Tracy Thomas, Loan Originator, Certified Mortgage Planner NMLS 631864

11/21/2025

Have a friend or family member that is about to turn 65, be sure they are aware they must apply for Medicare 3 months PRIOR to turning 65 or if they do not sign up for Medicate Part B, when first eligible, they will have to pay a late enrollment penalty for as long as they have Medicare coverage. IF they are receiving Social Security benefits prior to age 65, they should be automatically enrolled.

07/10/2025

Common Mortgage myths to stop believing!!!

1. The first step is looking for a house – NO, it is having a consult with a lender and/or getting preapproved.

2. I must have 20% down – NO, there are options available with 0%, 1%, 3%, or even 5% down as well as down payment and closing costs assistance programs.

3. I’ve owned a home, so I am no longer a first-time homebuyer – NO, if you haven’t owned a home within the last 3 years, you are now a 1st time homebuyer (again).

4. You should wait to buy a home until interest rates come down – NO, secure the home, refinance later.

5. I must use the loan officer my real estate agent recommends – NO, you have the right to choose.

6. As the buyer, I need to pay my agent commission fees – NO, a large number of sellers are still handling both sides of the transaction.

7. I don’t have excellent credit, so I cannot buy a home – NO, lets work on that together.

8. I am self-employed and haven’t been for a full 2 years, so I cannot buy a home – NO, in some cases less than a 2 year history is acceptable.

9. I haven’t been at my job for 2 years, so I cannot by a home – NO, you may qualify without a full 2 year work history.

10. The lender will have to do a hard pull on my credit and I am just not ready – NO, a soft pull can be used and it does not have an impact on your scores and can assist with the planning steps.

11. Paying points for a rate always makes sense, because, I really like the rate – NO, review the cost versus the monthly savings along with the break-even point - Let’s do the math together.

12. Lenders won’t do financing on a single or double wide on its own land – NO, there are options available with even a 30 year fixed rate term.

When you are ready…I’d love to have a planning call with you.

📞☎️717-830-0332
[email protected]

05/09/2025

An alarming scam targeting customers of America's biggest banks is stealing their entire life savings. In just one week, several victims lost a combined $9

04/04/2025

Do you know about the PA Property Tax or Rent Rebate Program for Pennsylvanians age 65 and older; widows and widowers age 50 and older; and people with disabilities age 18 and older? You or a family member may be eligible for a Property Tax/Rent Rebate if certain eligibility requirements are met.
If you or a family member fit into one of these categories, I encourage you to visit myPATH.Pa.gov or call 1-888-728-2937 for more information or to apply. Income guidelines do apply and is limited to $46,520 for 2024 (* when using only half of the amount received for social security, SSI and SSP income in this number). You may qualify for a maximum rebate of up to $1000.

03/27/2025

Open House: Please contact Heidi Shadle for more information on this property and feel free to contact me for financing at 717-830-0332. Click to view flyer for more information.

Discover the perfect blend of quality and convenience at 928 Raeann Dr, a stunning three-bedroom, two bathroom, two story home showcasing the benefits of new construction and premium suite upgrades. Your next home boats a spacious kitchen equipped with granite countertops, high-end appliances, and a...

03/25/2025

https://www.rateplug.com/listings/5421-Buchanan-Trl-W-Greencastle-PA-17225/718448_rpid

Historic 1800s Colonial with Endless Potential - Adjacent to Upton Community Park! Step back in time with this charming 1800s home built by Minister George Cook around 1845. Nestled on over half an acre, this all-brick colonial retains its high ceilings, grand woodwork, and sun-filled rooms, offerin...

03/25/2025

https://www.rateplug.com/listings/4562-Edenville-Road-Chambersburg-PA-17202/717992_rpid

Welcome to this Stunning Raised Rancher Retreat!Nestled on over 3 acres in picturesque Hamilton Township, this beautiful three-bedroom, one-and-a-half-bath home offers serenity, convenience, and breathtaking views.Convenient Location:- Easy access to Chambersburg and Hagerstown- Peaceful setting wit...

03/01/2025

Photos, maps, description for Lot 6 Parson Road Dry Run, PA. Search homes for sale, get school district and neighborhood info for Dry Run, PA on thebrghomes.com -- Real Estate Search.

01/03/2025

If saving money is a goal of yours in 2025 - Figure out your big goal first? Is buying or building a home, purchasing land or a 1–4-unit investment property one of your goals this year or next? Need to save for a down payment, consider the following:

1. Have a savings account now? Have you noticed how low the rate of return is on these accounts? For example: Review your banks (or other banks) Money Market accounts, some of the rates on these accounts are really high in comparison to what you are getting with a regular savings account.

2. Take a look at where you are overspending, actually take a look at your statements, don’t guess. Where can you cut back? I mean, it is dry January, possibly this will help too 😊

3. Use a cash back credit card or app for your purchases and monthly payments, being sure to pay the balance in full every month. Cash back apps can offer you savings/coupons on items you would buy anyway.

4. Review your contracts and subscriptions – have one you are not using anymore – CANCEL it!!

5. Make a weekly meal plan (and stick to it) – this helps with overspending at the grocery store too. Also, take inventory of what you already have in the freezer. How much food do you throw away annually?

6. Take a few bucks out of your normal pay, say $75.00/biweekly, have it automatically go into a separate account. After a while you get use to not “having” this money.

Do you have a suggestion that works for you? Please feel free to share it in the comments below.

Feel free to contact me at 717-830-0332 for all your residential financing needs.