Tracy Morgan Frick

With a deep-rooted passion for helping families build and finance their dream homes, I specialize in residential home loans and construction financing that turn blueprints into reality. Whether you're a first-time homebuyer, a seasoned investor, or a veteran ready to build from the ground up, I bring clarity, strategy, and personalized guidance to every step of the lending process. My expertise lies in navigating the complexities of construction loans, from lot acquisition to final draw, ensuring a smooth and stress-free experience. I'm especially proud to champion VA Construction Loans, offering 100% financing to eligible veterans--an incredible opportunity that eliminates the need for a down payment while supporting those who've served our country. ? Key Areas of Focus: Residential mortgage solutions tailored to individual goals One-time close construction loans for new builds VA Construction Loans with zero down payment End-to-end support from pre-approval to final inspection Education-first approach to empower buyers and builders