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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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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
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
Tracy and the rest of the Ruoff team turned our home buying experience around as we were working with a different lender prior who wasn't providing the knowledge and advise we were needing. We couldn't have done this without Ruoff!
John Anthony M.Fort Wayne, IN, July 26th, 2026 01:43 PM
We wouldn't have had our offer accepted if it wasn't for Tracy's ability to process the loan as quick as she did. Tracy and her team did an amazing job.
Daniel J C.Fort Wayne, IN, July 24th, 2026 01:25 PM
Working with tracy made everything so much easier. We were terrified of getting our first house but working with her was easy!
Braydon S.Fort Wayne, IN, July 21st, 2026 11:08 AM
Tracy was great to work with! She took care of us and made sure we got the best rate possible and understood everything throughout the process.
Natalie K M.Columbia City, IN, July 5th, 2023 12:42 PM
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.January 12th, 2023 12:40 PM
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.January 26th, 2023 10:58 AM
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.May 1st, 2023 03:30 AM
Tracy was absolutely amazing! Always quick to respond and on top of everything. She made the process easy and exciting.
Angela E.May 2nd, 2023 08:27 AM
Everything was great from the whole team! Very pleased with the process and mentoring throughout our home purchase.
Justin R M.FORT WAYNE, IN, July 25th, 2023 12:04 PM
Tracy and her team were absolutely great to work with. I would highly recommend them to anyone in need of a mortgage
Linda M.Kimmell, IN, September 7th, 2023 11:51 AM
Tracy was an absolute pleasure to work with. She and her team were so communicative and easy to talk to.
Taylor M J.FORT WAYNE, IN, September 10th, 2023 12:08 PM
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.Acworth, GA, September 12th, 2023 04:09 PM
Branches throughout
the US.
Customer Satisfaction Score.*
Days or less average
clear-to-close.**
Years of helping
homeowners like you.
Milestones updating you throughout the process.
Minutes at the closing
table on average.
*Based on
2025
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:
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**
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:
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.