Tracy Koontz
Tracy Koontz Headshot

Tracy Koontz

Mortgage Loan Originator NMLS#: 659412
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Contact Tracy
tkoontz@annie-mac.com
(757) 664-9525
(804) 712-6673
5000 Monument Ave Suite 111
Richmond, VA 23230
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About Tracy

tracy-koontz-still_compressed

Proudly serving clients across Virginia.

I have been in the mortgage business for over 30 years, starting as a loan processor and operations manager before transitioning to my role as a loan officer, which I’ve proudly held for the past 26 years.

I love being a loan officer because it’s incredibly rewarding to assist clients with one of the most important decisions of their lives. It’s a joy to work with loyal clients on step-up homes and investment purchases, and I’ve cherished the opportunity to finance homes for their children when they’re ready to buy.

My husband and I have three wonderful children and four adored grandchildren. Outside of work, I stay active by working out several times a week, riding my beach cruiser, and enjoying outdoor concerts during the summer. My husband and I also love taking quick road trips to Florida whenever the weather and time allow.

Borrower Testimonials

Total Experience Score4.94
Tracy was extremely friendly and helpful. She was always available to answer questions and at all hours of the day. She and Allison were patient with us as we gathered all our docs. The whole process moved very rapidly and we'll readily recommend you to anyone seeking mortgage financing. Thank you!
Nancy C. HOPEWELL, VA
Rating: 5.0 out of 5.0 from Encompass
Tracy is the best
William R. HOPEWELL, VA
Rating: 5.0 out of 5.0 from Encompass
My clients were incredibly impressed with Tracy Koontz and her team, great communication and quick close. Highly recommend.
Jackie HOPEWELL, VA
Rating: 5.0 out of 5.0 from Encompass
Tracy was great
Robert CHESTER, VA
Rating: 5.0 out of 5.0 from Encompass
The experience was great! It was easy and communication was so great!
Tiffany CHESTER, VA
Rating: 5.0 out of 5.0 from Encompass
Tracy was AWESOM! It was a pleasure working with her!!
Rose B PRINCE GEORGE, VA
Rating: 5.0 out of 5.0 from Encompass

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02/25/2026

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