, 11:43 PM

5.0

Just the overall communication was amazing! Any questions I had got answered right away, I felt like I was updated daily on everything which made the process so much easier!

Review 5

Jordan D.

Roanoke, IN, Aug 18, 2026, 3:06 PM

5.0

This is our second time working with Julie and she has been great both times! Was always responsive and knowledgeabl. Highly recommend Julie if you are looking for a smooth process when buying new real estate!

Review 6

Luke D G.

Monroe, IN, Sep 13, 2026, 3:57 PM

5.0

Julie is jua always amazing to work with!

Review 7

Lauren Cribbs D.

Huntington, IN, May 15, 2026, 3:12 PM

5.0

Julie Carroll was truly an amazing person to work with.. I had lots of questions navigating this as a first time buyer, and she helped me every step of the way. Not only was she extremely knowledgeable, she was just genuinely a sweet person. I would work with her over again and recommend her to anyone else!

Review 8

Carlos R.

Fort Wayne, IN, Aug 31, 2026, 7:35 PM

5.0

am so happy for doing this process so fast and I got an excellent communication with everybody and make me so happy I buy this housthaou everybody for doing great. Great job.

Review 9

Halston D M.

Angola, IN, Aug 10, 2026, 3:03 PM

5.0

Julie is an absolute pleasure to work with! She made the whole process smooth and easy. I highly recommend her to anyone needing a mortgage!

Review 10

Andrew David Michael T.

Berne, IN, Aug 13, 2026, 9:57 PM

5.0

Communication was on par!! Super pleasant experience and they made it super easy for me!!

Review 11

Jason E M.

Decatur, IN, Jul 18, 2026, 3:34 PM

5.0

Julie was extremely helpful and knowledgeable during the whole process. Thanks julie!

Review 12

Keith L M.

Angola, IN, Aug 18, 2026, 3:48 PM

5.0

Above and beyond

Review 13

Shawna H.

Fort Wayne, IN, Aug 10, 2026, 3:26 PM

5.0

Quick feedback, so nice, no surprises!!

Review 14

Kimberly R M.

Decatur, IN, Jul 14, 2026, 4:30 PM

5.0

Julie is excellent! Wuick Quick to respond with all questions. She mentioned i I would be notified if rates drop, if so we would like notified so we can refinance into lower rate :)

Review 8

Carlos R.

Fort Wayne, IN, Aug 31, 2026, 7:35 PM

5.0

am so happy for doing this process so fast and I got an excellent communication with everybody and make me so happy I buy this housthaou everybody for doing great. Great job.

Review 9

Halston D M.

Angola, IN, Aug 10, 2026, 3:03 PM

5.0

Julie is an absolute pleasure to work with! She made the whole process smooth and easy. I highly recommend her to anyone needing a mortgage!

Review 10

Andrew David Michael T.

Berne, IN, Aug 13, 2026, 9:57 PM

5.0

Communication was on par!! Super pleasant experience and they made it super easy for me!!

Review 11

Jason E M.

Decatur, IN, Jul 18, 2026, 3:34 PM

5.0

Julie was extremely helpful and knowledgeable during the whole process. Thanks julie!

Review 12

Keith L M.

Angola, IN, Aug 18, 2026, 3:48 PM

5.0

Above and beyond

Review 13

Shawna H.

Fort Wayne, IN, Aug 10, 2026, 3:26 PM

5.0

Quick feedback, so nice, no surprises!!

Review 14

Kimberly R M.

Decatur, IN, Jul 14, 2026, 4:30 PM

5.0

Julie is excellent! Wuick Quick to respond with all questions. She mentioned i I would be notified if rates drop, if so we would like notified so we can refinance into lower rate :)

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

/mo.
/mo.
/mo.

Loan Details

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Tax

$0.00

Homeowners Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now
Julie Carroll

A Bit About Me

For me, being a mortgage loan officer is about much more than numbers—it's about helping people confidently navigate one of the biggest financial decisions they'll ever make. I'm passionate about what I do, and as a Mortgage Loan Officer with The Carroll Team at Ruoff Mortgage, I'm committed to providing responsive communication, honest guidance, and a smooth lending experience from application to closing. I work with first-time homebuyers, move-up / move-down buyers, investors, and those refinancing, always focusing on personalized solutions and exceptional service. Outside of mortgage lending, my husband and I are the owners of Crispy Cones in Fort Wayne, which has strengthened my commitment to customer service and ties with our local com

Awards & Achievements

Top Mortgage Lenders Award

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

President's Club Award

President's Club

11x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Let's Talk

Proudly serving Indiana

Julie Carroll

Senior Loan Officer

NMLS: 272049

260.460.7552Julie.Carroll@ruoff.com

Branch Address:

1670 Magnavox Way , Fort Wayne, IN 46804

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

Company

Privacy / SecurityLicensesNMLS Consumer Access
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Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******†††‡Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

Based on 2025 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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.