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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.
Rating: 5.0 out of 5.0 from Encompass Tracy is incredibly professional and knowledgeable, and she kept everything moving in a timely manner. Tracy is the Best! JackieDewitt, VA May 22
Tracy is incredibly professional and knowledgeable, and she kept everything moving in a timely manner. Tracy is the Best!
Rating: 4.8 out of 5.0 from Encompass How easy it was to get information. Parker APETERSBURG, VA Apr 22
How easy it was to get information.
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... SandraPETERSBURG, VA Apr 22
Tracy was great from start to finish! My buyer was more than pleased & comfortable with the process...
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 Johnny LaneHOPEWELL, VA Apr 22
Marco and his team were. They made the process super simple and answered all questions, quickly to ensure everything was figured out
Rating: 5.0 out of 5.0 from Encompass Everyone was very helpful and pleasant to work with. KATHERINENORFOLK, VA Apr 22
Everyone was very helpful and pleasant to work with.
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 MICHAELNORFOLK, VA Apr 22
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
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. JackieHOPEWELL, VA Apr 22
My clients were incredibly impressed with Tracy Koontz and her team, great communication and quick close. Highly recommend.
Rating: 5.0 out of 5.0 from Encompass Tracy is the best William R.HOPEWELL, VA Apr 22
Tracy is the best
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! Nancy C.HOPEWELL, VA Apr 22
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!
Rating: 5.0 out of 5.0 from Encompass Tracy was great RobertCHESTER, VA Apr 22
Tracy was great
Rating: 5.0 out of 5.0 from Encompass The experience was great! It was easy and communication was so great! TiffanyCHESTER, VA Apr 22
The experience was great! It was easy and communication was so great!
Rating: 5.0 out of 5.0 from Encompass Tracy was AWESOM! It was a pleasure working with her!! Rose BPRINCE GEORGE, VA Apr 22
Tracy was AWESOM! It was a pleasure working with her!!
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 StephenNORTH DINWIDDIE, VA Apr 22
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
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! TracyMANAKIN SABOT, VA Apr 22
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!
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. William ChaseCHESTERFIELD, VA Apr 22
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.
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. MattCHESTERFIELD, VA Apr 22
was on it from day one an hour mutual client could not be happier. Look forward to doing another deal very soon.
Rating: 5.0 out of 5.0 from Encompass It was great to work with Tracy again and both she and Renea were wonderful to work with! Sarah JMONTPELIER, VA Apr 22
It was great to work with Tracy again and both she and Renea were wonderful to work with!
Rating: 4.8 out of 5.0 from Encompass Tracy was very responsive in getting info to us in a timely manner. Likely would have switched lenders if it wasn't for Tracy's communication and staying on top of our concerns. Douglas IMONTPELIER, VA Apr 22
Tracy was very responsive in getting info to us in a timely manner. Likely would have switched lenders if it wasn't for Tracy's communication and staying on top of our concerns.
Rating: 4.8 out of 5.0 from Encompass Tracy is very Service Oriented and patient. Emma LeeMONTPELIER, VA Apr 22
Tracy is very Service Oriented and patient.
Rating: 5.0 out of 5.0 from Encompass Tracy keeps you informed the entire process. She knows the business inside and out and provides my clients with exceptional service. JenniferColonial Heights, VA Apr 22
Tracy keeps you informed the entire process. She knows the business inside and out and provides my clients with exceptional service.
Rating: 4.8 out of 5.0 from Encompass Great response to requests Matthew D.Colonial Heights, VA Apr 22
Great response to requests
Rating: 5.0 out of 5.0 from Encompass Tracy is absolutely awesome! Robin WPetersburg, VA Apr 22
Tracy is absolutely awesome!
Rating: 5.0 out of 5.0 from Encompass Tracy and Renea were very responsive and attentive to any questions or concerns that we had. There were times we had questions on nights and weekends and Tracy always responded ASAP. You can tell she knows her stuff. i would like to thank them for holding our hands through the whole process. Kevin SPetersburg, VA Apr 22
Tracy and Renea were very responsive and attentive to any questions or concerns that we had. There were times we had questions on nights and weekends and Tracy always responded ASAP. You can tell she knows her stuff. i would like to thank them for holding our hands through the whole process.
Rating: 5.0 out of 5.0 from Encompass Tracy was very patient with me and explained and answered all my questions EdwardNorth Prince George, VA Apr 22
Tracy was very patient with me and explained and answered all my questions
Rating: 5.0 out of 5.0 from write_review Best loan officer in the world. I have gotten all my loans from Tracy and would never go with anybody else! Terry Apr 22
Best loan officer in the world. I have gotten all my loans from Tracy and would never go with anybody else!