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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 Tracy Adams
Picture of Tracy Adams

Hi, I'm Tracy!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Hi, I'm Tracy!

Senior Loan Officer

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

99.00% Customer Satisfaction Rating

Let me help you get pre-approved today!

I began my career with Ruoff Mortgage as a loan processor. This experience served me well when in 2004, I was presented with the opportunity to originate home loans. In a few short years, I was elevated to Senior Loan Originator. I am a highly motivated, results driven person who places a strong emphasis on providing high level client service.

I enjoy serving on the board for the YMCA of Greater Fort Wayne as well as being an active member of the organization. I am highly involved in my children's school activities at both Bishop Dwenger and Purdue University.

Customer service is very important to me and I make my clients well aware of that fact. I will work around my client's schedules by meeting on evenings and weekends, whichever is more convenient. I let all of my clients know that they can call me anytime, day or night, I am always available.

Ruoff has been providing home loans to Hoosier families since 1984. The Ruoff Mortgage Team have a full spectrum of products and services to offer clients who are looking for low costs, competitive rates, sound advice and that hometown lender feeling.

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

  • Tracy and her team were awesome to work with! She was always a phone call away to answer any questions or help explain the whole process. She made us first time home buyers feel relaxed and comfortable throughout the whole process. I would recommend Tracy and her team any day!

    Andrea G, happy client
  • Tracy is great! She made everything so easy. The process was very smooth. I really enjoyed working with her.

    Shannon C, happy client
  • Even though I had never met Tracy before I applied for this loan and actually never met her until closing, I felt like I had known and worked with her my whole life. Very remarkable individual. I would highly recommend Tracy and Ruoff to anyone at anytime.

    Matthew G, happy client
  • Tracy & her team as always were great to work with. Always keeping me updated on the process as it moved along. I will never work with another mortgage company. Tracy & her team are the best.

    Renee L, happy client
  • Tracy was great to work with, and easy to get along with. She is very informational.

    Morgan S, happy client
  • Tracy has gone above and beyond for us on both our refi and our recent new home purchase. She is available by text, phone or email and has really great communication.

    John G, happy client
  • Tracy went above & beyond. I couldn't have asked for a better person. She kept me calm & reassured through everything.

    Julie M, happy client
  • Everyone was pleasant and Tracy went above and beyond to make sure I understood every step of the loan process.

    Mary H, happy client
  • Tracy and her team answered all questions and explained every step along the way. Love her!

    Gelaine Sue D, happy client
  • I have worked with Tracy in the past and referred my adult children to her as well. Tracy is an industry expert. She makes a serious financial process easy with a little fun along the way. I felt supported throughout the process!

    Julie N, happy client
  • Tracy was very personable and always there for us at any time.

    Justin G, happy client
  • Tracy is one of my favorite people ever! I will always use her for my home loans!

    Andrea S, happy client

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 (260) 385-0096 or message me below!

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