Tracy Bray
Loan Officer | NMLS ID #310482
We have a base of extremely loyal clients and referral sources that value our professionalism and leadership. Each of our clients receives our support and guidance to fully and smoothly achieve their goals. My mission is to provide every cl... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Tracy's level of commmitment is unmatched. She is professional, knows how to solve challenges and has a THOROUGH knowledge of mortgage lending. Thank you Tracy!
Reply from Tracy Bray
January 29th, 2026 03:19 PM
Thank you Sally! It was a pleasure working with you both! Hope you LOVE the new place!!
Great customer service
Tracy Bray has received a review with 5 star rating from Dylan R
Working with Tracy has made my first home buying/building experience very easy. She is extremely informative and transparent throughout the whole process!
Tracy and Joy were so supportive from the veRay beginnning. They made the process seamless
Outstanding service! Highly recommended!
Tracy was very professional and super knowledgeable and supportive!
Very professional, responsive, thorough, and easy to work with.
Reply from Tracy Bray
August 8th, 2025 06:16 PM
Thank you! I hope you LOVE your new home for many years -
We've dealt with many loan officers but Tracy was without a doubt the best loan officer we had the pleasure of working with. Her professionalism and the efficency of getting the job done makes her a top notch . I've also referred to our real...
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Reply from Tracy Bray
July 16th, 2025 01:57 PM
Thank you so much for the kind words! It was a pleasure working with you both. I hope you LOVE the new home for many years to come!
Tracy was available at all times (it seemed!) to answer questions and provide advice. We particularly liked the video explanations of our options and appreciated her quick and flexible updates to accommodate our requests.
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About
We have a base of extremely loyal clients and referral sources that value our professionalism and leadership. Each of our clients receives our support and guidance to fully and smoothly achieve their goals. My mission is to provide every client with the information and advice needed to make the most educated home financing decisions. I am proud to provide the most current strategies and tools to make my clients offers and purchase contracts stronger than the competition in this high-demand market.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Bridge Loans
USDA Loans
Reverse Loans
Specialities
Conventional Loans
FHA Loan
USDA Loan
First Time Home Buyer
Investor Loan
Second Home Loan
Vacation Property Loan
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Positions
- Atlantic Coast Mortgage LLC - Loan OfficerFeb 1st, 2020 - Current
Year Started
2020
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS ID #310482
- Licensed in PA, VA
Disclaimer
Atlantic Coast Mortgage, LLC | Equal Housing Lender | Branch NMLS ID #1167353 | Company NMLS ID # 643114 (www.nmlsconsumeraccess.org) | All Rights Reserved. Copyright © 2026