High Contrast:
Get Started
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.

99.36% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award
Customer Experience Award

Hi, I'm Tracy!

Senior Loan Officer

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

99.36% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award
Customer Experience Award

Let me help you get pre-approved today!

I’m a Senior Loan Originator with over 20+ years of experience with Ruoff Mortgage. Customer service is very important to me, and my goal is not only to get someone their dream home but for them to realize how much love and care I have for every one of my clients. I will work around my clients’ schedules by meeting on evenings and weekends. I let all of my clients know that they can call me anytime, day or night; I am always available. I am licensed in Indiana, Illinois, Ohio, Florida, Michigan, Wisconsin, Georgia and Texas! 

I enjoy spending my free time riding my bicycle all over Fort Wayne, but most of all, it is spending time with friends and family that brings me the most joy—especially my little grandson and my sister! 

Ruoff has provided home loans in Indiana and the surrounding states since 1984. Not only can Ruoff Mortgage offer the full spectrum of products and services to clients who are looking for low costs, competitive rates, and sound advice, but you also matter—you are NOT just another sales goal or number to us. 

We may not know each other when you apply for a loan, but when all is said and done, you will be like family to me!

Get Started

President's Club Member

President's club seal 2014
President's club seal 2015
President's club seal 2016
President's club seal 2018
President's club seal 2019
President's club seal 2020
President's club seal 2021
President's club seal 2022
President's club seal 2023

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*

  • This is the third time we have worked with Tracy on a home purchase. Tracy is knowledgeable, friendly, and great to work with. She truly makes the process as easy and smooth as possible. We highly recommend Ruoff and Tracy Adams!

    Seth A M, happy client
  • Tracy was just the best! Second time working for its her and definitely not the last. She is a champion for ruoff and her customers!

    Jennifer L W, happy client
  • Tracy stepped up and also walked us through the steps of selling our house for sale by owner. She went above and beyond her job.

    Josh B, happy client
  • Tracy is top notch. She and her team communicate well and timely. Professional and reassuring. You cannot find anyone better than Tracy and her Ruoff Team!!

    Wendy L S, happy client
  • Tracy and her staff were awesome to work with. They were very knowledgeable with what needed to be accomplished and worked with us every step of the way. They all need to be rewarded with a job well done.

    Raymond E, happy client
  • Tracy was upbeat, positive, and all around an amazing individual to work with. She was always available for questions no matter the time of day. Absolutely no negatives.

    Breann A S, happy client
  • Tracy is a great community or and knows her numbers like the back of her hand. Nothing was a surprise at closing or leading up to it.

    Stephanie K, happy client
  • The whole entire process was smooth, fast, and easy. As first time home buyers, we appreciated all the help and resources that were provided.

    Kindra R B, happy client
  • Tracy was absolutely amazing! Always quick to respond and on top of everything. She made the process easy and exciting.

    Angela E, happy client
See More

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 260.615.4761 or message me below!

Download our !