
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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Proudly serving Indiana
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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
Awards & Achievements

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
11x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
My Latest Blogs
What Makes a Home Hold Its Value Over Time?
Aug 25, 2026
When you're buying a home, it's easy to focus on the things you can see—beautiful kitchens, updated bathrooms, or a spacious backyard.
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My Favorite Hidden Gems Around Northeast Indiana
Aug 18, 2026
One of my favorite things about living in Northeast Indiana is that there's always something new to discover. While Fort Wayne has plenty of well-known attractions, some of the best places are the ones that don't always make the "must-see" lists.
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Should You Buy an Older Home or New Construction?
Aug 11, 2026
One of the first questions many homebuyers ask is, "Should I buy an older home or build something brand new?"
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Experience the Ruoff Advantage
At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*



