Laurie Tracy - VA Loan Specialist - NMLS #525748

Laurie Tracy - VA Loan Specialist - NMLS #525748 VA Loan Specialist | NMLS #525748 | 30+ yrs helping Veterans & homebuyers. Message me to get started. VA, FHA, Conv & Jumbo loans. HSTMortgage NMLS #192608.

Licensed: VA MC-2440 | MD 10674 | DC MLB 192608 | WV ML38682 | FL MLD1927 | NC L-194428 Home Savings & Trust Mortgage - NMLS # 192608 Licensed by the Virginia State Corporation Commission:
-2440, MD #10674, DC MLB 192608, WV ML-38682, FL MLD1927, NC L-194428. Laurie Puccio Tracy NMLS # 525748 (www.nmlsconsumeraccess.org). Laurie Tracy brings over 30 years of mortgage industry experience to eve

ry transaction, combining expert guidance with a personalized approach to lending. Whether you're a first-time homebuyer or a seasoned homeowner, Laurie is committed to finding the right loan to meet your unique needs—guiding you smoothly from application to closing. As a Military Lending Specialist, Laurie has deep expertise in VA loans and proudly supports our service members and veterans. She is also highly experienced in a wide range of loan programs, including Conventional, FHA, USDA, and VHDA—for both purchases and refinances. A proud Alexandria, Virginia native, Laurie is a military wife, mother of two, first-time grandmother, and pet parent to two beloved pups—Paulie and Logan.

Online posts are going to make things sound worse than they are. If you want a true, data-bound look at what’s really ha...
06/16/2026

Online posts are going to make things sound worse than they are. If you want a true, data-bound look at what’s really happening in today’s market, lean on a real estate agent.

Let’s connect so you have someone to separate fact from fiction today.

There’s a lot of uncertainty right now and that’s leading to some dramatic headlines.

06/16/2026
06/14/2026

If affordability has been the biggest thing standing between you and a home, there's a little good news.

Yes, rates have been volatile, and global instability is keeping them from settling down anytime soon. There’s no sugar ...
06/14/2026

Yes, rates have been volatile, and global instability is keeping them from settling down anytime soon. There’s no sugar coating that. But the full picture of affordability is more nuanced than the headlines suggest.

Want to run the real numbers for your situation? Let's talk. Reach out and let's set up a quick, no-pressure conversation.

Let's be real with each other for a second about affordability.

Inflation is still above where the Fed wants it, and that means mortgage rates are likely to stay elevated for a while. ...
06/12/2026

Inflation is still above where the Fed wants it, and that means mortgage rates are likely to stay elevated for a while. But for people who need to move, strategy matters far more than trying to perfectly time the market.

Wondering what this means for your specific situation? Reach out today. Let's cut through the noise together and make a plan that actually works for you.

Data shows inflation is moving in the wrong direction. But before the headlines send anyone into a panic, here's what's actually going on, why it matters for the housing market, and what it means if you're thinking about buying or selling.

After a year or more of rates coming down, things have changed. And lately, mortgage rates have been climbing again. And...
06/11/2026

After a year or more of rates coming down, things have changed. And lately, mortgage rates have been climbing again.

And if that's made you wonder whether you should delay your move until they drop, you're not the only one.

The honest truth is that rates probably won't come down much until inflation cools off and some of the global uncertainty settles. And no one knows exactly when that'll be.

But what most headlines won't tell you is that rates aren't the only thing that affects affordability. Sure, they’re a big factor, but not all of the affordability news is bad.

Wages, home prices, and inventory are all trending in a direction that could still help make your move possible.

Want to know what that actually looks like for your situation? Drop a comment or send me a DM.

Because even though rates are higher, there are pockets of opportunity in any market, if you know where to look.

06/11/2026

A lot of people who want to move are telling themselves the same thing: "Maybe I'll just wait until later this year once things calm down."

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3701 Pender Drive
Fairfax, VA
22030

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