Tracy Mortgage Broker
Tracy, California
Tracy Mortgage Broker
Patron Mortgage helps Tracy homebuyers and homeowners find the right loan — FHA, conventional, VA, ITIN, jumbo, and more. Available 7 days a week.
NMLS 1747739 · Licensed California Mortgage Broker · Serving Tracy & Surrounding Areas · Available 7 Days a Week
Serving Tracy
Mortgage Loans in Tracy, CA
Tracy is a San Joaquin County city that has become one of the Bay Area's most popular commuter destinations. With significantly lower home prices than the Bay Area, strong schools, and easy access to I-580 and I-205, Tracy attracts buyers who want more space and value without sacrificing proximity to major employment centers.
Patron Mortgage helps Tracy buyers navigate the home loan process from pre-approval to closing. Whether you're purchasing your first home, refinancing, or need an ITIN loan, our senior loan officer Randall Ortiz is available 7 days a week.
We work with a wide network of lenders to offer competitive rates and a broad range of loan programs — so you're never limited to just one option.
Why Tracy Borrowers Choose Us
- San Joaquin County market knowledge — local expertise
- Available 7 days a week, including evenings & weekends
- ITIN loan specialists for non-SSN borrowers
- Access to multiple lenders for competitive rates
- Free consultations with no obligation
- NMLS licensed — transparent and trustworthy
What We Offer
Loan Programs in Tracy
FHA Loans
Low down payment options starting at 3.5% for qualified Tracy homebuyers.
Conventional Loans
Competitive rates and flexible terms for buyers with strong credit profiles.
VA Loans
Zero down payment financing for eligible veterans and active-duty military.
ITIN Loans
Home purchase and refinance programs for borrowers with an ITIN instead of an SSN.
Jumbo Loans
Financing above conforming loan limits for higher-priced Tracy properties.
Hard Money Loans
Fast approvals for Tracy real estate investors and fix-and-flip projects.
Cash-Out Refinance
Access your Tracy home's equity for renovations, debt payoff, or other goals.
HELOC
Flexible home equity line of credit for Tracy homeowners.
Common Questions
Tracy Mortgage FAQs
Ready to Get Started in Tracy?
Call us, email us, or request a free quote online. We're available 7 days a week — no obligation, no pressure.
NMLS 1747739 · Licensed in California