Julie Carroll, Ruoff Mortgage

Additional Licenses: NMLS# 272049. For me, mortgage lending is about much more than numbers—it’s about helping people feel confident and supported through one of the biggest financial decisions they’ll make. As a Mortgage Loan Officer with The Carroll Team at Ruoff Mortgage, I’m passionate about making the home financing process as simple and stress-free as possible. Whether you’re buying your very first home, moving into a home that better fits your next chapter, purchasing an investment property, or refinancing your current home, I’m here to provide honest guidance, responsive communication, and personalized service from application through closing. I work with a variety of home financing options, including conventional loans, FHA loans, VA loans, USDA loans, first-time homebuyer programs, and down payment assistance options. Every buyer and every situation is different, so my goal is to help you understand your options and find a financing solution that makes sense for you. I believe you should never feel like just another loan number. I’ll keep you informed, answer your questions, and make sure you know what to expect throughout the process. Buying a home can feel overwhelming—but having the right people in your corner can make all the difference. Proudly serving homebuyers and homeowners throughout Indiana.