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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
Carson
Apr 21, 2025
Prophetstown, IL
Verified

Traci is always great to work with and we have never had a problem with Guild Mortgage.
Nicholas
Apr 14, 2025
Antioch, IL
Verified

Traci Emond was amazing during the entire process and hung in there with me for a couple of years before I was able to make my purchase. Thank you for everything and your rpatience with me :)
Barb Bloomfield - R
Apr 07, 2025
Verified

I’ve worked with many military homebuyers over the years, and Traci stands out as one of the most knowledgeable lenders when it comes to VA loans. She consistently goes above and beyond to serve those who’ve served our country. Traci is truly dedicated to making the homebuying process smooth and successful for all of my homebuyers.
Lisa
Mar 17, 2025
Woodstock, IL
Verified

Traci is an excellent loan officer. She is flexible and available when I need her. She is very knowledgeable and makes the loan process straightforward and streamlined.
Robert
Mar 17, 2025
Wonder Lake, IL
Verified

It was because of Traci Emond she dug me out of a financial hole that was beyond deep, Thanks Traci
Anastasia
Feb 18, 2025
Antioch, IL
Verified

Traci's professionalism, authenticity, knowledge, and positive demeanor. She was transparent and easy to talk with. I like to collaborate with her again in the future, with a new client.

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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/);