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Senior Loan Officer
NMLS # 415539
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Click to email
240.446.5374
800.333.3004 ext. 3135
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Maryland - Frederick
21701
30 West Patrick St., Suite 300
Frederick, MD 21701
240-415-7111
About Tracy
Tracy Putman is a Senior Loan Officer. With over 23 years in the mortgage industry, she has the expertise and knowledge to guide you through every step of the loan process. Tracy understands that finding the right mortgage product for each client is essential, and she takes this responsibility seriously.
Tracy’s professionalism is complemented by a sincere, caring attitude. She prides herself in making every borrower feel comfortable, and through this effort, she consistently earns outstanding survey ratings, along with lots of referrals. She often recommends Embrace’s Guaranteed On-Time Closing (GOTC) program to give her clients peace of mind.
Having spent most of her life in Frederick County, Maryland, Tracy not only possesses a great knowledge of the area and its real estate market, but also has a personal interest in helping people in her community. Another place that’s close to her heart is Florida. She spends a good deal of time in the Sunshine State and is always thrilled to help clients finance their homes in paradise. When she isn’t working, Tracy can be found outdoors boating, fishing, and golfing. She also cherishes travel and spending time with her two boys.





Buying a home can be a challenging experience, but you have help. Your real estate agent is there to help with the home search and your mortgage lender is there to get you through the mortgage process. Utilize these people and their knowledge to help you navigate through all the steps. Here, we’ll talk specifically…
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Call:
240.446.537430 West Patrick St., Suite 300
Frederick, MD 21701
Testimonials(149)
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5
5 Survey completed on March 08, 2023
Review By Donna H. for Tracy Putman
Completed transaction in March 2023
Tracy always communicates with us in a timely manner. She gives sound advice and is a pleasure to work with. We feel welcome to ask questions and know that she puts our best interests first.
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5
5 Survey completed on March 05, 2023
Review By Mo H. for Tracy Putman
Completed transaction in March 2023
Tracy’s overall knowledge of the mortgage business, her willingness to help in all aspects of the loan process, her staying on top of all that is going on, who is doing what, anticipating what the underwriters may require so the borrower is completely ready and prepared and the loan is processed with utmost efficiency. This was the 4th mortgage Tracy helped us, plus 2 other mortgages for my children in the past 6 years. Thank you Tracy.
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5
5 Survey completed on February 15, 2023
Review By Kasey S. for Tracy Putman
Completed transaction in February 2023
Tracy explained everything and took her time helping me understand each part of the home buying process without making me feel ignorant as I was an inexperienced first time buyer. She was available at all times for any questions I had and was quick to respond. She also gave me frequent updates with ample time to complete tasks when my work schedule was insane. She is very knowledgeable and I appreciate all of the hard work she put in to make what would have been a very stressful/anxious process for me, smooth and comfortable.
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5
5 Survey completed on December 22, 2022
Review By Gregory C. for Tracy Putman
Completed transaction in December 2022
Tracy was there to answer questions even when she was busy. I am no easy person to deal with “it’s a control issue” but she set my mind at ease and was very professional. Thank you again.
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5
5 Survey completed on December 22, 2022
Review By Robert M. for Tracy Putman
Completed transaction in December 2022
Tracy was fantastic throughout the entire process! She helped us get a great interest rate. Tracy explained everything with great detail and my wife and I really enjoyed working with her. I would Highly recommend her to anyone shopping for a mortgage.