Tracey Wheeler NMLS 413393

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San Juan Capistrano, CA
Tracey Wheeler NMLS 413393

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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

10/28/2026

Fall does not always get the same attention as the spring and summer housing markets, but that can work in a buyer's favor. Nationally, fall tends to bring more active inventory, longer days on market, seasonal price adjustments, and fewer competing buyers.

That does not mean every home will come with a discount. It means buyers may have more time to compare options, ask thoughtful questions, and negotiate around price, repairs, closing costs, or a rate buydown when the property and seller are a good fit.

If you have been waiting for the market to feel a little less rushed, this may be a good time to revisit the numbers. We can help you understand your budget before you start touring homes so you know where you have room to move.
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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

10/26/2026

Your brand deserves more than one-off posts.

Our Realtor Partner Program is built to position you as the trusted expert in your market — with co-branded marketing, targeted Meta ad campaigns, and professional print + digital assets that do the heavy lifting for you.

From listing promotions and open houses to long-term agent branding, we create the strategy, design, and distribution — all aligned with your goals.

We handle the marketing.
You handle the closings.

✅ Personalized ad strategy
✅ Static + video ad creation
✅ Custom print marketing
✅ Targeted reach + real-time optimization

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

10/23/2026

5.0 star review received on Experience.com for Tracey Wheeler at CrossCountry Mortgage by Jessica G - As a first-time homebuyer, I had a lot to learn, and I’m so grateful I had Tracey helping me through the entire process. Buying a home can feel overwhelming when it’s all new to you, but she always took the time to explain things in a way I could understand and made sure I felt comfortable with each step. She went above and beyond to answer my questions, walk me through the details, and make sure I never felt lost or unsure of what was happening. It really meant a lot to have someone who was so patient, helpful, and genuinely invested in making this a good experience for me. I couldn’t have asked for a better person to help me through my first home purchase, and I would absolutely recommend her to anyone looking for a lender. Thank you for making such a big milestone in my life a little less stressful and so much more enjoyable! ❤️

Read more: https://experience.com/reviews/tracey-wheeler-343294/55ece1b3-b568-4769-a9ca-defbe1ddad5e?V=1792781352&utm_source=facebook&utm_medium=autopost&utm_content=13776179

10/23/2026

One of the biggest surprises for first-time buyers is realizing that a monthly mortgage payment includes more than just the loan itself.

Depending on your home, your payment may also include property taxes, homeowners insurance, and HOA dues.

Understanding the full picture before you begin shopping helps you set realistic expectations and avoid surprises later in the process.

That's why we take time to walk through every part of your estimated payment before you ever make an offer.

The more informed you are, the more confident you'll feel throughout the homebuying journey.

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

10/21/2026

The best real estate partnerships are built to create more than just transactions — they’re built to create long-term growth.

At The Gullick Group, we believe strong collaboration should help agents feel supported not only throughout the loan process, but through marketing, visibility, strategy, and ongoing partnership as well.

From co-branded content and social media support to custom marketing materials and open house collaboration, our goal is always to help Realtor partners elevate their brand while creating stronger client experiences along the way.

Because in today’s market, standing out takes more than just being available — it takes strategy, consistency, communication, and the right team behind you.

We’re proud to partner with agents who care deeply about serving their clients well, and we’re always excited to build meaningful relationships with professionals who share that same mindset.

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

10/19/2026

Waiting for the “perfect” market could mean more rent increases, missed opportunities to build equity, and more time spent putting your goals on hold.

The truth is, there isn’t one ideal time to move that works for everyone. The right time depends on your finances, your plans, and the options available to you.

If you’ve been thinking about making a move, let’s look at the numbers and build a strategy that makes sense for your life—whether that means buying now or preparing for later. 🏡

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

10/16/2026

One of the questions we hear most is:
"Should I wait?"

The truth is, no one can predict exactly what the market will do next.

Instead of trying to perfectly time interest rates or home prices, focus on the things you can control:
• Your budget
• Your long-term goals
• Finding a home that fits your lifestyle

The "perfect" market may never come—but the right opportunity for you absolutely can.

If you're wondering whether now or later makes the most sense, let's talk through your goals together. The right answer is different for everyone. This mirrors the advice from Zillow's senior economist that buyers are best served when they find a home that fits their needs and budget, rather than trying to perfectly time the market.

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

10/14/2026

Seeing your home come off the market can be discouraging.

But an expired listing doesn't automatically mean buyers weren't interested—it often means something in the strategy needs to change.

Sometimes it's pricing.
Sometimes it's marketing.
Sometimes it's how the home was presented online.

The important thing is understanding why it didn't sell before deciding what to do next.

Every home has a story, and every market is different. Taking time to review what worked, what didn't, and what today's buyers are looking for can make all the difference when you're ready to try again.

If your listing expired and you're wondering what your next step should be, we're always happy to help you explore your options.

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

10/12/2026

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 handle the marketing.
You handle the closings.

DM me to see how we help agents turn listings into leads — and leads into loyal clients.

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

10/09/2026

Every homebuyer’s financial situation is different, and their mortgage options should reflect that. 🏡

My team and I take the time to compare available options, explain the details clearly, and help each client find a loan that fits their specific needs and goals.

I’m grateful for this thoughtful review and the opportunity to provide a responsive, accurate, and personalized experience!

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

https://crosscountrymortgage.com/San-Juan-Capistrano-CA-3241/Tracey-Wheeler/

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