Ruoff Mortgage
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Tracy Adams

Senior Loan Officer

NMLS: 234924 | GA: 234924 | OH: MLO.050617.000

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

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Tracy

99.46%

Customer Satisfaction Score.

Scotsman GuidePresident's Club

Awards

Proudly serving Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Ohio, Texas, Wisconsin

Meet our happy homeowners***

View All Testimonials

Seth A M.

Columbia City, IN, Jul 3, 2023, 1:41 PM

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!

Kindra R B.

Fort Wayne, IN, Aug 20, 2023, 2:55 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.

John Anthony M.

Fort Wayne, IN, Jul 26, 2026, 5:43 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!

Daniel J C.

Fort Wayne, IN, Jul 24, 2026, 5:25 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.

Braydon S.

Fort Wayne, IN, Jul 21, 2026, 3:08 PM

Working with tracy made everything so much easier. We were terrified of getting our first house but working with her was easy!

Natalie K M.

Columbia City, IN, Jul 5, 2023, 4:42 PM

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.

Josh B.

Jan 12, 2023, 5:40 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.

Seth A M.

Columbia City, IN, Jul 3, 2023, 1:41 PM

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!

Kindra R B.

Fort Wayne, IN, Aug 20, 2023, 2:55 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.

John Anthony M.

Fort Wayne, IN, Jul 26, 2026, 5:43 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!

Daniel J C.

Fort Wayne, IN, Jul 24, 2026, 5:25 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.

Braydon S.

Fort Wayne, IN, Jul 21, 2026, 3:08 PM

Working with tracy made everything so much easier. We were terrified of getting our first house but working with her was easy!

Natalie K M.

Columbia City, IN, Jul 5, 2023, 4:42 PM

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.

Josh B.

Jan 12, 2023, 5:40 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.

Stephanie K.

Jan 26, 2023, 3:58 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.

Raymond E.

May 1, 2023, 7:30 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.

Angela E.

May 2, 2023, 12:27 PM

Tracy was absolutely amazing! Always quick to respond and on top of everything. She made the process easy and exciting.

Justin R M.

FORT WAYNE, IN, Jul 25, 2023, 4:04 PM

Everything was great from the whole team! Very pleased with the process and mentoring throughout our home purchase.

Linda M.

Kimmell, IN, Sep 7, 2023, 3:51 PM

Tracy and her team were absolutely great to work with. I would highly recommend them to anyone in need of a mortgage

Taylor M J.

FORT WAYNE, IN, Sep 10, 2023, 4:08 PM

Tracy was an absolute pleasure to work with. She and her team were so communicative and easy to talk to.

Wendy L S.

Acworth, GA, Sep 12, 2023, 8:09 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!!

Stephanie K.

Jan 26, 2023, 3:58 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.

Raymond E.

May 1, 2023, 7:30 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.

Angela E.

May 2, 2023, 12:27 PM

Tracy was absolutely amazing! Always quick to respond and on top of everything. She made the process easy and exciting.

Justin R M.

FORT WAYNE, IN, Jul 25, 2023, 4:04 PM

Everything was great from the whole team! Very pleased with the process and mentoring throughout our home purchase.

Linda M.

Kimmell, IN, Sep 7, 2023, 3:51 PM

Tracy and her team were absolutely great to work with. I would highly recommend them to anyone in need of a mortgage

Taylor M J.

FORT WAYNE, IN, Sep 10, 2023, 4:08 PM

Tracy was an absolute pleasure to work with. She and her team were so communicative and easy to talk to.

Wendy L S.

Acworth, GA, Sep 12, 2023, 8:09 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!!

Calculate Based on Your Individual Needs


Purchase Calculator

Property Costs


Loan Details

Est. Monthly Payment

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now
Tracy Adams

A Bit About Me

At Ruoff Mortgage, being a loan officer means being more than a lender. I’m your advocate, guide, and trusted partner during your homebuying journey. I take pride in educating clients, answering questions, and creating tailored strategies that fit their unique goals. From our first conversation to closing, I’m there every step of the way.As a loan officer with Ruoff Mortgage, I’m dedicated to delivering a premium home financing experience built on trust and transparency. Whether you're a first-time buyer or refinancing, I provide personalized loan solutions and expert insight to help you move forward with confidence. My goal is simple: to make homeownership feel achievable, informed, and stress-free.

Awards & Achievements

Top Mortgage Lenders

Top Mortgage Lenders

The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.

President's Club

President's Club

10x Winner

Awarded to loan officers who consistently exceed volume targets and deliver exceptional client satisfaction scores across all closed transactions.

Experience the Ruoff Advantage

We've worked hard to earn our A+ BBB rating, and we're committed to maintaining it. Our team puts your needs first and takes pride in guiding you through the mortgage process.

42

Years of helping homeowners like you

We are excited to announce that for the ninth year in a row we have made The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies. We are ranked #31 in Retail Units, #48 in Retail Volume, and #59 on the Overall Lender list.

15 DAY

Average Clear to Close**

Ruoff Mortgage has earned a top spot on Experience.com’s Top Performers list for the third year in a row, being recognized as a top 10 Mortgage Company in the Jumbo Division for customer satisfaction. This competition ranks loan officers and their organizations based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform.

98.5%

Customer satisfaction rating*

At Ruoff Mortgage, customer satisfaction is at the core of everything we do. We are the experts, so you don't have to be.*

Proudly serving Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Ohio, Texas, Wisconsin

Tracy Adams

Senior Loan Officer

NMLS: 234924

GA: 234924

OH: MLO.050617.000

My Operating Hours

Mon: 9:00 AM - 5:00 PM

Tue: 9:00 AM - 5:00 PM

Wed: 9:00 AM - 5:00 PM

Thu: 9:00 AM - 5:00 PM

Fri: 9:00 AM - 5:00 PM

Sat: Closed

Sun: Closed

Ruoff Mortgage Logo White

Ruoff Mortgage Company, Inc. | NMLS ID: 141868

© 2026 Ruoff Mortgage Company, Inc. All rights reserved. Ruoff Mortgage is a registered trademark.

Fair Housing Logo White

******††Some restrictions apply.

Reviews and comments have been submitted by customers voluntarily, and are solely the views of such customers, and have been screened by Ruoff Mortgage Company, Inc. Terms were specific to customers’ specific qualifications and program availability and personal experiences may vary. Loan?decision is subject to satisfactory appraisal and title review and no change in financial condition. This is not an offer for extension of credit or a commitment to lend. Interest rate subject to change based on market condition and credit review.

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.

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.

Credit Score Range is for informational purposes only. Your credit will not be pulled by using the features of this calculator.

Some restrictions apply. Ask for details. This calculation and associated communications are provided to you for informational purposes only. This is not an offer for extension of credit or a commitment to lend. Please contact the Ruoff Mortgage team directly to learn more about its mortgage products and your eligibility for such products. Loan decision is subject to satisfactory appraisal and title review and no change in financial condition. Interest rate subject to change based on market condition and credit review. Mortgage insurance is required on mortgage loans with loan amounts greater than 80% of the home value. Loan options that include private mortgage insurance are reflected as a Borrower Paid Mortgage Insurance (BPMI) premium, the cost of which is added to the monthly principal and interest payment. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868. Equal Housing Lender. NMLS#141868.

Experience.com is a leading provider of Customer Experience Management Software, and this marks the tenth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year.