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Loan Advisor

Tracy Joy

NMLS #115424

Loan Advisor • Everett Branch

Phone: 425.903.3035
Cell: 206.601.8972
Fax: 425.903.8142
Licensed in WA

About Tracy


How do you know if you’re choosing the right mortgage advisor? Look at their track record!  Let’s be honest, securing a mortgage is one of the biggest commitments you’ll make in your lifetime. You need to feel confident that you’re working with knowledgeable professionals. I take pride in providing high-quality service and my goal is to earn your trust and become your mortgage advisor for life. The biggest compliment I can receive is when a client comes back for a refinance, to purchase another home, or refers a friend or family member.

My commitment to service stems from a deep concern for people, and intensive training that goes well beyond state and federal requirements. I care for my clients like family and strive to provide you with a seamless mortgage experience from start to finish.

At the heart of everything I do is my family. I was raised in the Puget Sound area, and am raising my child here, too.  Nothing is more important than being able to work with clients to provide them the stability to raise their families for generations to come as well.

I’m proud to partner with a company that is consistently on the leading-edge of the industry. With American Pacific Mortgage’s game-changing loan programs and specialty products at my disposal, I have the tools to create homeownership opportunities for my clients.

 Let my world-class team take your dreams and make them a reality. 

 My Specialties are:

  • Self-Employed/Complex-Income Borrowers
  • Veteran’s Financing
  • First-Time Homebuyers
  • Education & Advising
  • Government Loans
  • FHA Specialist
  • Refinance Specialist
  • Down-payment Assistance Programs
  • Condo Financing
  • Construction
  • Rehab/Renovation Financing


Branch Address:
 808 134th Street SW, Ste 205 Everett, WA 98204

What our customers are saying...

Tracy and her team were a true joy to work with throughout the entire process. She always provided updates on where we were in the process. She closed the loan ahead of schedule to make the sellers and buyers happy. I highly recommend her and her team. I would gladly work with her again. 

 

Marisa Callaghan

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

Download Now

Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

Download Now

Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. Keys on Time Guarantee With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and List Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

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