Tracy Joy, Mortgage Professional

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United States
Everett, WA
Tracy Joy, Mortgage Professional

Tracy Joy | NMLS: 115424
Senior Mortgage Advisor
Licensed in WA

American Pacific Mortgage #106250

11/10/2025

A new class-action lawsuit filed on November 7, 2025, accuses Zillow of violating federal and state laws by linking access to its Premier Agent and Flex leads to referrals for Zillow Home Loans.

The suit, Armstrong v. Zillow Group, claims the company used its dominance in real estate lead generation to pressure agents into steering buyers toward its own mortgage products, creating conflicts of interest and inflating consumer costs.

A new class-action suit, Armstrong v. Zillow, alleges Zillow tied agent leads to mortgage referrals for Zillow Home Loans, violating RESPA and fiduciary laws.

10/01/2025

The Federal Trade Commission has slapped both Zillow and Redfin with a lawsuit alleging that a $100 million agreement between the companies illegally blunted competition in the already concentrated market for online rental advertising. The complaint, filed in federal court in Virginia, accuses the two real estate firms of arranging for Redfin to step aside as a direct competitor in multifamily rental listings and instead serve as a distribution outlet for Zillow’s ads.

Federal Trade Commission targets $100 million tie up

09/10/2025

When it comes to getting a home market-ready, paint beats almost any other home improvement upgrade. A new Better Homes and Gardens Real Estate poll found that three out of four real estate agents say repainting the interior can add the most value before a sale—sometimes boosting the listing's value by as much as 10%, or up to $20,000.

Find out which staging color combos agents say resonate the most when they’re working with sellers to get a home ready to sell.

09/09/2025

The US labor market proved far less robust than previously believed, after the Bureau of Labor Statistics (BLS) revised nonfarm payrolls down by 911,000 jobs through March 2025. The downward revision has intensified speculation about imminent Federal Reserve rate cuts.

Labor market weaker than thought, raising expectations for Federal Reserve action

08/25/2025

Whether you recently purchased a new home or are renovating one you’ve been living in for a while, there’s one thing that's inevitable—renovations don’t come cheap. So, whether you plan on selling in the next few years or even a decade down the line, making the right changes can mean the difference between selling your home faster and for more money, or having it sit on the market longer and settling for an offer you didn’t want.

Designers say these are the most important considerations to factor in when renovating.

08/06/2025

A new survey from Clever Offers has found that two-thirds of Gen Z adults are more concerned about housing security compared with last year, with many doubting they will ever be able to buy a home.

A new survey reveals how far Gen Z would go to achieve homeownership

08/04/2025

Mortgage Bankers Association celebrates the final passage of this important bill — a long-overdue measure that will finally put an end to the abusive use of mortgage credit trigger leads

As previously reported, both the House and Senate passed bills to ban “trigger leads,” except in limited circumstances, although the versions of the bills

07/31/2025

One day after the Federal Reserve decided to hold rates steady, citing inflation concerns, the new inflation data released Thursday showed a 0.3% increase in the Fed’s preferred inflation indicator.

How an increase in inflation may affect the mortgage market

06/23/2025

In a shift that underscores the growing influence of short-term installment loans, Fair Isaac Corporation, commonly known as FICO, has announced it will begin incorporating buy-now, pay-later (BNPL) data into its credit scoring formulas for the first time.

Suddenly your clients' 'phantom credit' is going to matter

06/17/2025

The housing market's slowdown showed further signs of strain in June, as more builders turned to price cuts and incentives to entice wary buyers facing tough economic conditions.

Sentiment down to third-lowest reading since 2012 due to high rates and economic uncertainty

06/16/2025

Public debate about potential inactivity from the Federal Reserve this week has been intense, with the Trump Administration criticizing the projected inaction. Now, you can add the voice of a major economist to those believing the Fed is being too conservative with its policy.

Top economist says central bank has been too conservative with its policy

06/06/2025

The Homebuyers Privacy Protection Act, better known as the trigger lead ban bill, reached another milestone on Thursday. According to one industry advocate, the House Financial Services Committee set Tuesday, June 10, as the mark-up date for House Resolution (H.R.) 2808.

BAC's McKay urges brokers to reach out to representatives in most critical time for the bill

Address

1000 SE Everett Mall Way, Suite 305
Everett, WA
98208

Telephone

+12066018972

Website

http://www.apmortgage.com/tracy-joy, http://www.nmlsconsumeraccess.org/

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