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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.

99.22% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Tracy!

Senior Loan Officer

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

99.22% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

I’m a Senior Loan Originator with over 20+ years of experience with Ruoff Mortgage. Customer service is very important to me, and my goal is not only to get someone their dream home but for them to realize how much love and care I have for every one of my clients. I will work around my clients’ schedules by meeting on evenings and weekends. I let all of my clients know that they can call me anytime, day or night; I am always available. I am licensed in Indiana, Illinois, Ohio, Florida, Michigan, Wisconsin, Georgia and Texas! 


I enjoy spending my free time riding my bicycle all over Fort Wayne, but most of all, it is spending time with friends and family that brings me the most joy—especially my little grandson and my sister! 


Ruoff has provided home loans in Indiana and the surrounding states since 1984. Not only can Ruoff Mortgage offer the full spectrum of products and services to clients who are looking for low costs, competitive rates, and sound advice, but you also matter—you are NOT just another sales goal or number to us. 


We may not know each other when you apply for a loan, but when all is said and done, you will be like family to me!

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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
President's club seal 2022
President's club seal 2023

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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    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!

    Seth A M.

    Columbia City, IN, July 3rd, 2023 09:41 AM

  • Review 2

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    The whole entire process was smooth, fast, and easy. As first time home buyers, we appreciated all the help and resources that were provided.

    Kindra R B.

    Fort Wayne, IN, August 19th, 2023 10:55 PM

  • Review 3

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    Tracy Adam's! She's a rock star!!!

    Edwin H S.

    GARRETT, IN, December 21st, 2024 11:50 AM

  • Review 4

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    Tracy was awesome and always kept me informed about the process. I'm a first time homebuyer and she made me feel more comfortable and confident when purchasing my home

    Danielle M L.

    Fort Wayne, IN, November 21st, 2024 12:43 PM

  • Review 5

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    Everybody was friendly and helpful

    Christopher H.

    Fort Wayne, IN, November 25th, 2024 11:11 AM

  • Review 6

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    This is our second time using Tracy Adams as our loan officer and she has been amazing to work with! She is always so pleasant and goes above and beyond for ger her clients!

    Kimberly M H.

    Decatur, IN, November 2nd, 2024 08:59 PM

  • Review 7

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    Tracy is the best to work with!

    Andrea G.

    Huntertown, IN, October 7th, 2024 07:49 AM

  • Review 8

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    Tracy is so fun, knowledge, and exciting! Love her personality and attitude.

    Sarah C B.

    Fort Wayne, IN, October 7th, 2024 11:25 AM

  • Review 9

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    Tracy was awesome! She always does a great job!

    Justin G.

    Huntertown, IN, October 9th, 2024 12:18 PM

  • Review 10

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    Tracy Adams is the best!! If you are looking for a Loan Officer in Fort Wayne, look no further! From beginning to end Tracy was extremely helpful in my home buying process. As a first time home buyer I had a lot of questions along the way. She did amazingly to answer them all and guide me along the way. She is extremely knowledgable in her field and treated me with kindness and respect. Thanks to her help I was able to find my perfect home and am so excited to move in and be an official home owner! Thank you!

    Jaclyn G.

    Fort Wayne, IN, September 24th, 2024 09:35 AM

  • Review 11

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    Tracy is very knowledgeable and personable!

    Kimberley C. H.

    Fort Wayne, IN, September 30th, 2024 07:59 PM

  • Review 12

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    Tracy Adams and her team went above and beyond ! Tracy made us feel like family!

    George W M.

    Huntington, IN, August 11th, 2024 03:24 PM

  • Review 13

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    Tracy made our home buying experience awesome. She was very helpful every step of the way. Definitely would recommend her!!

    Eileen K P.

    Huntington, IN, August 12th, 2024 07:47 PM

  • Review 14

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    Tracy was honest, easy to talk to, and explained everything perfectly.

    Ashley R B.

    Columbia City, IN, July 30th, 2024 11:05 AM

  • Review 15

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    Tracy was just excellent. So personable and easy to talk to.

    Clair A S.

    Leo, IN, August 6th, 2024 12:39 PM

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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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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.

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I would love to hear from you!

Call me at 260.615.4761 or message me below!

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