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
Excellent people equal excellent service! All questions were answered promptly and to the point. The entire process of home buying is complicated and Tracy made it easy. Thanks for the great job.
Tracy was very professional and friendly. She was very available to assist with questions and was helpful through each stage of the loan process. Tracy and her teammates made the process very painless.
Got it done with little friction.
Tracy and staff were great ---fees could have been a little" less structured."
Tracy is always my go to loan officer for my clients , friends and family . She is without doubt the best I've worked with in my 40+ years in real estate sales.
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
Thank you, Warren. It's such a pleasure working with you and I always appreciate your referrals!
Tracy was very patient and professional.
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
Thank you so much, Elizabeth, for your kind words and the 5-star rating. Your feedback truly means a lot to me.
Amazing from start to finish!
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
Thanks so much for your feedback. It was a pleasure working with you and I hope I'll have the opportunity to do so again.
Tracy was so easy to work with! She helped explain any questions we had and made the process very smooth.
Not waiting to the last minute the day before closing
Tracy did not offer options. She only listened to our concerns about rate, negating PMI, and VA loan acceptance after I unsolicited asked her about it. I would've switched bankers had it not been so late in our process. I do not appreciate...
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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.