The Right Guide For Your Journey Home

Reliability – Your Trusted Guide

Whether it’s your first, next, vacation, or forever home — choosing the right loan officer and lender is a critical piece of the process. We are honored that so many of our homebuying clients choose to put their trust in us again and again. No matter the size of the loan, it’s always a big deal, and we’ll be there with you every step of the way.

Experience – Helping You Make Your Next Move – Be Your Best Move

In today’s ever-changing homebuying environment, you’ll need someone who has local connections and who understands lending guidelines inside and out. Whether it’s conventional, FHA, VA, USDA, Jumbo, or a Refinance our knowledge and experience are unmatched. We provide every client with a custom-tailored mortgage solution ideally suited for their unique financial needs.

Commitment – One Team, One Mission

We believe that a closed loan is just the beginning of our journey together. Throughout the life of your loan, my team and I will help you monitor your home investment to discover new cost-saving opportunities and help you plan and achieve your future home purchase and refinance goals. Most importantly we’ll provide you with the tools and knowledge you need to leverage and take full advantage of your home investment making it work to your benefit.

My Promise to You as a Valued Client
  • Provide a smooth, easy, and stress-free process
  • Help you feel informed and confident in your home financing choices
  • Match short and long-term goal strategies through tailored mortgage solutions
  • Communicate regularly and consistently so you can relax and enjoy this new chapter of homeownership

What Others Are Saying About Tracy

“Tracy was communicative, efficient, and thorough. We had a super-tight closing in order to make the sale and she was the only person able to promise to make it happen, which she did. She was even helpful navigating the underwriting process. Felt like a human-to-human interaction, which can be rare these days.”
“Tracy was very responsive through the whole loan process and helped me get a great rate. This was my first time buying a home and Tracy was happy to answer all of my questions. Thanks for making it an easy process, Tracy!”
“Tracy was a true pleasure to work with! Not only was she responsive to emails/phone calls, usually in the same day, she listened and has wonderful customer service skills. We'd almost given up on buying a house after working with another lender, but she worked with our unique situation (new jobs so didn't look great on "job history") to find us the right loan and pre-approved us the same day we called her. Thanks Tracy!”

The Grafton Group at Atlantic Coast Mortgage

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Tracy Bray

Loan Officer
NMLS ID #310482

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Caryn Grafton

VP, Sr. Loan Officer
NMLS ID #312906

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Michael Grafton

Sr. Loan Officer
NMLS ID #825194

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Brody Barrett

Loan Officer
NMLS ID #1853695

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Homebuying Essentials

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Tracy Bray

Loan Officer NMLS ID #310482

Call Tracy Directly

Address 20365 Exchange Street, Suite 300
Ashburn, VA 20147

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