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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!

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.

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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.
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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.
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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.

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

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.97 out of 5.0 stars
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5.0
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5.0
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4.9
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5.0
Nancy W.
Oct 6, 2025
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Working with Traci was an absolute dream. From the very first conversation, she brought clarity, warmth, and professiona...See more
Gwendolyn
Oct 6, 2025
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entire process
Paul F.
Oct 4, 2025
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Traci was great to work with! Fast, sharp, clear and especially thorough. Closing went smoothly, all was in place. Than...See more
Amanda S.
Oct 4, 2025
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Traci is the best! Extremely knowledgeable and quick to answer all your questions. She is a joy to work with!
TheMrbenjah
Sept 3, 2025
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Traci Emond went above and beyond her duties as a loan officer and was simply an understanding and caring human. Being a...See more
Barb B.
Sept 3, 2025
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I’ve worked with many military homebuyers over the years, and Traci stands out as one of the most knowledgeable lenders ...See more

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Awards

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Causes & Memberships

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NMLS ID #1073937

I am authorized to do business in the states of Illinois, Tennessee, Texas and Wisconsin. (www.nmlsconsumeraccess.org/);

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