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Picture of Jessica Prater
Picture of Jessica Prater

Hi, I'm Jessica!

Senior Loan Officer

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

98.73% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Jessica!

Senior Loan Officer

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

98.73% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

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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    Jessica and her assistant were extremely helpful when i was trying to get my documents downloaded. They also stayed in close contact either by phone calls emails or text. I would use jessica again. I had a difficult situation and she helped me get everything done in a matter of couple weeks.

    Christina M R.

    Plymouth, IN, November 28th, 2024 07:28 PM

  • Review 2

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    Jessica was excellent at making sure that we stayed on schedule and that she received everything from us in a timely manner. Jessica also, went above and beyond talking through all of our options when making our home purchase. Would highly recommend Jessica and Ruoff to others. Thanks!

    Tyler F.

    South Bend, IN, September 9th, 2024 09:43 AM

  • Review 3

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    Thank you for your help and all the hard work you did for us! we are loving our new home and can't wait to make a lot of memories in it !

    Alex F O.

    Plymouth, IN, December 21st, 2024 11:35 AM

  • Review 4

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    Jessica was very professional, had amazing communication, kept us in the loop when things were taking a little longer, and was always ready to answer all our questions . She was positive, welcoming, and very supportive. We loved working with Jessica!

    Kelsey O.

    Plymouth, IN, December 17th, 2024 12:38 PM

  • Review 5

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    There was no extra hassle and the process was very smooth.

    Matthew M.

    Akron, IN, December 3rd, 2024 09:27 AM

  • Review 6

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    Jessica kept us up to date on our refinance loan even before LoanButler sent us notifications. She listened to what we wanted and offered several options.

    Thomas L C.

    Plymouth, IN, October 28th, 2024 01:44 PM

  • Review 7

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    Jessica was very patient and flexible with me as I didn’t remember a lot from the first time I worked with her. This was another great experience nonetheless!! :)

    Caden A G.

    Plymouth, IN, July 18th, 2024 11:24 AM

  • Review 8

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    Jessica did a phenomenal job jumping into an extremely messy refinancing situation with professionalism and grace. She was patient throughout the process and was able to answer my questions insightfully. Thank you so much for helping me through this process!

    Leah M.

    Bourbon, IN, November 28th, 2024 08:49 AM

  • Review 9

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    Jessica was responsive, thorough, polite, and easy to work with. I communicated my desire of wanting to close prior to my birthday if possible. Jessica was very transparent and provided a realistic timeline of events verbally, (along with LoanButler that gave virtual timeline progression live) and answered all my questions as they arised. When the time came to include other team members in the process Jessica made introductions to the person to ensure a seamless continuation of the process. Tammi assisted with much of the close process during the underwriting stage and she was also very responsive, quick, and wonderful to work with. I beyond impressed with the service that Ruoff was able to provide for my mortgage processing. What I thought was going to be a huge headache, turned out to be a rather pleasant experience, thanks to their hard work! My mortgage closing was able to occur 11 days prior to my birthday. Happy Birthday to me :) Thank you Jessica, Tammi, Ruoff Team, and Fretz Abstract Company. I appreciate you!

    Amy A.

    CULVER, IN, September 2nd, 2024 09:29 PM

  • Review 10

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    The entire process was incredibly simple from start to finish and Jessica was very accommodatin!

    Cale H.

    Lapaz, IN, November 3rd, 2024 08:01 PM

  • Review 11

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    Jessica was quick to answer any and all questions for us. She took the time to explain things from start to finish so we knew what was happening and where we were at in the process.

    Hanna C.

    Culver, IN, October 21st, 2024 09:05 AM

  • Review 12

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    Jessica always kept me in the loop. If she wasn't available when I called I heard back from her within no more than 24 hours. She was very friendly and made me feel she really cared for me and wanted to help me.

    Rachael G.

    Peru, IN, October 17th, 2024 11:18 AM

  • Review 13

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    Everyone was great!!!

    Liam T. W.

    South Bend, IN, October 14th, 2024 11:09 AM

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Why should you choose Ruoff?

65

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

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

40

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2023 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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Call me at 574.933.1823 or message me below!

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