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Traci Emond
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Traci Emond

Loan Officer

40w310 Lafox Road, Suite C1, St Charles, IL 60175
Own what matters
Own what matters

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.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
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.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

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

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Testimonials

Testimonials
4.95 out of 5.0 stars
5.0
4.9
TheMrbenjah
Dec 01, 2023
Verified

Traci Emond went above and beyond her duties as a loan officer and was simply an understanding and caring human. Being able to work with someone, not only exceptionally knowledgeable about the process, but also responsive and attentive to any needs arising, is the best anyone going through this process could ask for. Hands down one of the best experiences I've had with any company, let alone a financial company.
Benjamin
Dec 01, 2023
Verified

Traci Emond went above and beyond her duties as a loan officer and was simply an understanding and caring human. Being able to work with someone, not only exceptionally knowledgeable about the process, but also responsive and attentive to any needs arising, is the best anyone going through this process could ask for. Hands down one of the best experiences I've had with any company, let alone a financial company.
Suzie
Aug 15, 2023
Verified

Traci is incredibly smart and very well versed in the loan industry, I sat amazed at her association presentation: the detail and level of professional expertise was not like anything I’ve seen from competing presentations. Any client or lender owner is fortunate to have her on their team.
Mark B
Apr 28, 2023
Verified

Traci is simply the best and most knowledgeable. Very equipped to handle many of life's changes. Can connect you with a wide array of other disciplines as well.
A
Jan 25, 2023
Verified

Traci is the best! Extremely knowledgeable and quick to answer all your questions. She is a joy to work with!
Tomas R
Jan 25, 2023
Verified

Amazing. She was there every step of the way. Great customer service. She preapproved me, connected me with an awesome realtor, and helped me close super fast on my home.

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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);