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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.

99.60% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Julie!

Senior Loan Officer

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

99.60% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I am proud to give my very best at exemplifying the true spirit of community involvement while balancing my professional success with a passion for helping others. As a mortgage professional, real estate investor, and dedicated volunteer, I love sharing experiences and giving back to others. In my role as a mortgage professional at Ruoff Mortgage since 2014, I have made it my mission to consistently deliver exceptional service to clients while helping them navigate the complexities of the mortgage process and secure financing tailored to their specific needs.

Beyond mortgage lending, I actively engage in real estate investing, driven by a keen understanding of market trends and a passion for generating passive income. I have successfully acquired rental properties while consistently achieving positive returns. These properties range from single-family homes to multi-units to Air BNBs in Florida. 

I have extended my passion for helping others by volunteering at Erin's House for Grieving Children and Community Harvest Food Bank. At Erin's House, I provide support and guidance to children and families coping with grief. At Community Harvest Food Bank, I am always ready to lend a helping hand by assisting with food sorting, distribution, and various other tasks. I love to merge my expertise in mortgage lending, real estate investing, and community volunteerism to provide comprehensive financial solutions and support to those in need. 

With a proven track record in both professional and community endeavors, I want to be a positive role model for my children by demonstrating the power of giving back. Contact me today to experience the difference that a dedicated mortgage professional, experienced real estate investor, and compassionate community volunteer can make for you and your family!

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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
President's club seal 2022
President's club seal 2023

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.

Refinance

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

  • Review 1

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    The communication was absolutely top notch. I never questioned where I was in the process. Julie and Ashley are SUCH a joy to work with and make it feel like they are just as excited as I am!

    Alyssa H.

    Huntington, IN, July 14th, 2024 02:01 PM

  • Review 2

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    Julie was so helpful and quick to respond to any questions we had. I felt very reassured throughout the entire process working with her.

    Sharayah D K.

    Fort Wayne, IN, June 21st, 2024 11:05 AM

  • Review 3

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    Everyone was great to deal with! Answered all questions with great timing and help lead our family in the best direction for our situation. Thanks everyone involved!

    Kyle F.

    Fort Wayne, IN, June 18th, 2024 11:21 AM

  • Review 4

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    Process explained in great detail

    Brian J N.

    South Whitley, IN, July 25th, 2024 12:04 PM

  • Review 5

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    Everything was so easy and Julie and her team did their best to get me my home loan.

    Toe N.

    FORT WAYNE, IN, July 20th, 2024 03:44 PM

  • Review 6

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    Julie was absolutely AMAZING! This was our first time purchasing a home, and I couldn’t have thought of a more pleasant experience once I began working with her! She is patient, kind, and very knowledgeable! She always answered each question I had, and would explain in a very detailed way so she knew we’d understand! I couldn’t have imagined working with anyone else, as our first load officer was unfortunately not the best. So grateful for Julie! :)

    Alma J G.

    Fort Wayne, IN, April 1st, 2024 11:39 AM

  • Review 7

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    Julie was patient, and wonderful through the entire process. I initially got pre-approved and we put a plan together to wait five or six months. However, the right situation popped up and Julie was immediately on the ball. Preapproval was a breeze, closing was fast with no surprises. 5 stars all the way around!

    Jeremy O.

    Fort Wayne, IN, April 20th, 2024 03:03 PM

  • Review 8

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    Julie and Ashley keep in touch almost daily and notified us of changes or what needed to get done. The process went smoothly with their help! Thank you to all of those that were involved .

    Jessee R.

    Kendallville, IN, June 10th, 2024 12:05 PM

  • Review 9

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    Everything, we were kept up to date every step of the way. Really made the loan process quick, easy, and if I had questions they were answered and explained

    Lawrence R. F.

    South Whitley, IN, May 28th, 2024 08:48 AM

  • Review 10

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    Julie is the best in the business wouldn’t use anyone else !

    Jeffrey L.

    Auburn, IN, May 9th, 2024 11:39 AM

  • Review 11

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    The entire loan process was smooth and seamless. I loved that Julie and Ashley kept us regularly updated on where we were at in the loan process!

    Ashley Marie C.

    Fort Wayne, IN, April 26th, 2024 12:16 PM

  • Review 12

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    Julie has helped us buy both of our homes. She assisted about 7 years ago with my mom, 5 years ago with us, and another one for us this year. She is always unbelievably helpful and makes the house buying process as easy as it can be. Julie is the best!!!

    Jason L H.

    Montpelier, IN, March 25th, 2024 11:21 AM

  • Review 13

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    Julie is very knowledgeable. A Rock Star of Mortgages! Kept me up to date at all times and explained it very well. She got the loan through so fast we closed 11 days after my offer was accepted! Who does that? Julie Carroll that’s who!

    Terrance W.

    Fort Wayne, IN, March 3rd, 2024 03:52 PM

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Why should you choose Ruoff?

70

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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.

** 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. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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