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Jessica Prater | NMLS: 1460089

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My love for homeownership began in 2006. I started my career in the real estate industry at a well-known local title company. You can say I was young and eager to learn! I loved the relationships I built with Real Estate Agents, Attorneys, Loan Officers, Buyers, and Sellers. I was hooked!

In 2016, I decided to make a career change and ventured into the mortgage side....and I have not looked back!

I love the people I meet on all sides of the closing table. Many of them I know within my community. My husband and two young children are very active in sports and clubs. I served on the Board of Directors for the local Boys & Girls Clubs of Marshall County and played a major role in their annual fundraisers. I am also an active volunteer with our local Junior Achievement chapter. My love for my community shines through as a mortgage banker. I love to help families obtain their dream of homeownership!

I am also a mortgage specialist with Homes for Heroes®. The Nationwide organization with the sole purpose of giving back to our local heroes. I have many connections to our local heroes and I take great pride in my partnership.

When heroes work with Homes for Heroes® affiliate real estate, mortgage, and local business specialists, they receive Hero Rewards® savings when buying, selling, or refinancing a home; or when making every day home-related purchases. Thank you to our local heroes: Firefighters and EMS, Law Enforcement, Military (Active, Reserves, and Veterans), Healthcare Professionals, Teachers.

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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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    As a first time home buyer, Jessica was incredible at keeping me informed throughout the whole process. She took the time to explain everything to me and was always available for questions. She is also so friendly and enjoyable to work with! Highly reccomend her.

    Emili J.

    Beech Grove, IN, June 16th, 2025 01:55 PM

  • Review 2

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    Jessica did an amazing job. She was very helpful working through all the hoops we had to jump through. Any questions i I had she always had the answer or would find the answer, and she responded very quickly.

    Evan T. W.

    Walkerton, IN, November 23rd, 2025 07:13 AM

  • Review 3

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    It was a smooth, quick and positive experience. Jessica was wonderful to work with.

    Colleen K.

    Culver, IN, May 30th, 2023 08:51 PM

  • Review 4

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    Jessica was very attetentive and worked quickly to help secure our loan after we had fallen out of underwriting with our bank originally. She made everything very easy.

    Victoria B H.

    Knox, IN, June 17th, 2023 05:48 PM

  • Review 5

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    Was in a pinch due to another lender backing out on me and Jessica made it happen as fast as possible and was answering all questions day and night to get the job accomplished.

    Kenneth M V.

    Rochester, IN, June 18th, 2023 03:10 PM

  • Review 6

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    Jess gave great personal assistance to me on getting loan, as did her assistant Tammi.

    Angela D R.

    Plymouth, IN, June 23rd, 2023 01:00 PM

  • Review 7

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    Jessica was fantastic as always.

    Aaron J V.

    Plymouth, IN, June 25th, 2023 12:05 AM

  • Review 8

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    Jessica did a great job with everything! She kept us very informed and was so helpful. Couldn’t imagine going through this process with any other company!

    Kaelee S.

    February 13th, 2023 02:20 PM

  • Review 9

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    I couldn't have asked for a better loan officer than Jessica thank you so much

    Robert T.

    February 21st, 2023 01:24 AM

  • Review 10

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    Jessica has always done awesome whenever I have dealt with her on previous occasions including this most recent one. Which makes the 3rd time :)

    Jeanne L W.

    Knox, IN, August 2nd, 2023 12:48 PM

  • Review 11

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    Jessica and the Ruoff team did very well and were very speedy with the service, even though we had to wait numerous times on the sellers bank

    Chad R W.

    Rochester, IN, August 4th, 2023 12:29 PM

  • Review 12

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    I thought Jessica was absolutely wonderful and we would not have changed a thing!! For two years we have worked our butts off to get a house of our own and Jessica was there every step of the way with us. She got us to where we needed to be by explaining and showing what we needed to do! Very pleased and so incredibly thankful for all that she has done! God bless her!!

    Emily C T.

    Hamlet, IN, August 7th, 2023 07:00 PM

  • Review 13

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    Great communication and prompt service!

    Rodney W M.

    PLYMOUTH, IN, August 11th, 2023 06:21 PM

  • Review 14

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    This is the 2nd time I have worked with Jessica and she is the best! I will always recommend her!!

    Gwen H.

    Rochester, IN, August 15th, 2023 02:38 PM

  • Review 15

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    Jessica was amazing. She made the whole process easy and stress free. She really went above and beyond and would highly recommend her to everyone!

    Courtney D W.

    Rochester, IN, August 19th, 2023 12:13 PM

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Why should you choose Ruoff?

70

Branches throughout
the US.

98.5%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

42

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

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: 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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