NMLS Verified
Tracy Morgan Frick
University Lending Group LLCNMLS #518557
Pensacola, FL21 Years of Experience
About
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...
Primary Markets
- Gulf Breeze, FL
- Pensacola, FL
Loan Specialties
VA
Jumbo
Adjustable-Rate
FHA
USDA
Who I specialize in helping
Veterans & Active-Duty MilitaryLuxury / High-Value HomebuyersNew Construction Buyers
Reviews
5.0 (22 reviews)
Felicia
Jul 17, 2021
5.0
GoogleVERIFIEDDeborah Joslyn was a dream to work with. She is professional, experienced, knowledgeable, and was committed to helping us every step of the way. It was evident she that she didn't just care about getting us into a house, but she was invested in exploring any and all options to find the most financially beneficial path for us. We were purchasing a home while still living in another state and could not have maneuvered today's real estate market without her. You will not be disappointed in her work and will benefit greatly from this local lending company.
Amy
Oct 1, 2016
5.0
GoogleVERIFIEDI recently purchased my first home and Linda Hensel did a great job. She guided me to the right loan, was very kind and detailed, and I really appreciate their online signature program so I didn't have to miss any time from work. She even showed up at my closing so I go to meet her. I highly recommend this company!
Chrissy
Apr 27, 2020
5.0
GoogleVERIFIEDJennifer Berube helped me refinance with a great rate (3%) and we closed in 28 days. I waited to refinance for a long time simply because I was dreading the process. She made the process easy and painless. If you need a loan or a refi, contact her! She is easy to work with, prompt and professional. In short, she rocks! Thanks for your help in helping me get my monthly payments down!
Natalie
Nov 12, 2020
5.0
GoogleVERIFIEDOur team has worked with Morgan Parrish and Kim Kelley and they are efficient and thorough and truly go above and beyond for their clients! We are grateful for the opportunity to work with these professionals and highly recommend them!
Wayne
Jun 30, 2018
5.0
GoogleVERIFIEDThey just never quit working. Kim Stickler is the best