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Tracy Joy

Loan Officer - NMLS #115424 / 1850 American Pacific Mortgage Everett Washington State
Equal Housing Opportunity
Jun 17, 2022
Tracy and Brie helped us on our 1st home mortgage and both of them are amazing! They super super informative, patience with all our questions and quick response! They even pointed out some things that we never thought about and help us with the best option. They done all the hard work and make this process so easy and smoothly, and yes, we closed the house in a month!!! THANK YOU so so much for all your help, team Tracy!!!
Jun 7, 2022
Tracy and her team are fantastic. They helped me with two home purchases, and it was a quick, easy, great experience both times. I can’t recommend Team Joy enough.
Nov 5, 2021
Teacher
Team Joy made everything so very clear! We knew exactly what was needed and when it needed to be submitted by. Joy's Team was incredible. They really took the time to get to know us and we were in constant communication. I could not imagine a more professional, kind, and hardworking team.
Sep 18, 2021
Tracy and Team Joy went above and beyond to make my first home purchase a success. They are extremely knowledgeable and helped with every step and answered all of my questions. They even sent a beautiful gift once the closing was done. I will be recommending them to everyone in the area and look forward to working with them in the future.
Aug 26, 2021
Tracey was spot on. Made everything go fast and smooth. I would highly recommend her
Bev
Jul 31, 2021
This is our second time working with Tracy and her team. We have done a regular refinance and cash out refinance.
Honestly, I can’t say enough good things about her.
Tracy has done everything to make the process wonderful, and low stress as possible. She communicates extremely well and checked in with us often though out.
She and her team have truest gone above and beyond!!!
May 18, 2021
Great teamwork! Look forward to working with you again!
Apr 3, 2021
First time working with Tracy and it was an absolute joy (no pun intended!) She is amazing to work with...very responsive, night and day and the refi was super quick. She needs to be in your phone for all your mortgage needs!!
Apr 1, 2021
Have used Tracy and team three times in the past few years. First time home buyer to refinance our mortgage. Great experience each time. Absolute confidence in Tracy and her team.
Mar 11, 2021
Manager
Tracy and her team are awesome! They provide great updates and communication.
I have been a customer for over 8 years and the service level still outstanding.
Feb 9, 2021
Tracy is amazing to work with. She’s extremely nice and goes above and beyond to ensure your loan process is as easy as can be.
Jan 22, 2021
buyer's broker
Tracy did a great job. My buyer was working with a very tight budget and was repeatedly outbid before finally having an offer accepted. I cannot count the number of pre-approval letters Tracy provided for us or calls she made to listing brokers to help sell our offers. She is thorough, knowledgeable, creative and extremely easy to work with. I will definitely refer my clients to her in the future!
Jan 13, 2021
I had a family emergency during my closing process. The amount of compassion and how easy Tracy's team made closing for me and accommodating me to help me both close and make it through a hard time. They are amazing people to work with!
Jan 13, 2021
Managing Broker
Tracy Joy and her team are impeccable. She evaluated my client's financial needs and qualifications to determine the best loan package available for her. My client was extremely satisfied with her financing! Tracy is the upmost professional, knowledgeable, trustworthy lending partner I know. Even in complex transactions, she and her team deliver every time! I highly recommend Tracy and her team!
Dec 9, 2020
I just refinanced with Tracy and her team. although we are in a pandemic at the moment, the whole process was so easy. Literally every question I had she answered and explained above and beyond! So grateful for her work.
Nov 10, 2020
Real Estate Broker
I have worked with Tracy and her team and they are always providing outstanding service to both me and my clients. Everyone is always happy at the quality of work and the amount of effort to close transactions on time. Thank you Tracy, It's always a pleasure to work with the team!
Oct 29, 2020
Tracy is always awesome to work with. She takes care of us during the process and it was very smooth.
Aug 14, 2020
HOME BUYER
I PURCHASED AND REFINANCE MY HOME WITH TRACY. SHE TOOK CARE OF EVERYTHING FOR ME. I WOULD DEFINITELY GO TO HER IF I'M BUYING OR SELLING MY PROPERTY.
Jul 25, 2020
7/22/20
We used Tracy to purchase our home in 2016 and then again for refinance this month. Smooth process and always looking to help save us some money 😀
Jun 21, 2020
Cloud Architect
Tracy and her team were great. I refinanced my home, the process was smooth and the terms were very good.
Apr 8, 2020
Office Manager Dolan Hospitality
Tracy and her team did a great job on making my refinance a simple quick process.
Highly recommend this group!
Mar 2, 2020
Repeat Customer
We have worked with Tracy and her amazing team twice - once for the original purchase of our home and then for the refinance a few years later. Tracy was recommended by a long-time friend and realtor and she did not disappoint! Both times the process was easy and successful and the support from Tracy and her team was great. We will definitely work with her again when the time comes and we look forward to her informative updates in the meantime. Thanks Tracy!
Feb 20, 2020
Loan Officer
Tracy was amazing. We gave her less than 3 week close and she and her team got the loan done. I would recommend her services to everyone I know!
Sep 10, 2019
Designated Broker
Tracy is my "go to" lender. Her level of professionalism, expertise, confidentiality, compassion, and honesty is why I have worked with Tracy and her team for over a decade. She is amazing!
Jul 23, 2019
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!