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Tracey Naughton

Vice President of Mortgage Lending
40 Skokie Blvd, Ste 450, Northbrook, IL 60062
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NMLS: 560139
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TestimonialsCustomer testimonials Read more

Tracey went above and beyond to help us with the loan process as well as ensuring our closing was seamless. We can't thank her enough and would recommend her to everyone we know!

Kelley B.-Pflugerville,TX | JUN 2016

We were very satisfied with the experience and would definitely recommend Guaranteed Rate to a friend. In fact, I already have!

Kathleen S. -Vernon Hills, IL | APR 2016

Tracie was great along with the rest of her Team. Everything was laid out and understandable. They had me calm through out as I was very nervous.

Michael I. – Antioch, IL | SEP 2015

Thank you so much to Tracey Naughton and her team for doing an excellent job on my mortgage application. I will definitely recommend Guaranteed Rate to my family and friends. Two thumbs up!!!

Allan L. -- Arlington Heights, IL 3/14/2014

“I actually closed with another company prior to working with Guaranteed Rate. Two days later, I asked myself "Why am I paying this rate?” I contacted a friend in the business who referred me to Tracey. I canceled the other deal and ended up getting a rate lower by .75% through Guaranteed Rate! The process was easy and painless. I've had loan officers who were ready and willing to explain all the gory details and I'm sure Guaranteed Rate would have done the same if I had wanted that. But this...

Bob P. – Spring Grove, IL – 7/2013


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Tracey interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
By listening to my customers I\'m able to better help them with their mortgage needs. Many mortgage customers have other financial obligations that require me to structure their mortgage around their personal and/or business expenses. I will go through the mortgage process with my customers in detail so that they are educational on their varies options available to them. By helping clients see their options they will make the decision regarding their mortgage that they are most comfortable with.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
There are pros and cons with a fixed rate mortgage versus an adjustable rate mortgage (ARM), especially for first time homebuyers. The low initial cost of adjustable-rate mortgages, or ARMs, can be very tempting to home buyers, yet they carry a degree of uncertainty. Fixed-rate mortgages offer rate and payment security, but they can be more expensive. With the right information, whether it is a refinance or a new home purchase, I can help my customers pick the best mortgage that meets their financial goals.
What part of the home loan process do customers find most difficult and how do you help them through it?
The most common issue during the home loan process is usually before closing when the title company prepares the HUD. Understanding escrows for taxes and credits from the sellers can be confusing for anyone from first time buyers to experienced home owners that are refinancing for the third time. I go over the HUD with the clients on purchases and refinances item by item before closing. I patiently answer any questions they might have until they fully understand.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up on the North side of Chicago with my parents and 2 brothers. I graduated from the AON Corporation\'s internship program and was a corporate licensing specialist as will as varies managerial positions for 7 years. I started in the mortgage industry 20 years ago and have been involved with all aspects of the mortgage progress including dealing with the investors. I have been a loan officer for the last 4 years, and I am currently with Guaranteed Rate. I enjoy working in the northern suburban\'s that surrounding Libertyville, and Vernon Hills. I currently reside in Grayslake with my husband and 3 children who attend the Gurnee Schools. I am a licensed Illinois lender doing most of my mortgage loans within Chicago and it\'s collar counties. I am able to help clients with their mortgage questions or needs nationwide.
Tell us something that makes you unique or something wacky, yet interesting about you?
Along with being a mortgage loan officer, I like lounging at my pool, going to my children baseball, cheerleading, and basketball games. I love to watch football and play golf with my husband and son. I belong to the BNI chapter of networkers plus and Lake County Women\'s Business Network Group. My goal for myself is to help my family, friends, and clients achieve their home ownership dreams.

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