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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

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reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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Picture of Jessica Prater
Picture of Jessica Prater

Hi, I'm Jessica!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.55% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award
Customer Experience Award

Hi, I'm Jessica!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.55% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award
Customer Experience Award

Let me help you get pre-approved today!

My love for homeownership began in 2006. I started my career in the real estate industry at a well-known local title company. You can say I was young and eager to learn! I loved the relationships I built with Real Estate Agents, Attorneys, Loan Officers, Buyers, and Sellers. I was hooked!

In 2016, I decided to make a career change and ventured into the mortgage side....and I have not looked back!

I love the people I meet on all sides of the closing table. Many of them I know within my community. My husband and two young children are very active in sports and clubs. I served on the Board of Directors for the local Boys & Girls Clubs of Marshall County and played a major role in their annual fundraisers. I am also an active volunteer with our local Junior Achievement chapter. My love for my community shines through as a mortgage banker. I love to help families obtain their dream of homeownership!

I am also a mortgage specialist with Homes for Heroes®. The Nationwide organization with the sole purpose of giving back to our local heroes. I have many connections to our local heroes and I take great pride in my partnership.

When heroes work with Homes for Heroes® affiliate real estate, mortgage, and local business specialists, they receive Hero Rewards® savings when buying, selling, or refinancing a home; or when making every day home-related purchases. Thank you to our local heroes: Firefighters and EMS, Law Enforcement, Military (Active, Reserves, and Veterans), Healthcare Professionals, Teachers.

Get Started

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


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*

  • Working with Jessica made the whole refinance process a breeze. Any questions that I had were always answered quickly and completely. The updates I received gave me confidence and peace of mind that my loan processing was moving right along. Without hesitation, I would recommend Ruoff and reaching out to Jessica to anyone looking to purchase or refinance a home!

    Kimberly E, happy client
  • Jessica was amazing and upfront with how it all worked. I am sure I was annoying asking question after question and she was super nice and explained until I understood and answered back in a timely manner!

    Lesley B, happy client
  • Jessica and Tammi made this process so easy; even my realtor was astounded at how smoothly everything went, from application for pre-approval to signing day!

    Heather G, happy client
  • Jessica’s friendliness, confidence, and professionalism is what I admired most.

    Angela F, happy client
  • Communication was great! Jessica made sure to get us what we wanted and even went above and beyond.

    Morgan E, happy client
  • Jessica was very attentive and worked hard for our loan to go through.

    Edward H, happy client
  • Jessica was great at helping us understand our options when refinancing.

    Ryan C, happy client
  • 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!

    Kaelee S, happy client
  • The whole process went very smooth! There was literally no stress in any way! Jessica Prater made me feel so comfortable about this whole thing, it literally took me a couple days after closing to even realize the process was done! A++ on service, would highly recommend to anyone buying a house!

    William D, happy client
  • Everything went great, Jessica is so nice and she is great at her job!

    Rodney H, happy client
  • Ruoff knows what they are doing and are really good with helping first time homebuyers understand their loan and what other loan options are available to them.

    River W, happy client
  • Jessica was amazing!

    Brett H, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

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.

Stay connected.

I would love to hear from you!

Call me at 574.933.1823 or message me below!

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