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Julie Spangler

Senior Loan Officer

NMLS: 339319

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

95.3%

Customer Satisfaction Score.

Scotsman Guide Award

Awards

Proudly serving Illinois, Indiana

Meet our happy homeowners***

View All Testimonials

Review 1

Aaron D R.

Valparaiso, IN, May 5, 2024, 10:51 PM

5.0

Julie was amazing and was very helpful every step of the way. We had lots of questions and she was always a text or call away with a quick response. Loved working with her!

Review 2

Amanda Michele C.

Hobart, IN, Jun 23, 2026, 4:02 PM

5.0

As a first-time home buyer in Hobart, Indiana, I was nervous about the process, but Julie made everything simple and stress-free. I’m grateful she helped me find and qualify for down payment assistance program. Throughout the entire transaction, Julie was responsive, knowledgeable, and always willing to answer my questions. The process was seamless from start to finish, and I always felt like she had my best interests in mind.

Review 3

Pamella C.

Lowell, IN, Apr 18, 2026, 11:27 PM

5.0

Julie was very confident and informativ. She really knows her stuff!

Review 4

Lex C.

Lowell, IN, Apr 14, 2026, 3:12 PM

5.0

Julie Spangler was the best to work with. I switched over to Ruoff from another lender, and boy am I happy that I did. Ruoffs Portal along with our loan officer Julie updated us as soon as there was any progress in the process, it was great no guessing what's next or what's happening like you do with other lenders. I highly recommend Ruoff mortgage and Julie Spangler.

Review 5

Sequoya E.

New Carlisle, IN, Oct 24, 2025, 3:13 PM

5.0

Julie made it super easy, to understand and navigate!

Review 6

Jeffrey D K.

Crown Point, IN, Aug 18, 2025, 12:31 AM

5.0

Excellent, Julie was awesome!

Review 1

Aaron D R.

Valparaiso, IN, May 5, 2024, 10:51 PM

5.0

Julie was amazing and was very helpful every step of the way. We had lots of questions and she was always a text or call away with a quick response. Loved working with her!

Review 2

Amanda Michele C.

Hobart, IN, Jun 23, 2026, 4:02 PM

5.0

As a first-time home buyer in Hobart, Indiana, I was nervous about the process, but Julie made everything simple and stress-free. I’m grateful she helped me find and qualify for down payment assistance program. Throughout the entire transaction, Julie was responsive, knowledgeable, and always willing to answer my questions. The process was seamless from start to finish, and I always felt like she had my best interests in mind.

Review 3

Pamella C.

Lowell, IN, Apr 18, 2026, 11:27 PM

5.0

Julie was very confident and informativ. She really knows her stuff!

Review 4

Lex C.

Lowell, IN, Apr 14, 2026, 3:12 PM

5.0

Julie Spangler was the best to work with. I switched over to Ruoff from another lender, and boy am I happy that I did. Ruoffs Portal along with our loan officer Julie updated us as soon as there was any progress in the process, it was great no guessing what's next or what's happening like you do with other lenders. I highly recommend Ruoff mortgage and Julie Spangler.

Review 5

Sequoya E.

New Carlisle, IN, Oct 24, 2025, 3:13 PM

5.0

Julie made it super easy, to understand and navigate!

Review 6

Jeffrey D K.

Crown Point, IN, Aug 18, 2025, 12:31 AM

5.0

Excellent, Julie was awesome!

Review 7

Shasta J A.

North Judson, IN, May 16, 2025, 3:17 PM

5.0

Very good with answering ask questions and concerns and very patient with me

Review 8

Diego A A.

Galesburg, IL, May 5, 2025, 3:05 PM

5.0

Julie was able to understand our situation from the very beginning and also understood our needs and wants to guide un on what was best for us to be able to obtain our home. Thank you for all the work and dedication we are happy to have completed the loan process through you without a doubt.

Review 9

Octavia F.

Gary, IN, Jul 1, 2024, 3:27 PM

5.0

Julie was excellent. She was quick and efficient. Things move very smoothly she communicated everything that was going on and everything I needed to do to keep things on track. I greatly appreciate Julie for her work

Review 10

Linda M B.

Chesterton, IN, May 22, 2024, 1:52 AM

5.0

Julio is awesome. She told me what information I needed to gather, kept me on track and helped me understand the whole process. She is an excellent representative for your company. She is a knowledgeable and thoughtful professional guiding me through a process i have seldomly encountered. I am lucky to have her help me through the process.

Review 11

Rachael P.

Hammond, IN, Aug 22, 2024, 3:28 PM

5.0

Communication

Review 12

John E L.

MONTICELLO, IN, Jul 9, 2024, 1:03 PM

5.0

Julie was awesome through out the whole process !!! Would recommend her and Ruoff to everyone…. Thank you for making us so Happy !!

Review 13

Trina K.

Crown Point, IN, Jul 22, 2024, 3:09 PM

5.0

The whole process was very smooth!

Review 7

Shasta J A.

North Judson, IN, May 16, 2025, 3:17 PM

5.0

Very good with answering ask questions and concerns and very patient with me

Review 8

Diego A A.

Galesburg, IL, May 5, 2025, 3:05 PM

5.0

Julie was able to understand our situation from the very beginning and also understood our needs and wants to guide un on what was best for us to be able to obtain our home. Thank you for all the work and dedication we are happy to have completed the loan process through you without a doubt.

Review 9

Octavia F.

Gary, IN, Jul 1, 2024, 3:27 PM

5.0

Julie was excellent. She was quick and efficient. Things move very smoothly she communicated everything that was going on and everything I needed to do to keep things on track. I greatly appreciate Julie for her work

Review 10

Linda M B.

Chesterton, IN, May 22, 2024, 1:52 AM

5.0

Julio is awesome. She told me what information I needed to gather, kept me on track and helped me understand the whole process. She is an excellent representative for your company. She is a knowledgeable and thoughtful professional guiding me through a process i have seldomly encountered. I am lucky to have her help me through the process.

Review 11

Rachael P.

Hammond, IN, Aug 22, 2024, 3:28 PM

5.0

Communication

Review 12

John E L.

MONTICELLO, IN, Jul 9, 2024, 1:03 PM

5.0

Julie was awesome through out the whole process !!! Would recommend her and Ruoff to everyone…. Thank you for making us so Happy !!

Review 13

Trina K.

Crown Point, IN, Jul 22, 2024, 3:09 PM

5.0

The whole process was very smooth!

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

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Julie Spangler

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way. As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

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.

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.*

Proudly serving Illinois, Indiana

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

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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.