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Tracie Southerland, (NMLS ID 296909)

Tracie Southerland

Financial Advisor | Senior Loan Advisor

NMLS ID: 296909

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

2875 El Camino Real

Palo Alto, CA 94306

About Tracie Southerland

Decisions to purchase real estate can completely alter our financial situation and have significant consequences for our future. This is why planning is so critical. With our unique offering of mortgage + tech + advice, we can show you there’s much more to consider in addition to rates and monthly payments.

 

Tracie Southerland excels in helping her clients determine the optimal purchase price, down payment, and loan structure when they are purchasing a home or refinancing their current mortgage. As a part of the loan approval process, she works with her clients to analyze their current financial situation as well as their plans and dreams for the future. Using real estate decision technology, Tracie shows her clients how the decisions they make today will impact their financial future.

 

Tracie has more than 30 years of experience in financial services and mortgage banking. She has an excellent reputation within the local real estate community for closing transactions on time and with a high degree of professionalism. She does extensive research and work up-front to determine the best financing structure and mortgage product for each client. Her authentic, straightforward approach coupled with her ability to anticipate and, therefore, avoid potential obstacles give her clients certainty throughout the process.

 

Tracie’s extensive leadership experience includes:

 

-  More than 30 years in the mortgage banking and wealth management industries
 

-  Wealth Advisor and Senior Loan Advisor


-  Branch Manager (1997-2002)


-  Personal Finance Advisor


-  Licensed California Real Estate Agent/Mortgage Loan Originator


-  President’s Club Member


-  Consistently ranking in the Top 1% of mortgage loan professionals nationwide

 

Tracie lives with her family, including two labradoodles, in Los Altos.

Mortgage Specialization

  • Jumbo Loans

Languages Spoken

  • English

Client Testimonials

Hear what my previous clients have to say about my work.

Tami Z.
“Tracie Southerland and Lara Larkin were extremely helpful in getting my financing together. They helped me with the process and documentation. I would highly recommend them to anyone seeking a home loan.”
Faith P.
“Tracie Southerland is a phenomenal mortgage loan advisor. She is an expert with an expert team, and I would not consider using anyone else.”
Priya P.
“Tracie is amazing, and we wouldn't have done this without her and her team.”
Michael M.
“Tracie Southerland and her assistant Lara Larkin are both excellent -- responsive, know their stuff inside and out, address issues quickly, and keep the process running smoothly.”
Arielle M.
“We had a loan with a different lender fall through due to unprofessional behavior from that lender. Tracie kept us updated at all times and was very clear with what was needed. What we expected from our loan was what Tracie was able to provide for us. ”
Pollyanna P.
“This process was seamless! Everyone told me refinancing was a hassle, but not with Tracy and her assistant, Lara Larkin! They immediately responded to my questions with the answers I needed. I would be happy to work with them again! ”

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

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STEP 1

Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for your loan.

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

STEP 4

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5

Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

Complete a loan application online, and submit the necessary financial documents.

STEP 2

Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator
Tracie Southerland, (NMLS ID 296909)

Tracie Southerland

Financial Advisor | Senior Loan Advisor

NMLS ID: 296909

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

2875 El Camino Real

Palo Alto, CA 94306

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Tracie Southerland, (NMLS ID 296909)

Tracie Southerland

Financial Advisor | Senior Loan Advisor

NMLS ID: 296909