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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 08 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 05 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
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
02/25/2026
2:00 pm