Tracey Wheeler NMLS 413393

06/10/2026

5.0 star review received on Experience.com for Tracey Wheeler by David N - I've worked with Tracey and her team twice iso far in 2026. One transaction was very clean and very straight forward and the other had a buyer profile that was not clean and straight forward. We closed in two weeks in both instances and it's a testament to Tracey and her team's diligence and thoroughness from beginning to end and making sure all the details were checked. I can't say enough about Tracey and her team and the amazing work they do for clients

Click to see all 169 reviews of Tracey Wheeler at CrossCountry Mortgage, Sr. Loan Officer | NMLS #413393

06/10/2026

Buyers get these two mixed up all the time 👇

Inspection ≠ Appraisal

🔍 Inspection
• optional but highly recommended
• checks the condition of the home
• helps you understand repairs, maintenance, or safety issues
• protects YOU

📏 Appraisal
• required by the lender (in most cases)
• determines the market value of the home
• protects the LENDER

Both matter — but for different reasons. When we work with buyers, we help you understand each step so you don’t feel in the dark during escrow.

Buying soon and want the full “what happens when” timeline? DM me and we’ll send it over.

Tracey Wheeler, Senior Loan Officer NMLS ID # 413393 | Branch NMLS ID # 1790854 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC. to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

06/08/2026

Most agents don’t need more marketing.
They need marketing that actually converts.
That’s where our Realtor Partner Program comes in.
We create co-branded Meta ad campaigns and professional print materials that put you front and center — not just your listings. From social ads that stop the scroll to mailers that elevate your brand in the neighborhood, everything is designed to position you as the trusted local expert.
You get:
✅ Co-branded Meta + Instagram ad campaigns
✅ Static + video ads built to convert
✅ Professional print materials done for you
✅ Targeted reach with real-time optimization
✅ Full compliance handled
We don’t believe in random marketing.
We believe in strategic visibility that turns attention into appointments.
We handle the marketing.
You handle the closings.
If you’re a San Diego Realtor ready to level up your brand and listing conversions, DM me!


Tracey Wheeler, Senior Loan Officer NMLS ID # 413393 | Branch NMLS ID # 1790854 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC. to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

06/05/2026

Good news for buyers: in a more balanced market, you can sometimes negotiate to have the seller help with costs. 🙌

That might look like:
• seller credits toward closing costs
• rate buydowns
• repair credits after inspection
• or simply a better price

But 👉 this depends on the property, the agent, and the strength of your approval. That’s why we always recommend getting fully pre-approved before you ask for anything — it makes your offer more attractive and your negotiation more realistic.

Want to see how a seller credit can lower your cash-to-close? We can show you.

Tracey Wheeler, Senior Loan Officer NMLS ID # 413393 | Branch NMLS ID # 1790854 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC. to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

06/04/2026

5.0 star review received on Experience.com for Tracey Wheeler by Andrew M - Tracey is bu the far the best Sr Loan officer we have ever worked with. Tracey helped us with our last home and directly working with her for our new home was an amazing experienc. Tracey is a professional who prioritizes her client. We will be forever customers and grateful for the way she conducts busines. She deserves more stars than this survet provides.

Click to see all 168 reviews of Tracey Wheeler at CrossCountry Mortgage, Sr. Loan Officer | NMLS #413393

06/03/2026

Mortgage rates are important — but they don’t exist alone.

Your personal finances, lifestyle goals, and long-term plans matter just as much.

That’s why conversations beat assumptions every time.

Tracey Wheeler, Senior Loan Officer NMLS ID # 413393 | Branch NMLS ID # 1790854 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC. to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

06/01/2026

First-time buyers felt the weight of higher rates more than anyone.

Higher payments meant tighter budgets and fewer choices. For many, buying simply didn’t make sense at the time.

Lower rates don’t erase challenges — but they do reduce pressure. And sometimes that’s enough to make the first step feel possible again.


Tracey Wheeler, Senior Loan Officer NMLS ID # 413393 | Branch NMLS ID # 1790854 CrossCountry Mortgage LLC NMLS ID # 3029
This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC. to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

05/30/2026

5.0 star review received on Experience.com for Tracey Wheeler by Ernesto D A - Tracey was.amazing!

Click to see all 166 reviews of Tracey Wheeler at CrossCountry Mortgage, Sr. Loan Officer | NMLS #413393

05/29/2026

Be honest. Would you scroll past a house that’s been listed and sitting for months?
A few years ago, that made sense. Today, not so much.

Homes are taking longer to sell across the board. On average, it takes 73 days right now – which is typical for this time of year. So, a house that’s been sitting doesn’t automatically mean something’s wrong. It may have been priced a little high, launched into heavy competition, or just didn’t stand out online. And here’s what many buyers miss: sellers who’ve been waiting are often more open to negotiating.

So, before you scroll past, take a second look. Sometimes the best opportunity is the one everyone else skipped.


Tracey Wheeler, Senior Loan Officer NMLS ID # 413393 | Branch NMLS ID # 1790854 CrossCountry Mortgage LLC NMLS ID # 3029

This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC. to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org

05/27/2026

Great agents don’t just generate interest — they know how to turn it into action.
From co-hosted buyer seminars and community events to smarter follow-up after open houses, we help you build real relationships that actually convert.

Here’s how we support you:
• Co-hosted events that position you as the local expert
• Custom flyers, invites, and co-branded promotion
• Dialer support + call scripts for open house sign-ins
• Lead tracking so no opportunity slips through the cracks

We handle the systems and strategy — you focus on the conversations that matter.
Ready to host events that lead to closings?

DM me to learn more.

Tracey Wheeler, Senior Loan Officer NMLS ID # 413393 | Branch NMLS ID # 1790854 CrossCountry Mortgage LLC NMLS ID # 3029

This communication is for informational purposes only; this is not a commitment to lend. All loans are subject to buyer and property qualification. All programs, rates and fees are subject to change or cancellation at any time and without notice. Contact CrossCountry Mortgage LLC. to learn more about mortgage products and your eligibility. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity | www.nmlsconsumeraccess.org