One Sansome St, Suite 1895
San Francisco, CA 94104
Tracy Andreini
Senior Loan Advisor
NMLS ID: 306980
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 meAbout Tracy Andreini
Tracy Andreini has been in the mortgage industry for more than 20 years and has consistently been recognized as a top-producing loan agent serving the San Francisco Bay Area community. She has gained a reputation for being an expert in the San Francisco housing market and she has been approved by the San Francisco Mayor’s Office of Housing to be an official mortgage lender for the City’s First-Time Home Buyer Program. Tracy also specializes in clients who are moving up, investing in real estate and working with those whose special circumstances are unique to San Francisco and require deep expertise…and patience.
Tracy works with clients in Oakland, San Francisco and beyond.
She focuses time with her clients on helping them understand all of the options they have when it comes to choosing a loan program and financing strategies. She works with clients to determine what they can afford based on all of their lifestyle ambitions. She is known as a creative problem solver who is capable of handling even the most complex situations. It has been said by her clients and business partners that if she cannot get the loan done then probably no one else will be able to either. Tracy’s Realtor partners have commented that she has exceptional ability and is responsive and reliable, and very well liked by her clients.
Tracy has a solid track record of securing loans, closing on time and, when needed, getting the loan done quickly. In the competitive SF market, a quick close can make all the difference between getting the home of your dreams or being left empty-handed. Tracy goes the extra mile to ensure that her clients have access to being accepted for homes they make offers on.
Tracy joined Opes Advisors in 2008 as a partner branch manager along with her long-time time business partner, John Ebner. She previously owned other mortgage branch offices in San Francisco with John.
Tracy earned a B.A. in fine arts from University of Newcastle, Australia. She moved from her home in Sydney, Australia to California in 1989, and has lived in the SF Bay Area for more than 20 years.
Mortgage Specialization
- Jumbo Loans
Languages Spoken
- English
Client Testimonials
Hear what my previous clients have to say about my work.
Andrew L.
“Tracy and the Flagstar team were very helpful in guiding us through the processes. They were incredibly fast in providing customized offer letters, and we were able to close quickly due to their extensive knowledge of the unconventional SF housing market.”
Aaron H.
“Tracy and the team were AMAZING! They consistently went above and beyond expectations despite the obstacles thrown their way. I can't speak highly enough of them!”
David M.
“Tracy's team was professional, knowledgeable, and friendly, and we really felt like they were doing their best to help us. They provided information and kept us up to date on the status and progress. I have already recommended her to others.”
Erica C.
“The process of buying our first home can be overwhelming, but Tracy and her team helped make the experience less stressful and enjoyable.
We have already recommended you to friends and consider your team's services a must when buying a home.”
Michelle T.
“Tracy was an excellent guide to me as a first-time homebuyer. She thoughtfully communicated at every stage of the process and supported me in areas that required resolution. On several occasions, she went above and beyond. Thanks, Tracy!”
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.
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
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.
Tracy Andreini
Senior Loan Advisor
NMLS ID: 306980
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 meOne Sansome St, Suite 1895
San Francisco, CA 94104
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Tracy Andreini
Senior Loan Advisor
NMLS ID: 306980