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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.
Everyone was very helpful and pleasant to work with. KATHERINE NORFOLK, VA February 18 Rating: 5.0 out of 5.0 from Encompass
Everyone was very helpful and pleasant to work with.
Tracy has always been at the forefront of helping through the process of the loan. I have worked with Tracy on several different properties that I have purchased over the years. With Tracy, you don't have to. worry she will go the extra mile to make sure things are right. Michael Bugg MICHAEL NORFOLK, VA February 16 Rating: 5.0 out of 5.0 from Encompass
Tracy has always been at the forefront of helping through the process of the loan. I have worked with Tracy on several different properties that I have purchased over the years. With Tracy, you don't have to. worry she will go the extra mile to make sure things are right. Michael Bugg
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 December 29 Rating: 5.0 out of 5.0 from Encompass
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!
Tracy is the best William R. HOPEWELL, VA December 29 Rating: 5.0 out of 5.0 from Encompass
Tracy is the best
My clients were incredibly impressed with Tracy Koontz and her team, great communication and quick close. Highly recommend. Jackie HOPEWELL, VA December 22 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.
Tracy was great Robert CHESTER, VA December 08 Rating: 5.0 out of 5.0 from Encompass
Tracy was great
The experience was great! It was easy and communication was so great! Tiffany CHESTER, VA December 08 Rating: 5.0 out of 5.0 from Encompass
The experience was great! It was easy and communication was so great!
Tracy was AWESOM! It was a pleasure working with her!! Rose B PRINCE GEORGE, VA December 01 Rating: 5.0 out of 5.0 from Encompass
Tracy was AWESOM! It was a pleasure working with her!!
Have worked with Tracy for over 20 years she's always been very professional communication is excellent customer service is excellent just a wonderful person all the way around I just want to say thank you for helping me and my family through all these years Stephen NORTH DINWIDDIE, VA November 21 Rating: 5.0 out of 5.0 from Encompass
Have worked with Tracy for over 20 years she's always been very professional communication is excellent customer service is excellent just a wonderful person all the way around I just want to say thank you for helping me and my family through all these years
Tracy is extremely knowledgeable and responsive. She was able to answer all of my questions and got our loan approved in a quick time frame. I am forever grateful! The wine basket was the icing on the cake! Tracy MANAKIN SABOT, VA November 03 Rating: 5.0 out of 5.0 from Encompass
Tracy is extremely knowledgeable and responsive. She was able to answer all of my questions and got our loan approved in a quick time frame. I am forever grateful! The wine basket was the icing on the cake!
Tracy was kind and always willing to help me . She answered all my questions . I felt like I gained a friend. Great person to work with. William Chase CHESTERFIELD, VA September 02 Rating: 5.0 out of 5.0 from Encompass
Tracy was kind and always willing to help me . She answered all my questions . I felt like I gained a friend. Great person to work with.
was on it from day one an hour mutual client could not be happier. Look forward to doing another deal very soon. Matt CHESTERFIELD, VA August 23 Rating: 5.0 out of 5.0 from Encompass
was on it from day one an hour mutual client could not be happier. Look forward to doing another deal very soon.
On 02/25/2026 at 2:00 pm
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there