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What is your goal?


When are you
looking to buy?

How is your credit score?

Where are you
looking to buy?

$150 - 175k
18 - 21%
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Are you working with a loan officer?

Let's connect!

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Your next step is to complete a full application.

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reaching out!
A Loan Officer will be in contact with you soon.

What are your refinance goals?

Where are you currently living?

$75 - 100k
$150 - 175k
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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.

99.40% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Hi, I'm Tracy!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

99.40% Customer Satisfaction Rating
Scotsman Guide Top Originator Award

Let me help you get pre-approved today!

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

I enjoy serving on the board for the YMCA of Greater Fort Wayne as well as being an active member of the organization. I am highly involved in my children's school activities at both Bishop Dwenger and Purdue University.

Customer service is very important to me and I make my clients well aware of that fact. I will work around my client's schedules by meeting on evenings and weekends, whichever is more convenient. I let all of my clients know that they can call me anytime, day or night, I am always available.

Ruoff has been providing home loans to Hoosier families since 1984. The Ruoff 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.

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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

What is your goal?

Buy a Home

From finding your perfect home to moving in, we've got you covered.


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

  • Tracy and her team were extremely helpful and knowledgeable and willing to help me in every step of the process. they all went above and beyond to make sure that everything in this loan application went as well as possible. Excellent excellent customer service what a wonderful team you guys have working for you I will absolutely refer them to everyone anyone I know buying a home thank you for your professionalism and making my dream of buying a home as easy as pleasant as possible and I have done it without peace of mind knowing that you guys were on my team.

    Monica D, happy client
  • The communication between Tracy Adams, Mel Mercer and the staff that helped on getting my loan was phenomenal! The staff at the Dupont Road Ruoff Home Mortgage is by far and away some of the most professional and outgoing people I have ever worked with. From the awesome lady answering the phones for questions I had, Tamara Barkley, to Tracy Adams who was at my beckon call for every little question I had. Mel Mercer was awesome at telling me the steps I needed to take. Great staff!!

    Greg B, happy client
  • Tracy Adams made the process incredibly easy and efficient. I would come back to Ruoff soley based of of my 2 experiences with her to work with her a third time.

    Nicholas O, happy client
  • Everyone on staff is a pleasure to work with and quick to respond.

    Theresa P, happy client
  • Tracy Adams did a great job helping me with any information and questions that I had. She is very friendly and professional and I look forward to recommending her to anyone that may need help in the future.

    Leisa J, happy client
  • The process was very easy and relatively quick. Doing a large part online saved so much time and effort. My agent was extremely personable, pleasant, and knowledgeable.

    Rachael S, happy client
  • My wife and I have very busy and hectic schedules. Although there are a lot of steps to the home-buying process, Ruoff never made us feel rushed or hurried. We were first-time home buyers as well, and they were always there to answer our questions.

    Brian C, happy client
  • Everything was excellent. Tracy and her entire staff were incredible and easy to work with. They handled everything smoothly and quickly! Our only regret was that we didn’t call Tracy sooner!!

    Jonathan D, happy client
  • Tracy was amazing. Extremely professional, knowledgeable and true to honesty and putting us first.

    Ronday H, happy client
  • Tracy Adams and her entire team are hands down, the best people on this planet! They made an impossible two week close possible for me. I can not thank them enough for their attention to detail, ability to problem solve, and friendliness through the entire process.

    Ashlee S, happy client
  • Tracy Adams and her team of Melissa's are absolutely amazing. Lighting fast. 100% accurate in their accounting. Will be using Tracy and her team in the future when we buy our second home in Florida!

    Michael T, happy client
  • Working with Tracy Adams and her team was nothing short of excellent. Everything about our refinance process was well communicated, efficient and most professionally handled. I would recommend Tracy and Ruoff - what a pleasant experience! Something that is rare in today’s business market.

    Linda S, happy client
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Why should you choose Ruoff?


Branches throughout
the US.


Customer Satisfaction Score according to Customerville.


Days or less average


Years of helping
homeowners like you.


Milestones updating you throughout the process.


Minutes at the closing
table on average.

Calculate what's best for you

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.

Stay connected.

I would love to hear from you!

Call me at 260.615.4761 or message me below!

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