Tracy Hinton, Gershman Mortgage

10/31/2026

"Tracy did a great job helping and making this go very quick and easy. Will be recommending her to anyone I know needs help with mortgage things." says Michael

★★★★★ Tracy did a great job helping and making this go very quick and easy. Will be recommending her to anyone I know needs help with mortgage things.

10/21/2026

"Tracy makes getting a loan so smooth and easy. Always able to get ahold of her when I had questions and answered all of them thoroughly. Will definitely be coming back when needed." says Blake

★★★★★ Tracy makes getting a loan so smooth and easy. Always able to get ahold of her when I had questions and answered all of them thoroughly. Will definitely be coming back when needed.

10/16/2026

"Tracy Hinton and Teresa made getting a mortgage easy and mostly painless :) They were quick to respond and very helpful throughout the entire process." says Teresa

★★★★★ Tracy Hinton and Teresa made getting a mortgage easy and mostly painless :) They were quick to respond and very helpful throughout the entire process.

10/07/2026

"Tracy was amazing! She answered ALL our questions, made sure everything was accurate, and was able to move everything along in an expedited time frame. 100% would go back to Tracy again!" says Merissa

★★★★★ Tracy was amazing! She answered ALL our questions, made sure everything was accurate, and was able to move everything along in an expedited time frame. 100% would go back to Tracy again!

10/02/2026

"Tracy and her team were phenomenal to work with. Being first time homebuyers was a little intimidating but everyone we worked with made it seem so simple and I would recommend them to anyone!" says Lucas

★★★★★ Tracy and her team were phenomenal to work with. Being first time homebuyers was a little intimidating but everyone we worked with made it seem so simple and I would recommend them to anyone!

09/25/2026

"Wonderful, Tracy and Teresa both were fantastic in getting this done for us. Very pleased." says Forrest

★★★★★ Wonderful, Tracy and Teresa both were fantastic in getting this done for us. Very pleased.

09/18/2026

There's no dramatic moment when a house stops working.

It's small stuff.
Laundry piling up because there's nowhere to fold it.
The office turned into overflow storage.
Feeling like you're always in someone's way.

None of that means anything's broken. It just means the house and the life don't match anymore.

My husband and I have moved for exactly that reason before. Nothing was wrong with the house. We had just changed.

If that's starting to sound familiar, it's worth a conversation before it turns into another year of making it work.

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com

09/17/2026

"Tracy and her team were so informative and helpful. The lending process was so easy, and I was always confident in their ability to keep in informed and on track. I never worried about the loan process and their communication was clear and concise. I will always recommend Tracy." says Amy

★★★★★ Tracy and her team were so informative and helpful. The lending process was so easy, and I was always confident in their ability to keep in informed and on track. I never worried about the loan process and their communication was clear and concise. I will always recommend Tracy.

09/12/2026

One of the most common calls I get mid-process starts with, "Tracy, I think I messed up."

Usually it's a job change. Here's what actually matters when that happens:

- Staying in the same field, even with a new employer, is usually not a problem
- A pay increase rarely causes issues
- A switch to commission-only or self-employed income can change your qualifying numbers
- Timing matters, sometimes waiting a few weeks makes the difference

The panic is almost always bigger than the actual issue. But when you tell me matters more than the change itself. If you're in the middle of buying a home and something in your income is about to shift, call me!

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com

09/04/2026

I had a client a few years back who closed out three credit cards right before she called me, because someone told her fewer cards would look better to a lender. It actually did the opposite. It shortened her credit history and raised her utilization overnight, and we spent weeks rebuilding what she'd undone in an afternoon.

I've seen this more times than I can count. People make a move based on advice that sounds smart but isn't built for how mortgage underwriting actually works. Checking your own score won't hurt you. Paying off an old collection doesn't erase it right away. A short credit history isn't the same as bad credit, it just means we build the file a little differently.

Nearly 30 years in Nebraska has taught me that the biggest credit mistakes usually come from good intentions and bad information. Ask before you act. I'd rather answer the question now than untangle it later.

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com