Talk to Traci- Guild Mortgage

09/16/2026

I’ve been thinking a lot lately about what it means to live with intention.

There was a season when I stepped back and gave more of myself to my family. I needed that season, and I’m grateful I took it.

But as I’ve stepped more fully back into my business, I’ve realized something:

I don’t need my name at the top of a production list to feel successful.

I want to love people well.

I want to take really good care of the families who trust me with one of the biggest financial decisions they’ll make.

I want my clients to know they can call me with the “dumb” question, the scary question, or the “are we crazy for even thinking about buying a house?” question.

I want my Realtor partners to know that when they send someone to me, I’m going to communicate, show up, work hard and take care of that person like they’re my own referral.

And I want to build a business that still allows me to be present for the people waiting for me at home. ❤️

I’m ambitious. I still have goals. And I’m working hard.

I’m just a lot more intentional about what I’m working for these days.

And right now, success looks a whole lot like taking really good care of the people God puts in front of me…at home and at work.

That’s the kind of business I want to build.

08/28/2026

5.0 star review received on Experience.com for Guild Mortgage - Traci Cherry by Jason T - Traci was very polite and quick to respond when I had questions about the process. She was very knowledgeable on the process and what steps were to be done to make it quick and easy loan process. Traci always had answers to questions I didn't think to ask and would give me information that she knew I needed, and I didn't know to ask about!

Click to see all 51 reviews of Guild Mortgage - Traci Cherry, Loan Officer | NMLS # 1610040

06/05/2026

🏡✨ Closed and Funded! ✨🏡

This one was extra special.

These dear friends packed up their lives and moved all the way from Tennessee to Texas with a toddler in tow and another little one on the way. ❤️ Their goal was simple: be together as a family and stay close to Dad while he works.

The journey wasn’t without its challenges. With a cross-country move, a growing family, and a home purchase all happening at once, there were definitely a lot of moving parts. But through it all, they trusted me to help guide them through the process, and that means more to me than I can put into words.

This closing took us all the way to Gaines County, and I am so grateful I got to be a small part of helping them start this next chapter in Texas.

Congratulations, friends! 🎉 May your new home be filled with sweet memories, laughter, and all the blessings that come with this exciting season of life.

Thank you for trusting me with such an important milestone. Welcome home, Texas looks good on you! 🤠🏡❤️

06/04/2026

One of my favorite parts of what I do is helping people realize that homeownership is possible…even when it feels out of reach.

A little over a year ago, I had a client come to me because he was tired of renting and ready for something of his own. The problem? He wasn’t sure where to start. We sat down, took a look at the big picture, and created a personalized game plan to help him reach his goal.

It wasn’t an overnight process. There was work to be done, and he stayed committed every step of the way. He trusted the process, followed the plan, and kept moving forward.

Today, I’m thrilled to say that he is officially a homeowner! 🎉 Even better, he was able to purchase a beautiful new construction home using the USDA loan program with ZERO down payment.

This is your reminder that if homeownership feels impossible right now, it doesn’t mean it will always be that way. Sometimes all you need is a plan and someone to help guide you through it.

Congratulations, Jeremy! Thank you for allowing me to be part of your journey. 🏠❤️

06/03/2026

5.0 star review received on Experience.com for Traci Cherry by Donna W - My buyer was happy working with Guild to feel he could always ask questions and someone would answer the same day. Good Job

Click to see all 48 reviews of Guild Mortgage - Traci Cherry, Loan Officer | NMLS # 1610040

06/01/2026

🏡 Market Update: What We’re Seeing Right Now

If you’ve been waiting for the “perfect” time to buy a home, here’s what the market is telling us:

✅ More homes are hitting the market, giving buyers more options and a little more negotiating power than we’ve seen in recent years. Inventory is improving in many markets.

✅ Home prices are still holding relatively steady, but we’re seeing more price reductions and sellers becoming more realistic with pricing.

✅ Mortgage rates continue to hover in the mid-6% range. While not the ultra-low rates we saw a few years ago, today’s rates are much closer to historical norms than many people realize.

✅ Many buyers are sitting on the sidelines waiting for rates to drop. The challenge? When rates do improve, competition often increases, which can drive prices back up.

💡 My advice: Don’t try to time the market perfectly. Focus on whether the payment fits your budget and whether homeownership aligns with your goals. You can refinance a rate later, but you can’t go back and buy yesterday’s home at yesterday’s price.

Whether you’re thinking about buying your first home, upgrading, downsizing, or investing, I’d be happy to run personalized numbers and help you create a game plan.

📲 Message me anytime!! I’m always happy to talk through your options!

05/19/2026

I hear this all the time, and it usually sounds different every time. “I want to save more first.” “Maybe after summer.” “I should probably wait until rates change.” “Let’s revisit it next year.” Sometimes those are real reasons. Sometimes they’re just placeholders for I have no idea what buying would actually look like for me. Ready is rarely a feeling. It’s usually clarity: what payment fits, what cash you’d need, what timeline makes sense, and what would still let you live your life comfortably. Once people have that, the “not ready yet” line tends to disappear quickly. DM me READY if you want to know what ready actually looks like in your situation. 🏡

04/18/2026

5.0 star review received on Experience.com for Traci Cherry by Jimmy W - Kept the transaction moving forward. A team effort between lender and both agents.

Click to see all 47 reviews of Guild Mortgage - Traci Cherry, Loan Officer | NMLS # 1610040

04/15/2026

5.0 star review received on Experience.com for Traci Cherry by Jason B - Very responsive and willing to help me through the home buying process.

Click to see all 46 reviews of Guild Mortgage - Traci Cherry, Loan Officer | NMLS # 1610040

04/15/2026

Usually it starts with a quick message: Can we run the numbers? If I bought around $400K… what would the payment look like? The weather gets nicer, homes start popping up everywhere, and suddenly the idea of buying feels real. That is when the search shifts from scrolling listings to understanding the numbers... price range, down payment options, and the monthly payment that actually fits. Spring brings the listings. Clarity on the numbers is what helps buyers move with confidence. 🏡