Tracey Wheeler NMLS 413393

Tracey Wheeler NMLS 413393 Hi there! My name is Tracey Wheeler, I am a Sr Loan Officer (NMLS 413393) here in Southern California. [email protected]
CrossCountry Mortgage, LLC.

NMLS 3029 | Equal Housing Opportunity | nmlsconsumeraccess.org

When people think about buying a home, it's easy to focus on square footage, interest rates, or monthly payments.But yea...
09/09/2026

When people think about buying a home, it's easy to focus on square footage, interest rates, or monthly payments.

But years from now, those aren't usually the things you'll remember.
You'll remember birthday parties in the backyard.

Holiday dinners around the table.
Movie nights in the living room.

The first day your kids walked through the front door after school.

A home is so much more than four walls—it's the backdrop for life's biggest moments.

Helping families find the place where those memories begin is one of the most rewarding parts of what we do.

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

Labor Day is a reminder to slow down, spend time with the people who matter most, and appreciate the place you call home...
09/07/2026

Labor Day is a reminder to slow down, spend time with the people who matter most, and appreciate the place you call home.

Whether you're hosting a backyard barbecue, spending the weekend with family, or simply enjoying a well-earned day of rest, we hope today is filled with great memories and even better company.

From all of us at The Gullick Group, Happy Labor Day! We hope you have a safe and relaxing holiday.

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

The terms "pre-qualified" and "pre-approved" are often used interchangeably—but they aren't the same thing.A pre-qualifi...
09/04/2026

The terms "pre-qualified" and "pre-approved" are often used interchangeably—but they aren't the same thing.

A pre-qualification is typically a quick estimate based on the information you provide.

A pre-approval goes much deeper. Your finances are reviewed, documents are verified, and you'll have a much clearer understanding of your buying power before you start shopping.

That preparation can make a big difference when it's time to submit an offer.
If you're thinking about buying in the next few months, getting pre-approved is one of the best first steps you can take.

We're always happy to answer questions and help you understand what option is right for your situation.

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

Not every homeowner who takes their home off the market made a mistake.Sometimes waiting is absolutely the right decisio...
09/02/2026

Not every homeowner who takes their home off the market made a mistake.
Sometimes waiting is absolutely the right decision.

The important question is why you're waiting.

Today's market looks different than it did a few years ago. Buyers have more options, homes are taking a little longer to sell, and pricing strategy matters more than ever. Some homeowners are deciding to pause instead of making price adjustments, while others are moving forward with the right expectations and still achieving successful sales.

If you've been wondering whether now is the right time to sell—or whether waiting makes more sense—we're happy to walk through your options and help you create a plan that fits your goals.

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

The mortgage process doesn’t have to feel overwhelming. With the right team by your side, it can feel clear, organized, ...
08/31/2026

The mortgage process doesn’t have to feel overwhelming. With the right team by your side, it can feel clear, organized, and surprisingly smooth from start to finish. 🏡

Thank you, Eric, for trusting me and my team to guide you through such an important milestone. It was a pleasure helping you along the way!

Ready to take the next step toward homeownership? Let’s connect.

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

Everyone loves talking about interest rates.But they're only one piece of the homebuying puzzle.Many buyers assume they ...
08/28/2026

Everyone loves talking about interest rates.

But they're only one piece of the homebuying puzzle.

Many buyers assume they should wait until rates drop before purchasing a home. The reality is that while rates may change, so can home prices, inventory, and competition.

Sometimes waiting saves money.
Sometimes waiting costs money.

That's why every situation deserves a personalized strategy instead of a one-size-fits-all answer.

Before putting your homeownership goals on hold, let's look at the full picture together. We can walk through your numbers, compare different scenarios, and help you determine what makes the most financial sense for 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

The net worth of a homeowner is 43x greater than that of a renter. Not 2x. Not 5x. Forty-three.And even if renting feels...
08/26/2026

The net worth of a homeowner is 43x greater than that of a renter. Not 2x. Not 5x. Forty-three.

And even if renting feels like the easier move right now, that’s a number that sticks with you – because it shows what’s at stake over time.

Look, I know buying can feel out of reach. But when’s the last time you actually ran the numbers? Because you might be closer than you think.

Now that doesn’t mean you have to buy today. But you should at least know your options and what it would take to get there.

Want to stop renting and start building something for yourself? DM me and come up with a plan together. Your timeline. Your budget. Your future.

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

A great lending partner does much more than provide financing.The right partner helps create smoother transactions, stro...
08/24/2026

A great lending partner does much more than provide financing.

The right partner helps create smoother transactions, stronger client experiences, and solutions when unexpected challenges arise.

At Gullick Group, we believe communication is just as important as numbers.
That means keeping everyone informed, being available when questions come up, and working proactively with agents to help transactions move forward with confidence.

Whether it's finding creative financing options, navigating unique scenarios, or simply answering the phone when it matters most, we're committed to being a true extension of your business—not just another lender.

If you're looking for a lending partner who values relationships as much as results, we'd love to connect.

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

Competitive markets don't just reward the highest offer—they reward the best-prepared buyers.That's why we believe our j...
08/21/2026

Competitive markets don't just reward the highest offer—they reward the best-prepared buyers.

That's why we believe our job starts long before a contract is written.

From fully reviewing financials upfront to communicating quickly with agents and helping buyers understand their options, preparation creates confidence for everyone involved.

Our goal is simple: make your transactions smoother, your clients more confident, and your offers as strong as possible before they ever reach the listing agent.

Whether you're working with first-time buyers or seasoned homeowners, we're here to be an extension of your team every step of the way.

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

Address

31351 Rancho Viejo Road, Suite 204 & 205
San Juan Capistrano, CA
92675

Telephone

+16197059922

Website

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