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

The Grafton Group at Atlantic Coast Mortgage

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Caryn Grafton

EVP | National Sales Manager,
Sr. Loan Officer
NMLS ID 312906
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Tracy Bray

Loan Officer
NMLS ID 310482
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Brody Barrett

Loan Officer
NMLS ID 1853695
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Jennifer Gibson

Loan Officer
NMLS ID 2022479
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What Others Are Saying About Tracy

5.0
Tracy was very patient with my long process of finding a loan. And when it came time to get everything set up for closing, everything was done in a very timely manner. She was able to find any possibility for me to get when I needed in a loan for a house.
5.0
Tracy was amazing! She was very motivated and went the extra mile to get my loan approval. Communication was excellent and she was readily available to answer all my questions. I had a tight deadline with my builder and Tracy worked extra quick to meet the time requirement and assured the builder... Read More
5.0
Tracy communicated with us every step of the way. She is great at what she does and makes the process easy!
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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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