Tracy Do
Loan Officer
Hello! I'm Tracy Do, my goal is to provide you with the best home loan experience possible. I'm a Loan Officer who's helped many people find the loan that fits their own unique needs. During my 15 years of experience in the mortgage industry, I've assisted first-time homebuyers, high-net-worth borrowers, low-to-moderate income borrowers, self-employed borrowers, investment borrowers, and etc. to finance their homes. Whether you're thinking about buying a home or already own one, I'm here to help you explore your options. I’ll be ready to guide you through the process every step of the way from the loan application to closing. I’m also fluent in English and Vietnamese.
Helpful tools and resources
The Best Mortgage Experience
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"Tracy Do was great to work with this is our second loan with her. She is very helpful and knowledgeable."
Kirby J. - West Dennis MA | Mar 2022
"My husband and I are first-time homebuyers. Tracy stayed with us the whole process from pre-approval to closing. We didn't have to do much work because she would handle all the complicated work for us. All we had to do were follow the steps, provide the needed documents, and if you want, you can annoy her with questions like I did. Tracy walked us through the process with ease. I had lots of questions not because the process was hard, I just like learning from knowledgeable people. And 10/10 times Tracy patiently answered and explained all my questions and concerns in great detail. Another BIG PLUS is that Tracy is SUPER responsive. I can reach her through email, phone, text. One time, I bugged her at ~1:00 AM and surprisingly she would still reply. That's the quality of service that is rarely available nowadays. She is always there when I need her. We are very lucky to have Tracy as our loan officer. She is definitely one of the best in her field. Highly recommend her. I will use her service for our next purchase."
Thao P. - Malden MA | Feb 2022
"Good company for obtaining a mortgage with great team to work with. Tracy made the process very easy."
Tara W. - Brockton MA | Jan 2022
"Ms Tracy Do finds all ways to hel me thru the loan application. It was complicated but she helps me so so much to get it thru. Thank you Tracy."
Yen H. - Methuen MA | Jan 2022
"because of having Tracy, the best loan officer I got a chance to work on my mortgage"
Trang N. - Randolph MA | Dec 2021
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
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Today's rates
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.