When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Julie Carroll | Mortgage Loan Officer

Meet our happy homeowners***

View All Testimonials

Jason E M.

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

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

Kimberly R M.

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

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 :)

Rachel A G.

Huntington, IN, Jul 7, 2026, 11:23 AM

As first time homeowners we had absolutely no idea what we were doing. Julie was so helpful and was able to take complex terminology and explain it in a way that made sense! She found us the best options and was communicative throughout the whole process. In the end, there were no surprises and we were able to confidently close on our first home!

Justin J.

Fort Wayne, IN, Jul 22, 2026, 12:03 PM

communication and consistent throughout the entire process. Thanks, Julie you a

Cayden Lee V.

Huntington, IN, Jul 18, 2026, 7:06 PM

Julie was amazing!

Logan S V.

FORT WAYNE, IN, Jun 22, 2026, 5:26 PM

loved Julie

Jason E M.

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

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

Kimberly R M.

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

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 :)

Rachel A G.

Huntington, IN, Jul 7, 2026, 11:23 AM

As first time homeowners we had absolutely no idea what we were doing. Julie was so helpful and was able to take complex terminology and explain it in a way that made sense! She found us the best options and was communicative throughout the whole process. In the end, there were no surprises and we were able to confidently close on our first home!

Justin J.

Fort Wayne, IN, Jul 22, 2026, 12:03 PM

communication and consistent throughout the entire process. Thanks, Julie you a

Cayden Lee V.

Huntington, IN, Jul 18, 2026, 7:06 PM

Julie was amazing!

Logan S V.

FORT WAYNE, IN, Jun 22, 2026, 5:26 PM

loved Julie

Lauren Cribbs D.

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

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!

Chad S.

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

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!

Dana L M.

Fort Wayne, IN, Jun 22, 2026, 9:55 PM

Julie was fantastic to work with during this process. she was quick to respond and kept us informed throughout the process.

Oussama D.

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

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.

James B.

Fort Wayne, IN, Jun 5, 2026, 3:09 PM

It's 100% Julie, she is amazing. She is responsive, knowledgeable, friendly, and easy to work with. She would be my first option if and when I do this again.

Mark A E.

Fort Wayne, IN, May 30, 2026, 1:08 AM

...........

Cayce D.

Fort Wayne, IN, May 24, 2026, 9:00 PM

Julie is always quick and easy to work with. she doesnt over complicate things

Lauren Cribbs D.

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

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!

Chad S.

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

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!

Dana L M.

Fort Wayne, IN, Jun 22, 2026, 9:55 PM

Julie was fantastic to work with during this process. she was quick to respond and kept us informed throughout the process.

Oussama D.

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

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.

James B.

Fort Wayne, IN, Jun 5, 2026, 3:09 PM

It's 100% Julie, she is amazing. She is responsive, knowledgeable, friendly, and easy to work with. She would be my first option if and when I do this again.

Mark A E.

Fort Wayne, IN, May 30, 2026, 1:08 AM

...........

Cayce D.

Fort Wayne, IN, May 24, 2026, 9:00 PM

Julie is always quick and easy to work with. she doesnt over complicate things

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

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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