Mortgage company owner for over 14 years. Tracy L. Kelly has a proven track record in the mortgage industry. Born and raised primarily in Costa Mesa/Newport Beach, CA and prides herself as being one of few true California girls. Launching her business in 2005 while on bedrest pregnant with her son she was able to established herself in multiple states across the US as a mortgage broker/banker. Kelly Mortgage Inc. offers a variety of mortgages from conventional, FHA, VA, Reverse, and commercial. Tracy has earned an outstanding reputation by being honest and forthright when dealing with borrowers. She is the broker and owner of one of the fastest growing female owned mortgage businesses in the United States. Tracy is motivated, results-oriented and financially astute. Kelly Mortgage Inc. provides the best possible rate available for home buyers and those refinancing their existing property; always willing to assist those in need in order to get their loan closed. Tracy is dynamic and deeply committed to providing a smooth and enjoyable experience; keeping lines of communication open between her and clients, transaction coordinators and all involved in the process of a home mortgage. Tracy is skilled in dealing with a wide variety of negotiations including traditional transactions, land sales, new construction, condo conversions, short sales, loss mitigation, refinance, and foreclosures; just to name a few. Known for an exemplary level of integrity and knowledge, Tracy graciously upholds the standards set by her company.