Tracy Adams

Hi. I’m Tracy, a Senior Loan Officer who works hard to make sure your pre-approval turns into home ownership.

Available after hours & weekends: call 260.385.0096 or

Customer Satisfaction Badge Based on quarterly 98% or better third party customer satisfaction survey data


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

Tracy enjoys serving on the board for the YMCA of Greater Fort Wayne as well as being an active member of the organization. She is highly involved in her children's school activities at both Bishop Dwenger and Purdue University.

Customer service is very important to Tracy and she makes her clients well aware of that fact. She will work around her client's schedules by meeting on evenings and weekends, whichever is more convenient. Tracy lets all of her clients know that they can call her anytime, day or night, she is always available.

Ruoff has been providing home loans to Hoosier families since 1984. Tracy Adams and the Ruoff Home 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.

My experience...

My customer service philosophy is to treat every customer with respect and to make their experience as stress free as possible. I believe that the purchase of a new home is a major decision and should be treated as such. I strive to make this decision as easy as possible for each client by being honest and trustworthy along with communicating frequently all while offering them sound and reliable advice.

I believe that Ruoff is a great choice for all of your lending needs because we are a locally owned company that has everything that you need. We offer a very wide variety of lending programs through FHA, VA, USDA, and conventional lending. We also keep everything in house, once you begin the loan process your file will be processed and underwritten by a Ruoff employee, this saves you from added headaches and stress but most importantly saves you time and money. Call me today if I can help you purchase your dream home or refinance your existing loan to save you money!!

Step Ahead

Confirm your home financing options ahead of schedule

Step Ahead

Loans That End in "A"

Whether you are looking to make your first purchase or refinance, you may be able to enjoy the benefits of a FHA, VA, or USDA loan.

Loans That End in "A"

One time Close, New Construction Program

Our One-Time Closing Construction Loan program combines your construction financing and permanent financing.

One time Close, New Construction Program

IHCDA Programs

Whether you’re a first-time homebuyer or a seasoned veteran of the housing market, IHCDA has a mortgage product to meet your needs.

IHCDA Programs

Client Testimonials

Fast Approval

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