Tracy Bayse - Mortgage Banker

05/30/2026

There’s something extra special about helping a first-time homebuyer achieve their dream…especially when it’s someone you’ve known for years. ❤️

This young man went to school with my son, so getting to help him, his sweet wife, and their precious little one purchase their very first home was such an honor for me.

Their determination, patience, and willingness to do whatever was needed made all the difference.

And can we talk about this timeline? 👏We knew from the beginning we were on a short turn-time…but having full confidence in my team makes all the difference. 🏡🔑

A huge shoutout to Michelle Epley with Southern Key Realty for being an amazing partner throughout the process, and to my incredible operations team whose teamwork, hustle, and pure grit helped make this happen. When everyone pulls in the same direction, great things happen!

Congratulations to this precious family on their very first home. May it be filled with love, laughter, memories, and countless blessings for years to come. ❤️🏡

05/30/2026

🏡❤️ From Dreaming About It… to Living It. ❤️🏡

Some clients become so much more than a transaction. When they called me again for their next home purchase, I was beyond grateful for the opportunity to help them make another dream come true.

One of the best parts of my job is getting a front-row seat to life’s milestones. Whether it’s a first home, a move-up home, a downsizing decision, or in this case, a gorgeous lakefront home, I’m thankful every time someone trusts me to be part of the journey.

Congratulations, Sipes family! Thank you for your continued trust and loyalty. Wishing you years of sunsets on the deck, weekends on the water, quality family time, and memories that will last a lifetime.

05/30/2026

What a pleasure it was helping this amazing couple with their very first home purchase!

After a rocky start with another lender…I’m so grateful that Stephanie Ramsey-Sincerely Yours Real Estate sent them my way and we were able to get them closed ahead of schedule!

Congratulations, I hope you enjoy your new home for years to come.

05/30/2026

Sometimes life takes an unexpected turn, but this closing is proof that new chapters can lead to wonderful things. 🏡

Congratulations to my repeat client on the purchase of a home that is the perfect fit for him and his boys. After selling their previous home and navigating a season of change, I’m so happy he found the right place to put down roots and create new memories.

It means so much when past clients come back and trust me to help them again. Thank you for allowing me to be part of another important milestone in your journey.

A special thank you to Ashley Bonnett-Home Star Realty for helping make this a smooth and seamless transaction from start to finish. Teamwork always makes a difference!

Wishing this sweet family many years of happiness, laughter, and new memories in their new home. ❤️🔑🏡

05/30/2026

05/29/2026

05/28/2026

💰 Your mortgage payment is more than just a house payment… it’s made up of several pieces working together.

When buyers hear “payment,” they’re often surprised to learn it includes more than just the loan amount. 👇

🏡 Principal – the amount borrowed
📈 Interest – the cost of borrowing the money
🏛️ Taxes – based on your property/location
🛡️ Insurance – protects your home (and sometimes includes mortgage insurance)

Every buyer’s payment looks a little different depending on things like credit score, down payment, loan type, taxes, and insurance costs.

That’s why talking to a lender early matters. A quick conversation can help you understand what your REAL monthly payment may look like before you start house shopping. 😊

Information is for educational purposes only and should not be relied upon by you. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend.