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*Mortgage Specialist with 20+ Years of Experience in Residential Lending* Tracy brings a wealth of knowledge, professionalism and personalized service to every client interaction. Over the course of her career, Tracy has successfully guided hundreds of individuals and families through the home financing process - whether purchasing their first home, refinancing, or investing in real estate. She has developed deep expertise across a broad range of lending areas, including: *Conventional - FHA - VA - and USDA Loans *Jumbo & Non-Conforming Loans * 1st Time Homebuyer Programs *Investment & 2nd Home Financing * Refinancing Strategies * Self-Employed & Complex Income Borrowers. Known for a consultative approach, Tracy takes the time to understand each client's goals and financial situation, delivering tailored mortgage solutions and clear communication every step of the way. With a reputation built on trust, responsiveness, and results, she works closely with realtors, underwriters, and clients to ensure a smooth, efficient loan process. Whether the market is rising, shifting, or stabilizing, Tracy remains committed to educating clients and helping them make confident, informed decisions. Tracy's mission is to provide top-tier service with honesty, and a personal touch, committed to delivering results and making the loan process stress-free.