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Tracy Padgett

Vice President of Mortgage Lending
8051 Wicker Ave, Ste C, Saint John, IN 46373
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NMLS: 622569
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TestimonialsCustomer testimonials Read more

We are BEYOND satisfied with our Loan Officer, Tracy Padgett. She is everything we needed when buying our first home. From our initial phone call, all the way to closing, she was with us every step of the way to keep us informed and prepared. I highly recommend her team to everyone. When it comes time to buy our next house, Guaranteed Rate will be our first phone call!

Steven D. | 10/04/2016

The experience was very smooth and stress free!

Scott T.-Demotte,IN | JUN 2016

Tracy Padgett and her team worked on my mortgage and I could not be happier with the service they provided. I am more than pleased with the exceptional service I received with Guaranteed Rate. Every phone call and email were answered almost immediately. They were extremely knowledgeable and I felt very comfortable putting my trust with them. I have never experienced a smoother transaction from start to finish. I would definitely use Guaranteed Rate again and I would most certainly refer them to...

Ryan J.-Elmhurst,IL | JUN 2016

Tracy did an excellent job of keeping me informed with anything that was going on in regards to the loan. She was very on top of everything and did make it really easy to continue along with the process. I would easily recommend her to anyone and most definitely will in the future.

Steve D. -Oak Lawn, IL | APR 2016

Tracy Padgett was great to work with. Tracy was very helpful throughout the loan process and was easy to get in contact with. I have and will recommend my family and friends to call Tracy for their mortgage needs.

Tim G. – Tinley Park, IL | MAY 2016

Love Tracy! She's competent, professional and to the point.

Martin M. – | OCT. 2015

Tracy is amazing and her team is as well! I would recommend her to anyone looking to purchase a home!

Sarah H. – Hobart, IN | OCT 2015

Tracy is a super professional and knows her stuff inside and out. I'm so blessed that I was led to her for my loan. I couldn't have done better. Thank you Tracy!

Kassie K. – Hobart, IN | NOV. 2015

Tracy knows mortgages! People who want a knowledgeable professional who is responsive, thorough, and caring should look no further. She is a rarity in the mortgage business and her success proves it!

Steven C. - FEB 2016

As a realtor, it is important that I find a mortgage money for my clients and Tracy always has the plan to do that. If she tells me she get it done she always comes through!

Craig J - Realtor | FEB 2016

This was my first time buying a home. I could have asked for a better experience. I hope if I ever buy another home it goes as smooth as it did this time.

Brian V. – Joliet, IL | MAR 2016

The process was painless fast and convenient process. We are not killing trees. My loan officer was Tracy Padgett and I would never go anywhere else. I highly recommend her for anyone that's looking for a home. Great feedback and consistent follow-up skills. I absolutely love her!

Naomi B. – Sauk Village, IL | AUG 2015

Tracy Padgett was awesome to work with.

Fidel T.– Hammond ,IN | June 2015

About Tracy

As a member of the elite Guaranteed Rate Frankfort, IL and Northwest Indiana office, helping individuals effectively fit real estate purchases or refinances into their overall wealth plan is my passion. I also enjoy connecting with other business professionals who share my appreciation for the real estate industry and want to grow our businesses together.

In addition to my bachelorýs degree in finance from the University of Illinois, and my MBA from DePaul University, I have been in residential lending for over 14 years. I also have many years in the construction and renovation fields, in various capacities. And having been an underwriter for many years prior, I understand the complexities of financing and the importance of proper documentation, structuring and follow-up.

I greatly enjoy helping people understand and effectively navigate the mortgage process. I am passionate about helping people utilize their unique financial position and turn their home purchase into a long-term wealth plan.

Tracy interview Q&A

Who is your typical customer and what questions do they typically have?
I like working with all types of customers and helping them turn their unique financial situation into the most effective mortgage for their needs. I enjoy working with first-time homebuyers and those who have financed various properties over their lifetime.
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry has changed dramatically over the past several years due to the economic situation. These changes are meant to protect financial institutions and individual borrowers. The changes have fostered a more conservative financing environment that is better for buyers in the long-term.
What part of the home loan process do customers find most difficult and how do you help them through it?
Each client has a different understanding of the home purchase process. I enjoy discovering their needs and helping them most understand the whole process to the level they need.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When I am not helping my clients, I enjoy spending time with my family and my furry critters. Hanging out with my husband and son as well as my nieces and nephews is my first love. And playing with my rescue pets (2 dogs and a cat) is what relaxes me and gives me great joy.
Tell us something that makes you unique or something wacky, yet interesting about you?
Though most people think I am very confident and outgoing, I am really a very shy person. My love for financing and confidence in my knowledge of lending and mortgage products gives me the passion to overcome my natural shy nature.

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