Doug Carroll
Senior Loan Officer
NMLS: 173634 | OH: MLO.050196.000
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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98.89%
Customer Satisfaction Score.
Awards
23
Years of helping homeowners like you.
Proudly serving Florida, Indiana, Michigan, Ohio
Meet our happy homeowners***
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Loans Designed to Meet Your Individual Needs
Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.
A Bit About Me
A mortgage is more than a transaction. It's a foundational piece of a family's financial future. Since 2014 with Ruoff Mortgage, my wife Julie and I have run the Carroll Team, bringing over twenty years of partnership to every file. Whether you're buying a starter home or building a forever home, we focus on clear explanations, efficient timelines, and long-term stability. My process pairs disciplined organization with genuine availability, so your questions never linger. Outside work I run our Crispy Cones franchise on Illinois Road, stay active at the gym, and follow local sports, all of which keep me grounded in the community I serve. Let's talk about your next step and get you moving in and making memories.
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
10x WinnerAwarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.
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.
We offer a comprehensive suite of home loan products, including conventional, FHA, VA, USDA, jumbo, and reverse mortgages, for both purchases and refinances. We specialize in unique financing options like renovation loans, new construction loans, and specialized programs such as HomeNow™ down payment assistance.
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.
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.
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My Latest Blogs
Should You Pay Off Debt Before Buying a Home?
Aug 19, 2026
One of the most common questions I hear from homebuyers is:
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What Can Delay a Home Closing? And How to Avoid It.
Aug 12, 2026
Buying a home is exciting, especially when you've found the one and your offer has been accepted. At that point, it's natural to start picturing moving day, arranging furniture, and planning your new routine.
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What Happens Between "Clear to Close" and Closing Day?
Aug 5, 2026
What Happens Between "Clear to Close" and Closing Day?
Read More
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At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*