Rich Tracy - Senior Loan Officer

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United States
Orange, CT
Rich Tracy - Senior Loan Officer

Senior Loan Officer at First World Mortgage
NMLS ID: 58556 I began my career in mortgage banking in 1978 working for Lomas and Nettleton. CT 06107-2950.

After over 20 years working as an experienced loan officer, my career brought me to First World Mortgage Corporation as a senior loan originator. One thing years of experience have taught me is that clients need and appreciate straight, unvarnished answers to their questions. The commitment I make to all my clients is “straight answers.” I specialize in 203K and renovation loans. For information p

urposes only and is not a commitment to lend. Programs, rates, terms and conditions are subject to change at any time. Availability dependent upon approved credit and documentation, acceptable appraisal, and marketing conditions. Not all programs available in all areas. First World Mortgage Corporation, Connecticut Corporation, headquartered at 127 Prospect Ave, West Hartford. NMLS # 2643; Equal Housing Lender.

06/10/2026

Choosing a mortgage is about more than finding the lowest interest rate. 🏡💡

The right loan should fit your income, support your long-term goals, and provide the flexibility you need for the future. What works for one buyer may not be the best choice for another.

Before making a decision, consider how your mortgage will impact your monthly budget, future plans, and overall financial well-being. A little research today can save you money and stress for years to come.

The best mortgage isn't just affordable today—it's sustainable tomorrow. 🔑✨

06/08/2026

Every rent payment helps pay for a place to live, but homeownership can help you build something more: equity, stability, and a foundation for your future.

Owning a home isn't just about having your own space. It's about investing in your goals, creating long-term financial opportunities, and building a place where memories can grow.

If homeownership is on your vision board, now is a great time to start planning the path to get there. 🔑

Let's make home happen!

06/03/2026

Imagine this: A homebuyer needs to upsize to care for an aging parent, but their existing mortgage makes it nearly impossible to qualify for a new one.

This is exactly the kind of situation our Buy Before You Sell program is built for. By placing a backup offer on their current home, we can exclude that existing debt from their DTI calculation. They qualify for the new mortgage, buy first, and have up to 180 days to sell the old home - no rushing, no stress, no having to time everything perfectly.

👉If you know someone who feels stuck because they can't sell until they buy (or buy until they sell), let's talk. There's a solution.
https://myoc.io/onlineapplication

05/27/2026

Smart choices today = stronger tomorrows. 🏡

Don’t let your money just sit—make it work smarter for you. With the right tax strategies, you can save more, invest better, and move one step closer to owning the home you’ve always wanted.

Your future isn’t built overnight—but every smart move you make today brings you closer.

05/25/2026

Mortgage Myth vs Fact 🏡💡

MYTH:
“The lowest rate = the best loan.”

FACT:
The best loan isn’t always the one with the lowest rate—it’s the one that saves you the most over time. Hidden fees, loan terms, and overall costs can make a big difference in what you actually pay.

Look beyond the rate. Focus on the full picture. Your future wallet will thank you. 💰✨

05/20/2026

Common situation: A couple found their dream home...but most of their down payment is tied up in the equity of the house they're currently living in.
This is exactly where our Buy Before You Sell program shines.
Instead of waiting to sell first, they can access that equity before their current home ever hits the market. Plus, there are no monthly payments due until it sells. That means they have the funds to make a competitive offer right away, move straight into their new home, skip the double move entirely, and list the old place on their own timeline for top dollar.

No rushing. No settling. No stress.

🏡 Homebuyers: DM to learn how you can use your current home's equity to buy your next one without taking on extra monthly payments.

🤝 Agents: Let's partner up to help your clients unlock equity early and move without delays.
https://myoc.io/onlineapplication

05/18/2026

Owning the home you’ve always wanted isn’t just a dream—it’s a goal within reach. With the right guidance, smart financial moves, and a solid plan, you can turn those “someday” thoughts into keys in your hand. 🔑

Start where you are, take the right steps, and watch your dream become your reality.

05/13/2026

The most powerful tax-saving tool isn’t a loophole… it’s TIME. ⏳

When you start early and work with a qualified tax professional who truly understands your goals, you unlock opportunities most people miss. Smart planning today means bigger savings, better investments, and more financial freedom tomorrow.

Don’t wait until it’s too late—give your strategy the time it deserves and watch doors open. 🚪✨

05/11/2026

Build more than just a house—create a place filled with memories, comfort, and security for your future.

With the right financial and tax strategies, your dream retirement isn’t just possible… it’s within reach.

Start planning today, so you can enjoy tomorrow exactly where you belong.

Address

236 Boston Post Road
Orange, CT
06477

Telephone

+12032856113

Website

http://www.rich-tracy.com/

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