Tracy Berry - Mortgage Originator NMLS# 2438072

11/03/2025

Think you need a huge down payment to buy a home? Think again.

With the One Plus loan, qualified buyers can get into a home with just 1% down — and the lender gives you 2% as a grant to help cover the rest.
That’s money that never has to be paid back.

This is a conventional 30-year fixed loan with no second lien, just one simple mortgage and one payment.

✅ 620 credit score or higher
✅ Income must be under 80% of the Area Median Income
✅ Loan amount must be $350,000 or less

If you’re wondering whether you qualify, reach out and I’ll help you go over the details.

Tracy Berry | Loan Officer
NMLS #2438072
📞 (805)793-6875
📧 [email protected]
Loanfactory.com/tracyberry
Loan Factory NMLS #320841 | BK-2005457 | WA Branch NMLS #2647867

10/21/2025

💡 Already have an FHA loan? You might qualify for an FHA Streamline Refinance! This program is designed to make refinancing easier and faster for eligible homeowners.

✅ Must have an existing FHA loan
✅ Current mortgage must be up to date
✅ At least 6 months of on-time payments required

If you meet these requirements, let’s talk about how this refinance could benefit you.

📲 Contact me today to learn more!

Tracy Berry | Loan Officer NMLS #2438072 | Loan Factory NMLS #320841 🌐 www.loanfactory.com/tracyberry

Licensed in OR & WA
Equal Housing Lender

10/16/2025

Thinking about buying but not sure if you qualify?
You might be surprised what’s possible with an FHA loan.

✅ Only 3.5% down
✅ More flexible credit requirements
✅ Higher debt-to-income limits to help more buyers qualify

FHA loans open the door for a lot of buyers who thought homeownership was out of reach.
If you’d like to see if it’s a good fit for you, reach out anytime—I’m happy to help.

—
Tracy Berry | Loan Officer
NMLS 2438072 OR & WA

📞 805-793-6875
🌐 loanfactory.com/tracyberry
Loan Factory NMLS #32084 |
Equal Housing Lender

10/10/2025

If you bought your home with an FHA loan in the last couple of years — and your rate is around 6.5% or higher — now might be a good time to look at an FHA Streamline Refinance.
No appraisal may be necessary, and income or credit documentation may not be required. It’s a simpler way to lower your payment.

Reach out and I’ll help you see if it makes sense for you.

—
Tracy Berry | Loan Officer
NMLS #2438072

Loan Factory NMLS #320841
Equal Housing Lender

10/09/2025

🏠 Dreaming of owning a mobile or manufactured home? It’s more possible than you think! With flexible financing and chattel loan options, we can help you find a solution that fits your needs and budget.

✅ Fast and easy pre-approvals
✅ Financing designed for mobile homeownership

📲 Message or call me today to explore your options!

Tracy Berry | Loan Officer NMLS #2438072 | Loan Factory NMLS #320841 🌐 www.loanfactory.com/tracyberry

Licensed in OR & WA
Equal Housing Lender

10/01/2025

⏰ Don’t wait—if you’ve been thinking about refinancing, now could be the right time. With rates moving, it’s smart to explore your options and see if refinancing makes sense for you.

📲 Call, text, or message me today to get started!

Tracy Berry | Loan Officer NMLS #2438072 | Loan Factory NMLS #320841 🌐 www.loanfactory.com/tracyberry
Licensed in OR & WA
Equal Housing Lender

10/01/2025

🏡 Real estate investors—looking to grow your portfolio? A DSCR loan could be the key. These loans are designed to help you qualify using rental income instead of traditional income documents, making it easier to finance investment properties.

✅ Great option for short-term rentals or expanding your real estate portfolio.

📲 Reach out today to learn more and see if this is the right fit for your goals!

Tracy Berry | Loan Officer NMLS #2438072 | Loan Factory NMLS #320841 🌐 www.loanfactory.com/tracyberry
Licensed in OR & WA
Equal Housing Lender

09/18/2025

Thinking about refinancing? 📉 With rates moving lower, this could be the perfect time to review your options. Whether you’re looking to lower your monthly payment or free up funds for other goals, I’m here to help guide you through the process.

📲 Let’s connect and see what makes sense for you!

Tracy Berry | Loan Officer NMLS #2438072 | Loan Factory NMLS #320841 🌐 www.loanfactory.com/tracyberry
Licensed in OR & WA
Equal Housing Lender

09/15/2025

Dreaming of a home in the country? 🏡✨
Some loan programs offer 0% down payment options for qualified buyers. This could make owning your dream home more affordable than you think!

📲 Call or message me today to find out if you qualify.

Tracy Berry | Loan Officer
NMLS #2438072 | Loan Factory NMLS #320841
🌐 www.loanfactory.com/tracyberry

Licensed in OR & WA

Equal Housing Lender

09/09/2025

09/09/2025

struggling with high interest debt? want to upgrade your home? or need cash for an unexpected expense? Call me today to see what a cash out refinance can do for you!