Tracy Padgett

Vice President of Mortgage Lending
125 North Main St, Crown Point, IN 46307
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NMLS: 622569
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TestimonialsCustomer testimonials Read more

I had the privilege of having Tracy Padgett as my agent. When sending a message or leaving a message on her phone she responded in a timely manner. She was very helpful and a available to me when I needed her assistance. I think all went as well as it could be expected. Thank you Tracy and Guaranteed Rate

Emiliano D. - August | 2018

I purchased a VA foreclosure with utility problems, and a short time to close due to the VA taking forever to except my offer. My agent was concerned we couldn’t get it done, but my mom was able to get me a first time home buyer program with a low down payment on a property who’s utilities did not function. And we closed in 20 days. And she didn’t just do this because I am her son, I’ve seen her do this for customers for many years.

Eric P. | July 2018

Tracy did an amazing job working with me to get my loan approved and finalized. I will definitely work with her again for my future home loan needs.

Kyle H. | MAY 2018

Tracy made the the process of getting a loan for our home extremely easy. She is very knowledgeable and explained every detail throughout the process. I would recommend Tracy to anyone looking to make their home buying experience quick and easy.

Kevin B. | June 2018

Tracy very professional and helpful throughout my loan process always willing to help with immediate and accurate response

Adalberto M. - June | 2018

Tracy was professional and responsive to all our questions even after office hours. I would highly recommend Tracy to anyone and would love to work with her again.

Ramon G. - BolingBrook, IL | Mar 2018

Our Loan Officer, Tracy Padgett, was very personable and knowledgeable and explained all options and features very clearly. She always kept us aware of any requirements needed for further processing in order to get our loan closed smoothly.

Richard & Pamela F. - Dyer, IN | Feb 2018

Tracy was fantastic!

Donald G. - Lockport, IL | November 2017

Tracy Padgett and her team made the refinance easy and painless! I was able to skip a payment in the holiday season and save $500 a month. Thanks Again!

Gerad C. - Lockport, IL | November 2017

Tracy is great. We have worked with her in the past and will work with her as needed in the future. She was willing to help us years before we made the purchase. She did what was right for us. Tracy made this easy for us.

Renee S. - Lexington, TN | OCT 2017

Tracy Padgett was amazing and helped so much. We were very happy with our experience.

William L. - Hammond, IN | AUG 2017

Good people to work with. Tracy Padgett was awesome!

Linda T. - Oak Forest, IL | MAY 2017

Kathy Meyer, my realtor, hooked me up with Tracy Padgett and Guaranteed Rate. Tracy was very helpful the whole way through the process of getting my loan.

Heather W. - Hobart, IN | MAY 2017

Kim Stewart and her team were extremely accessible, congenial, professional, efficient, and expedient! As first-time home buyers, we had no experience with this process and Kim's guidance and attention put us at ease and we are so grateful for her help. It was an excellent experience!

James B. - Albuquerque, NM | MAY 2017

Great experience with Guaranteed Rate and our loan officer, Tracy Padgett. She made the whole process easy, fast and painless. Very efficient and understanding. Great command of Internet, able to do everything with email and fax. We are looking forward to our next deal with Tracy Padgett and Guaranteed Rate. Please feel free to use us as a referral source.

Mitchel B. - Munster, IN | MAY 2017

Guaranteed Rate did an amazing job at moving quickly and closing before our due date(baby). We would highly recommend them to our friends and family. The staff was friendly and always available. GREAT JOB Guaranteed Rate!!!

Anthony C. - Hobart, IN | APR 2017

From the first phone call, my loan officer, Tracey Padgett, and her team, were very professional, caring and compassionate! They went above board to make this process a great experience! Thank you, Tracey for an awesome, and on time experience!

Paulette T. - Merrillville, IN | APR 2017

Tracy Pagett was there for us through every step of the process and laid everything out in terms that we could easily understand. She was such a delight and made the loan process go so smoothly, we really appreciated her.

Colin C. - Monee, IL | APR 2017

Tracy was professional and helpful from the very beginning. She answered all of our questions in a timely manner while going through multiple scenarios for us. She reassured us that we were well within budget and assured that our first home purchase was something that we could definitely handle. Tracy created a stress free process (first time home buyers) for us every step of the way and we couldn't imagine going through everything without her. She even took the time to be there with us at the...

Andrew K. - Elgin, IL | APR 2017

Tracy Padgett is a great lender to work with. She made the process easy for a first-time home buyer.

Tiffany F. - Joliet, IL | MAR 2017

We really enjoyed working with Tracy!! She was with us every step of the way and really simplified the loan process. Her response times were very quick and she delivered on all her promises. We are very satisfied and plan to recommend her to family and friends!!

Benjamin F. - Crown Point, IN | JAN 2017

I was very happy with Guaranteed Rate and Tracy did a wonderful job!

Alan W. - Peotone, IL | OCT 2016

I really appreciated the timely communication from my loan officer.

Dawn N. - Chicago, IL | JULY 2015

Our loan agent Tracy Padgett was so personable, knowledgeable & helpful! She always replied back quickly & was always very pleasant. We couldn't have been happier with her.

Dawn F. - Manhattan ,IL | OCT 2016

My loan officer, Tracy Padgett, was very personable and made me feel like she cared about me. I was able to call her cell phone and text her, and she got back to me within minutes sometimes. It was nice to know that she was local, and I wasn't talking to someone clear across the country.

John E.- Coal City, IL | JULY 2015

Tracy Padgett went above and beyond to make sure everything we needed was taken care of and that all of our questions got answered (IN A TIMELY MANNER). My wife and I, are the reason that she was late for several dinners and had to work many weekends, yet she never made us feel as though we were a bother or inconvenience. I now know finding a good loan officer is more than finding someone who offers you down payment assistance. What's down payment assistance if you fail to get your dream home...

Eric J.- Matteson, IL | JUNE 2016

Tracey Padgett was amazing. We were first time buyers and she made a stressful process so much easier for us. She always made us feel like we were in good hands. We were very thankful to have her.

Kristi W.- Cedar Lake, IN | DEC 2016

Tracy Padgett went beyond the call of duty. She reported to my request immediately even during non-work hours because of that, I was able to submit an offer immediately on my dream house. I would whole-heartedly recommend her to anyone interested in buying a home, refinance or whatever. She is AWESOME!

Sherene V.- Bellwood, IL | DEC 2016

Tracy Padgett was very helpful and knowledgeable. I never had a problem getting into contact with her and she was always able to answer any questions I had. She really made the entire process very easy.

Jeffrey D.- Highland, IN | DEC 2016

Tracy Padgett and her team worked really hard to obtain a loan for us. We were relocating and they made it a seamless process. Thanks for all your time and effort!

Amy R.-Manhattan, IL | DEC 2016

Tracy Padgett of Guaranteed Rate and her team of associates were AWESOME!!! Tracy was extremely knowledgeable, patient and kind throughout the whole process. I couldn't have asked for a better mortgage experience as a first-time homeowner! Should I ever need to refinance or even buy a new home in the future, my go to will be Tracy Padgett of Guaranteed Rate! And, I will definitely be recommending my friends and family to Tracy Padgett and her team for their home loan needs. Very pleased and...

Linda S.-Schererville, IN | NOV 2016

Tracy Padgett was extremely knowledgeable, professional and made us feel at ease throughout the loan process. Tracy was efficient and patient in answering all my questions. I will definitely recommend her to family and friends and should we need her services in the future, Tracy will be the first one we will call. Tracy Padgett is the best at what she does!

Peter K.-Cedar Lake,IN | NOV 2016

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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