Tracie Schmidt (Licensed Mortgage Consultant - NMLS 269424) Mortgage and Lending



Tracie Schmidt
location_on San Diego, CA — Licensed Mortgage Consultant - NMLS 269424
NMLS# 269424
Get to Know Tracie Schmidt

Become a valued, lifetime client of Tracie Schmidt a licensed mortgage consultant with over 15 years of mortgage industry experience as both a saleswoman and as a branch manager for 3 Forture 500 companies.


I have helped hundreds of clients unlock the door to their new home. My passion for educating the client throughout the transaction and making sure they understand the process from start to finish is what stands me apart from others


Tracie Schmidt is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.


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Tracie Schmidt - NMLS 269424

Licensed Mortgage Consultant | San Diego | CA | 92130


Phone 858-461-6709| Fax 888-926-9920 

SDAR Affiliate Member number is:  653124









It is important to have clients for life. I believe in educating my clients on mortgage industry updates, changes to loan programs, market rates and keeping in touch with them so when they are ready to either refinance or buy a home they know where to find me. To be included in receiving those industry updates you can email me at



The Four Steps To Properly Setting GoalsFrom Ric Edelman's Inside Personal Finance

First, set a positive goal for yourself. "I will save to buy a home" is a positive goal, while "I will not spend money" is a negative goal. By focusing on the positive, you'll quit spending money because you'll be so focused on your goal that you won't notice you've stopped spending money.

Second, set a date for achieving your goal. A goal is not a goal until you set a date for it. So set a date for achieving your goal, and make sure your date is attainable. If it's not, you'll become discouraged and quit. But don't set a date so far away that achieving it is pointless. "I want to be debt free by the time I die" is a silly deadline, because you won't be able to enjoy the benefits of achieving that goal.

Third, write it down. Until you see your goal in front of you, it's not real. Tape your goal onto your bathroom mirror, your refrigerator door, your car's steering wheel, and your PC's monitor. Keep reminding yourself of your goal. One client of mine kept a picture of his dream house above his television. Another, who wanted to buy a Jaguar, bought a Matchbox version for five bucks and kept it in his pocket. His co-workers regularly saw him playing with it at his desk. (Today, he drives the real thing.)

And fourth, stay focused. Keep your goal in front of you. If your goal is to buy a home, tour model homes. Read House and Garden, Architectural Digest, and similar magazines. Design your own floor plan. By immersing yourself in your goal, you'll find it easy to stop spending money, because you won't regard it as "not spending." You'll regard it instead as "preparing to spend my money on something really special."

Focus on the benefits you'll derive by reaching your goal, not on the sacrifices you're enduring. If you can't perceive the benefits, you won't achieve your goal, and even if by some chance you do reach your goal, you won't sustain your victory.

Set your goal, give yourself a deadline, write it down, and stay focused. You'll be amazed how far this will take you.

As a mortgage professional I am trained on all products available to new or current clients. I can specialize in all types of home loans for both purchases and refinances including


FHA VA Jumbo Conforming Harp  Homepath 

Qualifying for a mortgage hasn't changed as much as people may think. Below are some things you will want to have available when inquiring for a refinance or purchase transaction.

Last 2 Years of Federal Tax Returns (all pages and schedules) Last 2 Years of W2s Paystubs to cover 30 days of income The most recent two months of assets you are using for reserves or cash to close A recent mortgage statement

Mortgage rates are at an all time low and there are now programs available for homeowners that are underwater.

   After we go through your current situation and you explain to me what you are truly trying to accomplish you will feel confident in the options you have.  

Let me take the guess work out of your financial future.


Business is about building relationships and I've built great Strategic Business Partner relationships that can benefit you and your financial future. Please let me know if you need to be referred out to a preferred partner including:

Realtor - to buy or sell a home CPA Estate Attorney Financial Planner Insurance Agent