Ruoff Mortgage
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Jessica Prater

Senior Loan Officer

NMLS: 1460089

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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Jessica

98.38%

Customer Satisfaction Score.

Scotsman GuideRuoff Experience Award WinnerRuoff Experience Award Winner

Awards

10

Years of helping homeowners like you.

Proudly serving Indiana, Michigan

Jessica Prater

A Bit About Me

With over 20 years in the real estate industry and 10+ years of those as a Senior Loan Officer with Ruoff Mortgage, I’m proud to serve homeowners in Marshall, Fulton, and Starke Counties, as well as throughout Indiana and Michigan. As a local lender, I’m passionate about helping families in our community achieve homeownership. Whether you’re a first-time home buyer, upgrading, downsizing, relocating, or refinancing, I will help guide you through a smooth mortgage process. I offer a wide range of loan options including Conventional, FHA, VA, USDA, and down payment assistance programs. Every borrower’s situation is unique!

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Ruoff Customer Experience Award

Ruoff Customer Experience Award

Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.

Meet our happy homeowners***

View All Testimonials

Emili J.

Beech Grove, IN, Jun 16, 2025, 5:55 PM

As a first time home buyer, Jessica was incredible at keeping me informed throughout the whole process. She took the time to explain everything to me and was always available for questions. She is also so friendly and enjoyable to work with! Highly reccomend her.

Evan T. W.

Walkerton, IN, Nov 23, 2025, 12:13 PM

Jessica did an amazing job. She was very helpful working through all the hoops we had to jump through. Any questions i I had she always had the answer or would find the answer, and she responded very quickly.

Alexandria A.

Mishawaka, IN, Aug 1, 2026, 2:34 PM

So grateful for Jess! She is alway so informative and explains things in a way that are easy to understand. She makes sure all your questions are answered. Its apparent she knows her job well. She is prompt to respond, even in the evenings and weekends. We will continue to use Jess as our loan officer in the future.

Victoria B H.

Knox, IN, Jun 17, 2023, 9:48 PM

Jessica was very attetentive and worked quickly to help secure our loan after we had fallen out of underwriting with our bank originally. She made everything very easy.

Kenneth M V.

Rochester, IN, Jun 18, 2023, 7:10 PM

Was in a pinch due to another lender backing out on me and Jessica made it happen as fast as possible and was answering all questions day and night to get the job accomplished.

Angela D R.

Plymouth, IN, Jun 23, 2023, 5:00 PM

Jess gave great personal assistance to me on getting loan, as did her assistant Tammi.

Aaron J V.

Plymouth, IN, Jun 25, 2023, 4:05 AM

Jessica was fantastic as always.

Emili J.

Beech Grove, IN, Jun 16, 2025, 5:55 PM

As a first time home buyer, Jessica was incredible at keeping me informed throughout the whole process. She took the time to explain everything to me and was always available for questions. She is also so friendly and enjoyable to work with! Highly reccomend her.

Evan T. W.

Walkerton, IN, Nov 23, 2025, 12:13 PM

Jessica did an amazing job. She was very helpful working through all the hoops we had to jump through. Any questions i I had she always had the answer or would find the answer, and she responded very quickly.

Alexandria A.

Mishawaka, IN, Aug 1, 2026, 2:34 PM

So grateful for Jess! She is alway so informative and explains things in a way that are easy to understand. She makes sure all your questions are answered. Its apparent she knows her job well. She is prompt to respond, even in the evenings and weekends. We will continue to use Jess as our loan officer in the future.

Victoria B H.

Knox, IN, Jun 17, 2023, 9:48 PM

Jessica was very attetentive and worked quickly to help secure our loan after we had fallen out of underwriting with our bank originally. She made everything very easy.

Kenneth M V.

Rochester, IN, Jun 18, 2023, 7:10 PM

Was in a pinch due to another lender backing out on me and Jessica made it happen as fast as possible and was answering all questions day and night to get the job accomplished.

Angela D R.

Plymouth, IN, Jun 23, 2023, 5:00 PM

Jess gave great personal assistance to me on getting loan, as did her assistant Tammi.

Aaron J V.

Plymouth, IN, Jun 25, 2023, 4:05 AM

Jessica was fantastic as always.

Kaelee S.

