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

5.0
With the daily rate changes, Tracy stayed on top of informing us of potential changes as we go closer to our lock in date. The online uploading process has been the smoothest that I have seen in mortgage applications. The final process was great, Tracy and her team kept us informed and closing was... Read More
5.0
Tracy is a wonderful asset and was extremely helpful and communicative the entire way through the process!
5.0
Very quick with responses to questions and very knowledgeable. Was a pleasure to work with.
View More of My Reviews

The Grafton Group at Atlantic Coast Mortgage

Caryn Grafton's Profile Photo
Caryn Grafton

EVP | National Sales Manager,
Sr. Loan Officer
NMLS ID 312906
Get Started

Tracy Bray's Profile Photo
Tracy Bray

Loan Officer
NMLS ID 310482
Get Started

Brody Barrett's Profile Photo
Brody Barrett

Loan Officer
NMLS ID 1853695
Get Started

Jennifer Gibson's Profile Photo
Jennifer Gibson

Loan Officer
NMLS ID 2022479
Get Started

  • Proud Sponsor Of:
  • Children's National Hospital Logo
  • Children's Hospital of the King's Daughters (CHKD) Logo

Homebuying Essentials

Tracy Bray's Profile Image

Tracy Bray

Loan Officer NMLS ID 310482

Call Tracy Directly

Address 20365 Exchange Street, Suite 300
Ashburn, VA 20147

Connect with Tracy Bray

Connect with Me