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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Tracy worked tirelessly to overcome numerous challenges and was very responsive answering all my questions.
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
Thank you, Jared, for your wonderful review. It was a pleasure working with you and I am so happy everything worked out as intended!
Tracy was very supportive and understanding of my undecisiveness. Talk me through everything. And explain things very thoroughly. Thank you Tracy. Look forward to working with you in the future.
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
Bryan, thank you for your kind words. I'm happy to have been able to assist you with your real estate goals!
Your People are very helpful!
Reply from Tracy Y Koontz | OVM Financial
April 22nd, 2026 05:37 PM
Thank you for taking the time to complete your survey. We appreciate your business!
Mrs. Koontz was knowledgable, helpful, and explained things very well. All came together in a timely manner with a pleasant attitude, friendly manner, and yet very professional as well. I would highly recommend her as a senior loan officer....
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Tracy and the team were incredibly knowledgeable, accessible and responsive. I also really appreciated the ease of use of the online portal and email notices for uploading documents.
I have been a Realtor for more than 40 years and Tracy is the best I've ever worked with. I am confident when my clients are recommended to Tracy ,I will get the best results possible , It is an understatement to say she is my go to mortgage...
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Tracy was very thorough and attentive to our needs.
Tracy is the best !
Service was great. Closing fees seemed a little steep to me. No Realtors were involved and it still cost me 3%
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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.