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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Hi, I’m Traci Emond, a Senior Loan Officer with over 21 years of experience in the mortgage industry. Throughout my career, I’ve had the privilege of helping countless clients achieve their homeownership dreams. I specialize in working with first-time homebuyers, VA buyers, and divorcing homeowners, providing tailored solutions to meet their unique needs.

My extensive experience and deep understanding of the mortgage process allow me to guide my clients smoothly from application to closing. I pride myself on my ability to secure competitive rates and favorable terms, ensuring my clients feel confident and supported every step of the way.

When I’m not assisting clients, I enjoy cooking, traveling, boating, and spending time with my two amazing girls and all our animals. These activities help me stay balanced and energized. I’m also actively involved in the Leadership of Greater McHenry County and the McHenry Chamber of Commerce, reflecting my commitment to giving back to the community.

I’m passionate about helping people navigate the complexities of the mortgage process and achieve their homeownership goals. If you’re looking for a dedicated and knowledgeable loan officer, I invite you to reach out to me. Let’s make your homeownership dreams a reality!

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
Reverse mortgage loan

Reverse mortgage loan

If you’re retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.96 out of 5.0 stars
5.0
4.98
4.92
Nancy Norman W
Jul 30, 2025
Verified

Working with Traci was an absolute dream. From the very first conversation, she brought clarity, warmth, and professionalism to every step of the home loan process. Her communication was impeccable—always available, always patient, and always proactive. Traci made sure I understood every option, answered every question (no matter how small), and kept things moving swiftly and smoothly. Even with a tight timeline, she and her team delivered—closing on schedule and keeping all parties informed. Her dedication, expertise, and genuine care turned what could have been a stressful experience into a confident and exciting journey. If you're looking for someone who truly has your back, Traci is the one. I wouldn’t hesitate to recommend her to anyone seeking a seamless and supportive home financing experience. Thank you, Traci—you’re a standout in every way!
Timothy
Jul 19, 2025
Grayslake, IL
Verified

Traci was VERY responsive to our questions and concerns or any other issues that arose during our home buying, and even knew of various methods to help get us the most competitive interest rate, as well.
Arielle
Jun 27, 2025
Fox Lake, IL
Verified

Traci is incredible. She was there for me every step of the way and always had my best interest in mind. She is amazing!
Dena
Jun 27, 2025
McHenry, IL
Verified

Traci was very knowledgeable about the loan process and provided my buyer with all the different options available for her. She always answered my calls promptly when we were in the middle of making offers.
Dagmar
Jun 27, 2025
Fox Lake, IL
Verified

Traci was efficient and kept in touch with us both during the process till the clsoing date
Sherri
Jun 09, 2025
South Elgin, IL
Verified

Traci was professional and the closing took place like planned. Thank you.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1073937
I am authorized to do business in the states of Illinois, Tennessee, Texas and Wisconsin. (www.nmlsconsumeraccess.org/);