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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.

99.16% 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.

99.16% 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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    Everything was made clear to us we knew our own role and trusted everyone who helped us in their own . We had no issues what so ever and everything that the Ruoff team did was in the best intentions towards us and our hopes to finding our home. We had an amazing team and we will always recommend them

    Alexandra G.

    Warsaw, IN, November 22nd, 2024 12:48 PM

  • Review 2

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    The team was on top of everything, letting us know what was next and how the process worked. Julie and Ashley both answered questions and got with our companies for insurances to get things fixed and set up so we could close earl.

    Seth Maxwell B.

    Warsaw, IN, November 22nd, 2024 11:06 AM

  • Review 3

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    Julie is a great communicator!

    John H M.

    Fort Wayne, IN, November 11th, 2024 11:08 AM

  • Review 4

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    I have some medical issues. Julie and her assistant were very patient explaining things so I could understand the process. Thank you Ruoff Mortgage, Julie, and Ashley! It's the first good Christmas I've had in a while. MERRY CHRISTMAS all!

    John C C.

    Fort Wayne, IN, December 22nd, 2024 11:52 AM

  • Review 5

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    Always responded to calls texts or emails right away

    Joshua Andrew M.

    Avilla, IN, December 20th, 2024 05:51 AM

  • Review 6

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    Julie and her team were great at communicating, they were very personable, and prompt throughout the whole process. We will absolutely be returning to Julie in the future because of our great experiences with her.

    Bryce H.

    Leesburg, IN, September 30th, 2024 06:37 PM

  • Review 7

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    Julie and Ashley were exceptional. Their transparency, comminication, bed-side manner, and knowledge made this entire process seamless. I will HIGHLY recommend them to friends and family. And WILL seek to use their expertise in the future, should I need it.

    Matthew J B.

    Fort Wayne, IN, October 3rd, 2024 11:07 AM

  • Review 8

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    Julie made everything very easy and fast! She's awesome! As a first time home buyer, we weren't sure what to expect and she made it an wonderful experience! Definitely recommend her and will be contacting her for future houses!

    Alison Marie M.

    Fort Wayne, IN, October 7th, 2024 12:38 PM

  • Review 9

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    It was fast and easy, it was fun and wasn't a hassle

    Jacob P M.

    Ossian, IN, November 4th, 2024 12:12 PM

  • Review 10

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    The process was made very easy and Julie kept me up to date with my loan status.

    Audrey B.

    Auburn, IN, October 14th, 2024 11:08 AM

  • Review 11

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    Julie was fantastic! Kept me up to date at all the right times, made sure everything was crystal clear, and is a pleasure to talk with. She helped me through purchasing my first home, & now refinancing it. I would not hesitate to recommend her.

    Morgan E H.

    Fort Wayne, IN, October 11th, 2024 12:56 PM

  • Review 12

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    Julie was very organized! Very thankful for that.

    Brandon J B.

    Fort Wayne, IN, October 7th, 2024 11:14 AM

  • Review 13

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    Julie always made sure to check on me. Made sure I was comfortable with everything just made the loan process of home buying easier and stress free.

    Timothy S S.

    Decatur, IN, September 17th, 2024 03:03 PM

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Why should you choose Ruoff?

65

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.

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.

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Call me at 260.460.7552 or message me below!

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