Tracy Joy

Loan Officer - NMLS #115424 / 1850 American Pacific Mortgage Everett
Equal Housing Opportunity
Yesterday
Designated Broker
Tracy is amazing. Her level of professionalism, open communication and experience are the best in her field. There is no other lender I would work with. She surpasses our client's expectations and I'm proud to have her as part of my team. Thank you for your unparalleled level of service!
Jul 10, 2019
Agent
Tracy was amazing, Very professional, thorough and trustworthy. And I really appreciated her communication with me through the entire loan process. I will definitely call on Tracy again to assist my Buyer's obtain a loan. Thanks again Tracy.
May 20, 2019
I was referred to Tracy and am so glad I was. She was amazing to work with and helped me with every step and question I had along the way. She made this process as painless as possible. I would recommend her in a heart beat!!!
Mar 15, 2019
Real Estate Broker
Tracy Joy is my first choice in Loan Officers. Although when recommending lenders to Buyers, I am required to give more than one lender's name, Tracy Joy is always at the top of my list. Tracy is smart, savvy and very resourceful. If there's a a challenge she always finds a solution. Tracy's style is also very pleasing. She's an excellent communicator and always treats her clients with kindness and respect. I have worked with Tracy Joy for over 10 years and look forward to many more successful years ahead with Tracy representing my Buyers!
Aug 2, 2018
Real Estate Broker
Tracy is the Best of the Best! I refer my clients to her routinely because I know they will get top notch service and results!
Jul 15, 2018
My wife and I contacted Tracy for assistance with our home mortgage. Tracy and her team were extremely informative in every step of the buying process. They constantly updated us throughout each step and were available for the many questions we had about a mortgage. Any time I had a question via phone or email we received a response quickly even when I sent emails during late after hours. My Realtor also had many positive comments on the excellent communication he had throughout the process.

I would highly recommend Tracy for all of your mortgage needs.
Jun 28, 2018
First Time Homebuyer
Tracy and her team were excellent in processing our loan and also securing a lower interest rate before the rates increased! She was incredibly helpful in explaining the entire process to make sure we knew what to expect and things to consider. She went above and beyond to help us narrow down our loan options and was incredibly patient with us when we asked for pretty much every situation we could think of to maximize our home buying potential. I definitely recommend Tracy and her team!
Dec 6, 2017
Easy to work with had a great time did everything that I needed I'd work with them again in a minute
Aug 4, 2017
Real Estate Broker
Great Loan officer that knows what she needs to get my loan through. Always on top with my documents so it cleared the underwriter. Closed on time with time to spare. Tracy and her team did an outstanding job and my family appreciate all the time and hard work in getting our new home. I highly recommend Tracy and her team if you are looking for the best, go no further. She can get the job done and makes it a smooth process. Thanks Robert, Judelyn, Vaughn and Chris.
Jan 25, 2017
Truck driver
Tracy joy was an absolute godsend for us, living here and working out of state, created hurdles we thought were in surmountable,her patients, and guidance, got us through, her commitment got us in๐Ÿ˜
Aug 19, 2016
Tracy did a wonderful job getting our loan put together and closing it. We had a tight timeline of 30 days to close because of a short sale situation and Tracy really helped us out by getting it done in time.

Thanks so much!
Apr 14, 2016
First time Homebuyer
Tracy was a breath of fresh air after dealing with 2 terrible lenders. She was quick to respond, answered all my calls or called back immediately and she dealt with all my crazy questions. She took the time to explain things that I did not understand and to calm me down when I was anxious about something. I would recommend her to EVERY person I know buying a home (first time especially). She made me feel like her only client (I know she has plenty)! She absolutely turned my whole home buying experience from terrible to EXTRAORDINARY!!!
Apr 14, 2016
Family Life Pastor
Tracy helped us with our mortgage when we first got our house in Marysville, WA. She took our hands and helped us through the entire process. She was amazing, she patiently answered all our questions, she fought for us and really took time to get to know us to make sure we got the best mortgage. So down the road when we thought about doing a refi, we didn't think twice to go back to Tracy. As usual she did an amazing job. Thanks so much Tracy Joy!
Apr 14, 2016
Tracy helped us with our mortgage when we first got our house in Marysville, WA. She took our hands and helped us through the entire process. She was amazing, she patiently answered all our questions, she fought for us and really took time to get to know us to make sure we got the best mortgage. So down the road when we thought about doing a refi, we didn't think twice to go back to Tracy. As usual she did an amazing job. Thanks so much Tracy Joy!
Mar 23, 2016
Buyer
Tracy has assisted us, for the second time, to get a mortgage. When we decided to buy again after about four years, we were quite happy to have Tracy work with us. Her wide range of knowledge is astounding & she is quick to respond when we contact her, even on weekends. She came to our house twice & met us in Monroe so we wouldn't have to drive to Everitt. Tracy is always pleasant & never critical of us no matter what goofy thing we do. She has done everything possible to make this easy for us. It has been a pleasure & I will call Tracy if I ever need assistance with a mortgage again. Thank You Tracy Joy! Sincerely, Gerald & Brenda
Oct 30, 2015
Happy semi-retired to Spokane WA!
Tracy Joy is a lovely person to work with both professionally and personally! I, Lanie, am a real estate broker and originally met Tracy through another broker as a recommended lender for a client of mine to work with. Sure enough, my transaction went off without a hitch, and on time. I was so pleased with Tracy's services when it came time for my husband and I to buy a retirement property for ourselves, we turned to Tracy without hesitation. She showed us the epitome of patience! Unfortunately, we found ourselves in the mist of the 2015 summer of multiple offers and Tracy was right by our side all the way with expert help in a timely manner. After many offers we finally made an offer that went through and purchased a great home in Spokane, WA! Thanks Tracy!