Tracy White

Mortgage Loan Originator


Cell Phone: 260.466.6572

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In September 2014 I celebrated 30 years in the mortgage business!  My career started with Waterfield and now I am coming full circle and working with so many of the same talented people.  Although the business has changed dramatically over 30 years, my underlying passion for what I do remains the same.  I still get such a thrill from helping people navigate the mortgage process and select the best mortgage program for their families unique needs.  I have been so lucky to work with some of the top Realtors and Builders in our area over the years and consider many friends.  I take great pride in working with some of the same customers that I did all those years ago, helping with their first home, second home, refinancing, vacation homes… and now helping their children and (gasp!) grandchildren!

I share my home with my husband and three dogs.  My non-working hours are spent enjoying my family and friends, the lake and all things dog.  I travel often to dog shows and my therapy dog Norman and I love to visit nursing homes and hospitals.




Tracy’s Clients, in their own words

 Read just a few of Tracy’s Client Reviews here, and see what makes her one of the best in the business

“Expert Advice Even for the Most Novice Customer”

Tracy has helped me refinance a home and finance a new home when I sought her out. She has patience beyond belief and answered my “thousand questions” professionally and promptly. I will use and recommend Tracy as long as she is available!


“Amazing Customer Service”

Our realtor put us in contact with Tracy when our “pre-approved” loan through our bank was suddenly denied. Tracy quickly put our VA mortgage together and was extremely helpful explaining every detail along the way. I have already recommended Tracy White and her Hallmark teammates to others and will continue to do so.


“First Time home buyer”

Tracy was responsive to all my questions and never had to refer me to anybody, she had the answers. I was confident at closing that I had made the perfect choice. I received a message from Tracy asking me how things were going and that she just wanted to make sure that I was happy and okay.


“Professional, efficient, and effective”

Tracy is incredible to work with. She is very knowledgeable in her field and has a great ability to simply explain the process for first time home buyers. Additionally, Tracy works hard for you. She is responsive to any and all questions you may have in a timely manner, and ensures that you stay on track to get through the process and into your home as quick as possible. I wouldn’t recommend any one other than Tracy White to work on your loan.


“The best in the business!”

Tracy is incredibly knowledgeable and efficient. Tracy set the expectations for the entire process right up front, so I never had to worry about a thing!! I would recommend her to everyone I know!!



Contacting Tracy

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NMLS #426431