Tracy Y Koontz | OVM Financial
Mortgage Loan Originator -NMLS # 659412
Tracy understands that purchasing or refinancing a home is one of the most significant financial decisions you'll ever make. This is why she is committed to guiding you every step of the way, ensuring you're informed and empowered throughou... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Tracy was kind and always willing to help me . She answered all my questions . I felt like I gained a friend. Great person to work with.
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
I'm pleased to hear that you had such a positive experience, William. It's important to me that my clients feel supported and informed throughout the process. I'm glad I could be there to help with your questions and that you felt comfortable...
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was on it from day one an hour mutual client could not be happier. Look forward to doing another deal very soon.
It was great to work with Tracy again and both she and Renea were wonderful to work with!
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
Thank you, Sarah, for your kind words and the perfect rating. I'm delighted to hear that working with me again was a positive experience for you. It's wonderful to know that you found both Renea and I to be helpful throughout the process. If...
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Tracy was very responsive in getting info to us in a timely manner. Likely would have switched lenders if it wasn't for Tracy's communication and staying on top of our concerns.
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
Thank you, Douglas, for sharing your experience and for the positive rating. Communication is key, and I'm pleased to know that my efforts to keep you informed made a difference for you. If there's ever anything more I can do to assist, please...
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Tracy is very Service Oriented and patient.
Tracy keeps you informed the entire process. She knows the business inside and out and provides my clients with exceptional service.
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
Thank you, Jennifer, for the wonderful review. It's a pleasure working with you and I look forward to closing many more deals with you in the future!
Great response to requests
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
I'm glad to hear that you found my responses helpful, Matthew. Ensuring that requests are addressed promptly and effectively is important to me. Thank you for your feedback and the wonderful rating!
Tracy is absolutely awesome!
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
Thanks so much for the wonderful review. It was such a pleasure working with you and I think you two are awesome as well.
Tracy and Renea were very responsive and attentive to any questions or concerns that we had. There were times we had questions on nights and weekends and Tracy always responded ASAP. You can tell she knows her stuff. i would like to thank them...
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Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
I'm thrilled to hear that you had a positive experience with our team. It was a pleasure assisting you, and I appreciate your kind words about our responsiveness and attentiveness. Thank you for trusting us with your mortgage process.
Best loan officer in the world. I have gotten all my loans from Tracy and would never go with anybody else!
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About
Tracy understands that purchasing or refinancing a home is one of the most significant financial decisions you'll ever make. This is why she is committed to guiding you every step of the way, ensuring you're informed and empowered throughout the process. With a comprehensive background in various mortgage lending facets, Tracy is equipped to assist with diverse needs—whether you're a first-time homebuyer, seeking a new home, or exploring refinancing options. Specializing in Conventional, Jumbo, FHA, VA, USDA, and Renovation loans, her goal is to find not just any loan, but the perfect one for you.
Products & Services
Mortgage Loan Officer
Conventional Home Loan
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Year Started
2011
Time Zone
Pacific Standard Time (PST)
Licenses
- 659412
Disclaimer
©2026 American Neighborhood Mortgage Acceptance Company LLC (dba OVM with AnnieMac Home Mortgage). Corporate NMLS# 338923 (http://www.nmlsconsumeraccess.org/). OVM with AnnieMac Home Mortgage is an Equal Housing Opportunity. For a complete list of our licensed states visit: https://ovmfinancial.com/licensing American Neighborhood Mortgage Acceptance Company LLC (dba OVM with AnnieMac Home Mortgage) is not affiliated with the U.S. Department of Veteran’s Affairs, the U.S. Department of Housing and Urban Development, the U.S. Department of Agriculture, or any other Federal Government Agency.