Feb 13, 2023, 7:20 PM

Jessica did a great job with everything! She kept us very informed and was so helpful. Couldn’t imagine going through this process with any other company!

Robert T.

Feb 21, 2023, 6:24 AM

I couldn't have asked for a better loan officer than Jessica thank you so much

Jeanne L W.

Knox, IN, Aug 2, 2023, 4:48 PM

Jessica has always done awesome whenever I have dealt with her on previous occasions including this most recent one. Which makes the 3rd time :)

Chad R W.

Rochester, IN, Aug 4, 2023, 4:29 PM

Jessica and the Ruoff team did very well and were very speedy with the service, even though we had to wait numerous times on the sellers bank

Emily C T.

Hamlet, IN, Aug 7, 2023, 11:00 PM

I thought Jessica was absolutely wonderful and we would not have changed a thing!! For two years we have worked our butts off to get a house of our own and Jessica was there every step of the way with us. She got us to where we needed to be by explaining and showing what we needed to do! Very pleased and so incredibly thankful for all that she has done! God bless her!!

Rodney W M.

PLYMOUTH, IN, Aug 11, 2023, 10:21 PM

Great communication and prompt service!

Gwen H.

Rochester, IN, Aug 15, 2023, 6:38 PM

This is the 2nd time I have worked with Jessica and she is the best! I will always recommend her!!

Courtney D W.

Rochester, IN, Aug 19, 2023, 4:13 PM

Jessica was amazing. She made the whole process easy and stress free. She really went above and beyond and would highly recommend her to everyone!

Kaelee S.

Feb 13, 2023, 7:20 PM

Jessica did a great job with everything! She kept us very informed and was so helpful. Couldn’t imagine going through this process with any other company!

Robert T.

Feb 21, 2023, 6:24 AM

I couldn't have asked for a better loan officer than Jessica thank you so much

Jeanne L W.

Knox, IN, Aug 2, 2023, 4:48 PM

Jessica has always done awesome whenever I have dealt with her on previous occasions including this most recent one. Which makes the 3rd time :)

Chad R W.

Rochester, IN, Aug 4, 2023, 4:29 PM

Jessica and the Ruoff team did very well and were very speedy with the service, even though we had to wait numerous times on the sellers bank

Emily C T.

Hamlet, IN, Aug 7, 2023, 11:00 PM

I thought Jessica was absolutely wonderful and we would not have changed a thing!! For two years we have worked our butts off to get a house of our own and Jessica was there every step of the way with us. She got us to where we needed to be by explaining and showing what we needed to do! Very pleased and so incredibly thankful for all that she has done! God bless her!!

Rodney W M.

PLYMOUTH, IN, Aug 11, 2023, 10:21 PM

Great communication and prompt service!

Gwen H.

Rochester, IN, Aug 15, 2023, 6:38 PM

This is the 2nd time I have worked with Jessica and she is the best! I will always recommend her!!

Courtney D W.

Rochester, IN, Aug 19, 2023, 4:13 PM

Jessica was amazing. She made the whole process easy and stress free. She really went above and beyond and would highly recommend her to everyone!

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.

Man and Woman laughing and smiling as being handed keys to their new home.

Frequently Asked, Frequently Answered

Starting with clear, direct answers to the questions that matter most to your future.

A couple looking at a phone smiling.

Refinancing with Ruoff Mortgage is a straightforward process designed to help you meet your financial goals – whether that’s lowering your monthly payment, shortening your loan term, or accessing cash from your home’s equity. I’ll guide you through your options and help you decide if refinancing makes sense for you.

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.

Closing costs typically range from 2-5% of the home’s purchase price and cover fees like appraisals, title insurance, and loan processing.

PMI is insurance for the lender if you put less than 20% down on a home. It can be removed once you build enough equity.

Yes, you can buy a home while paying off student loans, even with significant debt, as long as you meet credit, income, and debt-to-income (DTI) requirements. Ruoff Mortgage assesses your total monthly payments, not just the total loan balance, to determine affordability. 

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.

Using the equity you have in your home, cash-out refinancing allows you to take out a new mortgage for more than you owe and receive the difference in cash to use for expenses like home improvements or paying off debt.

Have a question we didn't cover?

Ask me directly.

Text Jessica

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

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 Indiana, Michigan

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.