

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 was great to work with! We have worked with her multiple times and she’s been great every time!
Tracy was extremely patient, informative and very efficient with all aspects of our home buying experience. She always kept us up-to-date with statuses and made sure we understood what our next steps were. Highly recommend her hard work and...
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Tracy was extremely patient, informative and very efficient with all aspects of our home buying experience. She always kept us up-to-date with statuses and made sure we understood what our next steps were. Highly recommend her hard work and...
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I and my husband had a very positive experience with ACM lending.From first telephone call about getting mortgage until closing, the process of obtaining mortgage went very smooth. We were working with Tracy who was very helpful and pleasant...
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Tracy Bray with Atlantic Coast Mortgage is excellent to work with from start to finish. She is very knowledgeable and prompt and is always pleasant. Through the fault of our buyer, our closing date was delayed and Tracy made the process seamless....
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Tracy Bray has received a review with 5 star rating from Raymond B
The entire process was very simple and efficient.
Reply from Tracy Bray
November 10th, 2023 03:14 PM
I'm truly thankful for your kind words, Raymond (and Tonya). It's great to hear that you found the process simple and efficient. I know it was stressful with the sale of your current home going simultaneously but glad it all worked out!I hope...
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Excellent customer service. From the first phone call for to the loan application until the closing, Tracy proved to be very helpful and customer oriented person. She guided us on every step. We both, Asifa and myself, appreciate her help and...
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Reply from Tracy Bray
November 10th, 2023 03:12 PM
Thank you so much for your kind words, Mahmood. I'm thrilled to hear that you found the loan application process to be simple and pleasant. It was my pleasure to guide you and Asifa every step of the way. Your appreciation truly means a lot...
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Tracy Bray has received a review with 5 star rating from Raymond B
Our experience with ACM was stress free and Tracy Bray is a wealth of knowledge and the ultimate professional.
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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