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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.
How easy it was to get information. Parker A PETERSBURG, VA April 22 Rating: 4.8 out of 5.0 from Encompass
How easy it was to get information.
Tracy was great from start to finish! My buyer was more than pleased & comfortable with the process... Sandra PETERSBURG, VA April 22 Rating: 5.0 out of 5.0 from Encompass
Tracy was great from start to finish! My buyer was more than pleased & comfortable with the process...
Marco and his team were. They made the process super simple and answered all questions, quickly to ensure everything was figured out Johnny Lane HOPEWELL, VA April 22 Rating: 5.0 out of 5.0 from Encompass
Marco and his team were. They made the process super simple and answered all questions, quickly to ensure everything was figured out
Everyone was very helpful and pleasant to work with. KATHERINE NORFOLK, VA April 22 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 April 22 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
My clients were incredibly impressed with Tracy Koontz and her team, great communication and quick close. Highly recommend. Jackie HOPEWELL, VA April 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 is the best William R. HOPEWELL, VA April 22 Rating: 5.0 out of 5.0 from Encompass
Tracy is the best
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 April 22 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 was great Robert CHESTER, VA April 22 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 April 22 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 April 22 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 April 22 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