Alex and Jennifer


My husband and I were recommended Tracy James from our realtor and we are so glad he did. From the beginning Tracy was extremely positive and helpful. Any questions we had she would promptly get back to us via email or phone call and it never took more than a day. Her promise was that she was going to do whatever it took to get us in the home of our dreams and she did just that! Since we had gone traveling for an extended period of time earlier that year it affected our employment history and made it harder to obtain a loan. Everyone we talked to said it would be at least another year before a bank would consider us; despite the positive things we had going for us, but not Tracy! She saw the potential and ran with it. We wouldn’t be in the home of our dreams today if it wasn’t for her determination and hard work. The fact that she has a local office in Friday Harbor where we could stop in to get better clarification on things was a huge bonus! We have recommended her to everyone I know looking for a home and there are a few that have already started the process with her and are just as happy as we were! I honestly couldn’t say enough great things about Tracy. She will fight hard for you and that is what really matters. We hope that she continues this profession for many years to come because everyone should have a loan originator like her!! 

Sandra C.


Tracy was wonderful to work with when I refinanced my home. She kept me informed throughout the whole process from start to finish. When I had a question, she answered it. When I had a concern, she addressed it. Tracy was always available to me by phone or email and her response time was quick. I appreciated that very much.

I have already shared with others what a great experience I had working with her.

William and Georgia


Thank you for making the purchase of our new condominium such a wonderful experience. Your explanation of the steps and forms were concise and easily understood. You helped us complete the loan application process smoothly and quickly.

We enjoyed our meetings with you. Your personal warmth, calm demeanor and professionalism made this experience a very positive one. We love our new home! Thanks again.

Bryan and Caitlin


Tracy was great to work with. She is very organized, professional and processed our loan quickly.

Rick and Mary


My wife and I recently purchased a rental property on San Juan Island in Friday Harbor, Washington.

As a Sr. Vice President of Pacific Union and Christies International Real Estate I have extensive experience with real estate transactions and financing. Our real estate agents in Friday Harbor recommended Tracy to do the loan on the property.

Despite the fact that we changed the price, down payment amounts and the type of loan several times prior to closing escrow Tracy was totally on top of everything and worked closely with her loan underwriters behind the scenes to be sure that what we were doing would work. We further complicated the process with a 1031 tax deferred exchange and having all documents signed in California...

Everything worked as planned and Tracy gets 5 stars for service and being a pleasure to work with!
We had a great experience and recommend her highly.

Timothy C.


Tim and I would like to thank you for all of your extended efforts in order to make our dream of home ownership a reality! We couldn't be happier because we had such an awesome loan officer to help us through every step! Thanks a bunch!

Gail & William S.


My husband and I refinanced our house with Tracy James and couldn't have had a better experience. Tracy is friendly and professional and goes out of her way to make the process as easy as possible. We started refinancing in Friday Harbor and finished the process in Florida. Even though we were all the way across the country and had a 3 hour time difference to deal with, Tracy always made herself available and helped us without hesitation even when we had to call her on a Saturday. It was also convenient to work with a local loan officer and not have to deal with someone in another state, as I had had to do in the past. When we returned to Friday Harbor she continued to show excellent customer service and went the extra mile to make sure we had all our questions answered. I would highly recommend Tracy James as a loan officer.

Carol J.


I arrived in Tracy's office practically in tears from a previous attempt to get a mortgage through the bank - so much complexity. Tracy's calm manner and efficiency calmed me right down. She understood what I wanted to do and cut through all the confusion. I knew I was in good hands and was able to relax!

Greg and Lorraine


Tracy was a great help through the whole process which has become much more complicated. She was always available to answer all questions. Having dealt with the big banks before which are very impersonal, this was a great experience.