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Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8am - 5pm Friday 8am - 5pm Saturday 8am - 5pm Sunday 8am - 5pm

Tracy Trudeau at OriginPoint Mortgage NMLS #277768

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Chicago, IL
Tracy Trudeau at OriginPoint Mortgage NMLS #277768

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I am a Vice President, Mortgage Lending at OriginPoint. NMLS # 277768. OriginPoint NMLS # 2185899.

TRACY TRUDEAU, DIRECT MORTGAGE LENDER
Tracy is a Senior Loan Officer and the Branch Manager of Finance of America, La Jolla. He’s been in the mortgage industry since 1993, and has been acknowledged among the Top 1% Mortgage Originators in the nation for the last three years.
Finance of America underwrites and closes loans at our local office in San Diego. As a direct lender in the community since 2013, we can offer loan rates that are consistently competitive, and a full array of loan programs to meet almost any need. We work with only local appraisers in each market, whom we’ve selected for their local market knowledge and common sense approach appraisals.
Keeping all processes local and in-house gives us the flexibility to tackle challenges with a hands-on, get it done attitude, This results in a client experience that we think is unsurpassed. To us this just makes sense.
So what separates Tracy from the rest? With over 22 years of industry experience, he knows how to navigate the many variables of credit repair, unique properties, complicated tax returns, and impossible deadlines. Small enough to care, but big enough to get it done.
And he answers his phone when you call.
858-216-4385
Give him a ring.

11/02/2026

What’s in our future-home folder? A potentially smoother start to your mortgage.

When applying for your mortgage, lenders may ask for information related to your income, assets, employment and current housing. Exactly what you’ll need depends on your individual financial picture. However, creating one place to keep important information can help you feel more prepared.

Start with the folder. Add to it over time. And when you’re ready, I can help you figure out what comes next.

Save this for your future homebuying era.
https://myoc.io/dyanL3siOIv/e0hbz

NMLS # 277768

10/30/2026

Home prices rose in 78% of the nation’s metro markets last quarter, according to today’s NAR report. The average home price rose to around $432,900, up 1.7% year-over- year. Prices appreciated the most in the Northeast (4%) and Midwest (3.6%) regions, while the West saw a 0.6% drop. There's still ample opportunity for buyers though, with home prices declining in 21% of markets in Q3.

Need a hand navigating the shifting housing market? Let’s chat.
https://myoc.io/dyanL3siOIv/1Srvt

NMLS # 277768

10/29/2026

With the economy growing and inflation lingering, the Fed opted to hold interest rates steady at their latest meeting. Mortgage rates are expected to stay about where they are as well. A steadier rate environment gives you more control as you think about buying or refinancing.

Let’s discuss what the latest Fed moves mean for your homeownership plans.
https://myoc.io/dyanL3siOIv/uKjEW

NMLS # 277768

10/28/2026

One of the biggest mistakes buyers make? Waiting around for the right time to buy. Market conditions are worth watching, but your homebuying timeline is just as unique as you are.

Let’s discuss your individual situation to find out what the “right time” could mean for you.
https://myoc.io/dyanL3siOIv/j2ECT

NMLS # 277768

10/26/2026

What spooky sounds do you hear in your home after dark? Creaks, clunks and other noises are typically nothing to fear. However, changing seasons are a good reminder to check up on your home.

Use our maintenance guide to stay ahead of routine upkeep.
https://myoc.io/dyanL3siOIv/KNdBN

NMLS # 277768

10/22/2026

Buyers, don’t wait until 2027 to start preparing. A little bit of early planning can go a long way. Whether it’s building your credit or considering pre-approval, I’m here to help you understand the options and take the next steps.

Home, here you come.
https://myoc.io/dyanL3siOIv/ZMTym

NMLS # 277768

10/20/2026

If you’ve been waiting on the housing market, this news is worth a look. Pending home sales dropped 7.3% in September as many buyers held back, which could mean less competition for those ready to move. Want to get ahead of the crowd?
https://myoc.io/dyanL3siOIv/h6wEq

NMLS # 277768

08/07/2026

📉 Good news for rates this morning!

The July jobs report came in soft, and markets are loving it. Here's the quick version:

🔹 Payrolls fell by 23,000 — a big miss and the first monthly decline in years
🔹 Prior months were also revised down, meaning hiring has been weaker than we thought
🔹 Wage growth slowed too, up just 0.1% for the month
🔹 Unemployment ticked down to 4.1%, but markets are looking past that

Why it matters: a cooling labor market means less pressure on inflation, and traders are now betting the Fed's next move is more likely a cut than a hike.

💰 The result? Mortgage bonds rallied hard — fully reversing yesterday's selloff and pushing rates back toward the best levels we've seen recently.

If you've got clients on the fence about buying or refinancing, this kind of rate improvement can open the door. Reach out and let's see what it means for your numbers. 📲

08/06/2026

Address

1800 W Larchmont Avenue, Suite 305
Chicago, IL
60613

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm
Saturday	8am - 5pm
Sunday	8am - 5pm

Website

https://people.originpoint.com/tracy-trudeau-277768, https://myoc.io/c/6tD4a?source=facebook

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