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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.

98.15% 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.

98.15% 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

  • Review 1

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    Jessica was responsive, thorough, polite, and easy to work with. I communicated my desire of wanting to close prior to my birthday if possible. Jessica was very transparent and provided a realistic timeline of events verbally, (along with LoanButler that gave virtual timeline progression live) and answered all my questions as they arised. When the time came to include other team members in the process Jessica made introductions to the person to ensure a seamless continuation of the process. Tammi assisted with much of the close process during the underwriting stage and she was also very responsive, quick, and wonderful to work with. I beyond impressed with the service that Ruoff was able to provide for my mortgage processing. What I thought was going to be a huge headache, turned out to be a rather pleasant experience, thanks to their hard work! My mortgage closing was able to occur 11 days prior to my birthday. Happy Birthday to me :) Thank you Jessica, Tammi, Ruoff Team, and Fretz Abstract Company. I appreciate you!

    Amy A.

    CULVER, IN, September 2nd, 2024 09:29 PM

  • Review 2

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    Jessica was very patient and flexible with me as I didn’t remember a lot from the first time I worked with her. This was another great experience nonetheless!! :)

    Caden A G.

    Plymouth, IN, July 18th, 2024 11:24 AM

  • Review 3

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    Jessica was quick to answer any and all questions for us. She took the time to explain things from start to finish so we knew what was happening and where we were at in the process.

    Hanna C.

    Culver, IN, October 21st, 2024 09:05 AM

  • Review 4

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    Jessica always kept me in the loop. If she wasn't available when I called I heard back from her within no more than 24 hours. She was very friendly and made me feel she really cared for me and wanted to help me.

    Rachael G.

    Peru, IN, October 17th, 2024 11:18 AM

  • Review 5

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    Everyone was great!!!

    Liam T. W.

    South Bend, IN, October 14th, 2024 11:09 AM

  • Review 6

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    Jessica was very sweet and communicated every step of the way and explained everything perfectly! She made the process fast and smooth!

    Guadalupe S.

    Plymouth, IN, October 3rd, 2024 01:18 PM

  • Review 7

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    Overall, I think this whole process was very well organized.

    Noe S.

    Plymouth, IN, October 3rd, 2024 12:18 PM

  • Review 8

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    Every thing

    James A W.

    Wyatt, IN, September 25th, 2024 12:12 PM

  • Review 9

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    Friendly people

    Nancy A A.

    Rochester, IN, September 16th, 2024 11:07 AM

  • Review 10

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    Jessica was excellent at making sure that we stayed on schedule and that she received everything from us in a timely manner. Jessica also, went above and beyond talking through all of our options when making our home purchase. Would highly recommend Jessica and Ruoff to others. Thanks!

    Tyler F.

    South Bend, IN, September 9th, 2024 09:43 AM

  • Review 11

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    Jessica made the process smooth and easy!! She has great communication skills!

    Kari S F.

    South Bend, IN, September 7th, 2024 06:38 AM

  • Review 12

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    She helped me a lot with the process , I will definitely recommend her 😊

    Rafael J.

    Plymouth, IN, August 13th, 2024 02:04 PM

  • Review 13

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    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

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Why should you choose Ruoff?

66

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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I would love to hear from you!

Call me at 574.933.1823 or message me below!

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