**Mortgage Loan Officer | Tracy Johnson**
With 24 years in financial services, including credit union and bank experience, Tracy Johnson at Union Home Mortgage delivers expert guidance for homebuyers and those seeking refinancing. Her deep understanding of credit underwriting (18 years) and mortgage lending (6 years) ensures a smooth, positive experience. Clients value her clear communication and ability to navigate complex situations. Tracy partners effectively with Realtors, finding creative solutions to secure funding. A dedicated mother of two, Tracy enjoys family vacations and movie nights.