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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
5.0
4.91
Larry
Jan 08, 2025
Verified

As an attorney I have worked with a lot of lenders. Way too many. Most are average. Traci is THE BOMB. She serves. She is humble and meets a client where they're at. It's never her agenda. Her agenda is serving each client. It doesn't surprise me that she is rated so high. If you're not sure, let me help you....GO WITH TRACI
Norm
Jan 04, 2025
Verified

Traci is the most professional and knowledgeable mortgage specialist that I've ever had the pleasure to work with. She helped guide me through the reverse mortgage process for my mother with ease and provided all the resources needed to keep my mom in her home. Traci will help you too!
Benjamin
Dec 23, 2024
Crystal Lake, IL
Verified

Responsive, competative and looking out for my best interst/needs.
Steve
Dec 16, 2024
Crete, IL
Verified

Traci was exceptionally thorough throughout the entire process and communicated effectively every step of the way. Her dedication to her clients is evident, and I would highly recommend her without hesitation.
Paige M
May 31, 2024
Verified

Traci is incredible!!! She was able to assist in making my first time home buying process so smooth. She was in constant communication with me via text, call, and email. She was able to find me a great loan program and did everything she could to assist in closing on time. Traci is super down to earth and really cares about her clients and the work that she does. I will be going to Traci from here on out for any mortgage needs! Thank you so much!!!
Larry N
Dec 01, 2023
Verified

I'm a Realtor, and recently Traci was the loan officer serving the buyer of my listing: she really impressed me! Traci knew her borrower, knew her business, and was willing to actually pick up the phone and communicate. In fact, all of Traci's communication was timely, accurate, relevant, and personable: that alone puts her in the top 10% of loan officers for professionalism. But, if you are a Home Buyer, choosing a Lender, I can't overemphasize how important that choice is to your success, especially in a market like we are in, with intense buyer competition for scarce home inventory. Pro-tip: that internet lender who attracted you with the low teaser-rate, is not the champion you want fighting on your behalf when adverse circumstances arise in the home buying process - you'll want a Traci fighting for you. Our transaction ran up against the delays and confusion caused by the data hack of FNF; and that's where Traci really showed her quality. The disruption from that data hack caused many many buyers to have their closings delayed and rescheduled, with untold inconvenience and loss to those consumers: some even had their home purchase fall apart; but Traci worked tirelessly to get her borrower's loan commitment, and she kept our closing on right schedule. When it's something as consequential as your home, that's the lender you want on your side. I would gladly recommend Traci to my own clients, and if you are looking for a Loan Officer who will help you win as a Home Buyer, Traci Emond would be an excellent choice. Larry Naselli, Illinois Real Estate Licensee, HOME & FAMILY at Keller Williams Realty Signature

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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/);