
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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Customer Satisfaction Score.



Awards
10
Years of helping homeowners like you.
Proudly serving Indiana, Michigan
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
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

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

Ruoff Customer Experience Award
Awarded for outstanding commitment to clients, a core component of Ruoff’s philosophy.
Meet our happy homeowners***
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Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.


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


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.
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