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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.

98.79% 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.

98.79% 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!

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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.

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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    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.

    Columbia City, IN, July 3rd, 2023 09:41 AM

  • Review 2

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    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.

    Fort Wayne, IN, August 19th, 2023 10:55 PM

  • Review 3

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    Tracy made our home buying experience awesome. She was very helpful every step of the way. Definitely would recommend her!!

    Eileen K P.

    Huntington, IN, August 12th, 2024 07:47 PM

  • Review 4

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    Tracy Adams and her team went above and beyond ! Tracy made us feel like family!

    George W M.

    Huntington, IN, August 11th, 2024 03:24 PM

  • Review 5

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    Tracy was honest, easy to talk to, and explained everything perfectly.

    Ashley R B.

    Columbia City, IN, July 30th, 2024 11:05 AM

  • Review 6

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    Tracy was just excellent. So personable and easy to talk to.

    Clair A S.

    Leo, IN, August 6th, 2024 12:39 PM

  • Review 7

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    Tracy is seriously the best! She was my loan officer on my first house buying experience so i had to use her on my second home purchase. She makes me feel like family through the whole experience!

    Jared A.

    Auburn, IN, August 6th, 2024 03:05 PM

  • Review 8

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    Tracy treated us like family! Above and beyond! Highly recommend Tracy ! She made experience simple!

    Chad A D.

    Fort Wayne, IN, August 8th, 2024 11:10 AM

  • Review 9

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    Tracy and her team are "the best". Communication was excellent. Phone calls, text messages and emails kept me updated with the process. They showed kindness and that they cared about me.

    Gail S.

    Huntertown, IN, July 2nd, 2024 11:35 AM

  • Review 10

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    Tracy was awesome! Made us feel like family!

    Joni R K.

    Fort Wayne, IN, June 28th, 2024 12:18 PM

  • Review 11

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    Tracy went above and beyond to help us out through this whole process. She was able to get us closed in 2 weeks! I cannot express enough how thankful and lucky we were to work with her!

    Alexis M C.

    Fort Wayne, IN, June 19th, 2024 11:56 AM

  • Review 12

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    Tracy is a gem. She was the literal best thing about my experience. She communicated constantly and was a wonderful sounding board. My appraisal got fairly complicated d/t some federal issues, but Tracy made it work. Over 10 years ago, I met Tracy and always knew she was the one, and she was! Thanks to Ruoff and Tracy, my family got the upgrade I know we all deserve and my kids are now living a life that I am so proud I was able to give. Tracy has a pic of the kids on the diving board for their first seasonal swim!

    Shauna M. S.

    Fort Wayne, IN, June 13th, 2024 11:24 AM

  • Review 13

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    Tracy is amazing, and very patient. Even up until a few days before closing, she was advising us and answering questions. Just a pleasure to work with! She goes above and beyond to help make the process easy.

    JOSIAH T S.

    Fort Wayne, IN, June 3rd, 2024 06:38 PM

  • Review 14

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    Just overall great person to work with. Very good at her job!!!

    Jeffrey R D.

    Fort Wayne, IN, May 6th, 2024 01:10 PM

  • Review 15

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    Tracy was incredible!! She was suggested to us by family and we are so thankful she was. She made the process so easy and painless. We look forward to working with her in the future!

    Robert F E.

    New Haven, IN, May 9th, 2024 08:27 AM

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Why should you choose Ruoff?

68

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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Call me at 260.615.4761 or message me below!

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