Tracey Naughton

Vice President of Mortgage Lending
40 Skokie Blvd, Ste 450, Northbrook, IL 60062
Contact Tracey
NMLS: 560139
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

Great job by all involved.

David K. | May 2018

Great job by all involved.

David K.

From start to finish it was an easy stress-free process! I would definitely recommend Guaranteed Rate and Tracey Naughton to all of my family & friends.

Sally S. - May | 2018

I had a lot of challenges given a previous Deed in lieu and Tracy and Annette got us a loan for our dream home even though my husband wasn’t able to be on the loan. At the end of the day they got the deal done and we now have our dream home.

Alisia A. - May | 2018

Tracey Naughton was the best, she explained everything and she guided me through the whole process. She made sure everything went smooth at my closing. I couldn’t ask for a better loan officer, she went beyond my expectations.

Claudia I. - May | 2018

Tracy Naughton and her team did an excellent job. They were easy to reach via the phone or email, and quick to return messages. Both Annette Price and Mark Rosenberg were quite helpful. Great communicators.

Kurt R. - Funded 10/11/17

What an amazing team. Tracey, Mark, and Annette are really fantastic! So friendly, easy to work with, and RESPONSIVE! They were so quick to get back to me on everything and great at getting answers for me (and I had lots of questions!) Tracey is so knowledgeable and friendly and worked very hard to keep me updated and get me exactly what I needed when I needed it. I was able to close early!!! I'm happy in my new home thanks to Tracey and her team! Thanks Guaranteed Rate!!

Mary P. | September 2017

Tracey Naughton was the best loan officer I’ve ever worked with. She was extremely knowledgeable, gave solid advice and answered my questions immediately. Everything in the process was done correctly and in a timely manner.The transaction went smoothly!

Liv T. - Funded 10/6/17

This was the easiest mortgage process, application to closing, that I have ever experienced.

Jorge G.

Tracy was great to work with & answered any questions we had regarding our loan.

Thomas L.

Good communication, great treatment and excellent rates make this company very easy to work with.

Colin O.

This was our third loan with Tracey Naughton. Simply awesome!

Marcia L.

Our Loan Originator, Tracey Naughton, was outstanding. She was very accessible, timely, knowledgeable, professional and thorough. She remain engaged in our application and kept us informed throughout the entire process. Mark Rosenberg, our loan Consultant Supervisor, and Annette Price, our Loan Coordinator, were also very professional and fully explained the necessary document requests associated with a mortgage application and closing. I would not hesitate in the least to recommend Tracey...

Matthew M.

Overall the experience was very good. Shocking that in 2017 many banks don't allow you to do online applications where as Guaranteed Rate allows an online applications and approval in minutes. This as well as the APR rate received, largely help drive our decision to go with Guaranteed Rate.

Matthew B.

Tracey was extremely helpful during the loan process and I would definitely recommend her to others.

Irene A.

Tracy was fantastic! Thank you

Skyelar H.

Tracey Naughton and her team were awesome!

Howard H.

Tracy Naughton did a terrific job !

Joseph W. 07/14/2017

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

About Tracey

Tracey E Naughton is a VP of Mortgage Lending at Guaranteed Rate. She has over twenty-five years of experience in the mortgage industry, the last seven with Guaranteed Rate. Initially focusing on foreclosures, bank-owned, and short sales, Tracey redirected her attention to helping clients realize the dream of owning their own home.

“I really enjoy what I do, it’s exciting to help people get into their dream homes and make the biggest purchase of their life! After helping people structure their debt to get where they want to go, there is no better reward than the heartfelt ‘Thank You’ that comes from my clients.”

The determination to help clients achieve what seems like the impossible is a driving force for Tracey. She strives to be the go to person for all things mortgage related. Her goal is to have an excellent reputation with clients and realtors alike and for Tracey, that starts with building strong, genuine, long lasting relationships.

Tracey is originally from the north side of Chicago. She is married with three kids. The oldest child aspires to be a pilot and will graduate from aviation school in July of 2018. The middle child is currently a junior at DePaul and resides in Lincoln Park, while the youngest child will be attending ISU in the fall of 2018.

“Believe in what you love, and love what you do.”

-Tracey Naughton

Tracey interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
By actively listening to my customers, I’m able to better help with their mortgage needs. I work with my customers to structure their mortgage with all their personal and/or business financial obligations in mind. I will go through the mortgage process in detail so that they are educated on their various options available. By helping clients see their options, they will make educated decisions regarding their mortgage.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The low initial cost of adjustable rate mortgages, or ARMS, can be very tempting to first time homebuyers, 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 to refinance or a new home purchase, I can help my customers pick the mortgage that best 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 concern during the home loan process is reviewing the final Closing Disclosure. Understanding escrows for taxes and credits from the sellers can be confusing for anyone from first time buyers to experienced homeowners that are refinancing for the third time. I go over the CD with my clients on purchases and refinances item by item before closing. I patiently answer any questions they may 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 two brothers. I graduated from AON Corp's internship program and was a corporate licensing specialist and held various management positions over seven years. I started in the mortgage industry twenty years ago, and have been involved in many aspects, including working with investors. Most of my mortgage clients live in Chicago and its collar counties, such as Lincoln Park and the North Shore. I reside in the northern suburbs with my husband and three children. 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.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Intuitive Loan Finder

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.