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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.

99.60% 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.

99.60% 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.

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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*

  • 5.0
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    You guys were very down to earth and helpful.

    Dakota W P.

    Winamac, IN, April 5th, 2024 11:02 AM

  • 5.0
    Rating source icon

    The entire process went very quickly and smoothly. The communication about information needed or any issues were addressed and fixed quickly. Everyone is really friendly and keep you updated throughout the process of what to expect to happen next. Any questions are answered and explained so you understand them. At closing they celebrate with you and are very thoughtful! They make you feel like you’re part of their team. We will definitely be highly recommending them to our friends and family! Thank you so much for this wonderful journey and helping us achieve our dream home! 🏠 Chris & Mandy Boettcher

    Christopher M B.

    Plymouth, IN, May 13th, 2024 12:14 PM

  • 5.0
    Rating source icon

    Had USDA Loan. They move super quick! Closed within 20 days of making my offer! Also got me to close with absolutely ZERO closing costs. Jessica and Tammy was a pleasure to work with! Super prompt and kept in touch with my self and my realtor Leah Zellers! 10/10 recommend Ruoff!

    Breanna K B.

    Walkerton, IN, December 18th, 2023 12:09 PM

  • 5.0
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    Jessica was great to work with, she answered all my questions in a timely matter and made the process move quickly and smoothly.

    Carissa R Z.

    Rochester, IN, June 30th, 2024 08:38 PM

  • 5.0
    Rating source icon

    Great communication through the process even when it went on for months kept her cool would recommend her to every serious buyer

    Timothy E S.

    Tippecanoe, IN, June 28th, 2024 02:47 PM

  • 5.0
    Rating source icon

    Super easy process with rare stops at the office, we were very pleased with the ease of being able to upload everything online and the fast email response times from everyone.

    Jose L.

    Plymouth, IN, June 9th, 2024 03:11 PM

  • 5.0
    Rating source icon

    Jessica was on top of things and made it less stressful

    Laura J S.

    Akron, IN, May 21st, 2024 11:23 AM

  • 5.0
    Rating source icon

    There is nothing that can be changed Jessica made it really easy. She cares and is a professional

    Matthew R M.

    Bremen, IN, December 4th, 2023 06:29 PM

  • 5.0
    Rating source icon

    Every step was very simple and Jessica explained and walked us through every step and options that came with that step. Our purchase/selling of properties was a long drawn out process but we were constantly in communication and if something came up or needed to be addressed it was super easy to get it handled even with our busy work schedules.

    Andrew J E.

    Etna Green, IN, May 12th, 2024 05:13 AM

  • 5.0
    Rating source icon

    Jessica was super helpful with everything! She was very patient and quick to answer any question we had through the entire process.

    John E B.

    Elkhart, IN, April 21st, 2024 09:19 PM

  • 5.0
    Rating source icon

    Absolutely nothing, everything was fantastic

    Daniel B.

    April 4th, 2023 07:34 AM

  • 5.0
    Rating source icon

    It was a smooth, quick and positive experience. Jessica was wonderful to work with.

    Colleen K.

    Culver, IN, May 30th, 2023 08:51 PM

  • 5.0
    Rating source icon

    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.

    Victoria B H.

    Knox, IN, June 17th, 2023 05:48 PM

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Why should you choose Ruoff?

70

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.

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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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I would love to hear from you!

Call me at 574.933.1823 or message me below!

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