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Tracey Wagner

Mortgage Loan Originator | NMLS# 1596665

Finding a home should be as simple as flipping on a switch. Getting a home loan shouldn't feel like it's you against the world. We work hard to share our knowledge and find the right home loan for you, so you're not left out in the dark.

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About Tracey

Tracey Wagner is a seasoned mortgage specialist with a passion for helping new and existing homeowners find the perfect mortgage to suit their needs. With 18 years of industry experience under her belt, Tracey has earned multiple state licenses and a long history of successfully guiding families through the home buying process.

 

What sets Tracey apart is her genuine love for people and her commitment to building strong connections with her customers. She enjoys chatting with her clients and finds it immensely rewarding to be able to assist them in making one of the most important financial decisions of their lives. Tracey's secret to success is simple: treat every customer as though they are the most important person in the world, and always follow up.

 

Outside of work, Tracey enjoys spending time with her husband, family, friends, and furry companions. When she's not helping clients, you'll likely find her horseback riding, playing with her goats and dogs, or out on the water boating. Tracey grew up in a small rural community where she learned the value of hard work, a strong work ethic, and a love for animals.

 

Tracey is dedicated to providing an exceptional mortgage experience for her customers. Her friendly and approachable demeanor, combined with her extensive knowledge and experience, make her an excellent choice for anyone looking for a mortgage specialist who truly cares about their clients' needs.

More About Tracy

What Our Clients Have to Say

20

years of experience

4.91%

online star rating

752+

client reviews

∞

house/yard projects

Conventional Loans

Conventional loans at Luminate are a great option for many homebuyers since they are flexible as far as properties you can choose from, fees, and loan structures available.

FHA Loans

FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment or have a less than ideal credit score. FHA loans are much easier for most homebuyers to qualify for.

VA Loans

Have you served in the military and are searching for a home loan that’s right for you? Because of your service history, you may be able to qualify for a VA home loan to make your home hunt easier.

USDA Loans

A USDA loan is a mortgage loan option offered to rural property owners by the USDA. This loan option is great for anyone living in the rural areas of the United States that may have a lower income.

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Ready to get started?

The home loan process doesn't have to be scary. Our team is here to help! All it takes is the following few steps:

  • 1. Tell Us About You

    Talk through your goals and timing, so that together we can decide which loan option is the best fit for you.

  • 2. Fill Out the Application

    Gather your financial details and complete your loan application to start the pre-approval process. We're always here if you have any questions.

  • 3. Get Pre-Approved

    Once your application and credit report have been reviewed, you will receive a pre-approval letter to get out there and start your home search.

  • 4. Start Shopping

    Now that you're outfitted with a pre-approval letter, your budget, and information about the loan process, you're ready to get out there an start shopping from a home.

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