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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?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

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

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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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.

99.20% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Hi, I'm Julie!

Senior Loan Officer

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

99.20% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

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.

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President's Club Member

President's club seal 2015
President's club seal 2016
President's club seal 2017
President's club seal 2018
President's club seal 2019
President's club seal 2020
President's club seal 2021

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

  • Closing on a home has never been easier and that is why Julie will ALWAYS be my lender. I will continue to refer family, friends, and people I work with on a daily basis to her. You can absolutely tell she loves her job and takes a personal interest in making sure her clients are “in the know” every step of the way during the loan process. She is a gem!

    Dawn J, happy client
  • Julie Carol is gold. She is absolutely outstanding in competence, professionalism, and efficiency and has mastered the very highest quality people skills I have ever encountered as a customer. I sincerely hope your company will always do whatever it takes to keep her happy at Ruoff, because she is a priceless asset to your organization.

    Jonathan S, happy client
  • My experience was flawless

    Amy N, happy client
  • Ashley and Julie are always on their A-game! This is the 3rd time we have used them in 3 years. They continue to be pleasant and hard working. If I had spots for them I would hire them to my team!! Great Job ladies!

    Cody P, happy client
  • Staying in contact with us and answering any question we had right away.

    Blake A, happy client
  • It was my first time going through this process and I had a lot of questions but Julie and Ashley were very helpful and quick with answers.

    Nicole D, happy client
  • Julie Carrol is the best and I will definitely recommend her to all my friends and family

    Alex H, happy client
  • No! Everything was so easy and Julie and Ashley are the best. This is our second time working with them.

    Emily H, happy client
  • Julie and Ashley were great to work with. They were professional, knowledgeable, and to me the communication was outstanding!! I would recommend them both.

    Jennifer S, happy client
  • I dont have any complaint about your services, because Julie and her team communicate very well with us. They were very efficient.

    Peterson D, happy client
  • Communication was on point! I was a new homebuyer and didn’t know what I was doing, but Julie and the other members of Ruoff were very knowledgeable and able to inform me of what/why/when/how to do things.

    Faith V, happy client
  • This was our third time working with Julie and she has been amazingly helpful every time! Julie and Ashley were so patient with all of our questions and quick to respond every time!

    Brandi B, happy client
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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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