What people are saying... What people are saying... Back to profile
Tracy Padgett made everything go so smoothly and worry free!
Sarah C. | Aug 2020
We are very satisfied with Tracy Padgett the way she work with us very patient,friendly and professional.
Zoran M. | Aug 2020
Tracy and Madison went above and beyond my expectations! They made the transfer from my previous lender as seamless and trouble free as possible. I was hesitant about refinancing during a pandemic for multiple reasons (face to face meetings, being approved with the current economy, etc.) but the both of them made it as easy as possible for me.
David G. | Jul 2020
Did a great job and got a good rate
Zvijezdana P. | Aug 2020
Good process, quick answering questions, good communications
Michael Q. | Jul 2020
Tracy and her team were very helpful and attentive to our needs. They either answered the first time we called or called us back immediately. The overall experience was a pleasure.
Nick P. | Jul 2020
Tracy Padgett helped us through the entire process, much to our satisfaction!
Georges B. | Jul 2020
Very efficient and was helpful every step of the way!!
Alicia W. | Jul 2020
Tracy and her team did a wonderful job. They were responsive, knowledgeable and professional. They made the process seamless and our loan was approved without any issues.
Carol G. | Jun 2020
Tracy Padgett & her team went above & beyond to make sure we understood each step of the process. We have worked with her in the past and truly look forward to working with Tracy and her team in the future.
Michael C. | Jun 2020
The process was easy and everyone was very helpful.
Eric P. | May 2020
Prompt, clear guidance. Everyone was very helpful.
Robert R. | May 2020
They were very prompt and caring. They went the extra mile.
Richard S. | May 2020
Tracy Padgett did a great job advising us on best practices and helped us in to a loan that was ideal for our situation. She also did a good job staying ahead of the needs of the underwriter so there were no last minute surprises.
Joseph G. | May 2020
Every thing from A- Z went as planned.
William Y. | Apr 2020
The process was guided and easy to follow.
Bridget C. | May 2020
The process was smooth and precise. Given everything that is happening now, it was the best process they can do.
Lauren V. | Apr 2020
Tracy was very patient and answered every question I had. As a first time homebuyer, I’m glad I had her in my corner!
Katreliah J. | Mar 2020
Tracy Padgett was amazing. She was so patient with all of my questions even if she had already answered it. She was very thorough in explaining everything and walking me through the process. She even explained to my daughters, who were at my closing, how to make sure to have a great credit score.
Kim B. | Mar 2020
Because the whole team was very professional and always quick to answer any questions we had or explain things we didn't understand
Ruth B. | Feb 2020
They were very easy to work with and made my closing process very simple.
Heather L. | Feb 2020
Because Tracy Padgett and the team made the whole process easy.
James B. | Feb 2020
I worked with Tracy Padgett and she did an excellent job communicating what was needed at each step, answering my questions quickly, and always being available.
Steven C. | Jan 2020
Tracy padgett was very helpful, it was the second time we used her
Kenneth M. | Jan 2020
Guaranteed Rate made my purchase an easy process.
Paula U. | Jan 2020
Everything went swimmingly!
Christopher R. | Dec 2019
Tracy Padgett was very helpful and easy to work with, great customer service.
Lukas J. | Nov 2019
Tracy Padgett was great! She walked us through the whole loan process. She is very knowledgable and great to work with.
Amy T. | Nov 2019
Tracy Padgett was wonderful to work with.
Eric F. | Dec 2019
Great customer service
Lukas J. | Nov 2019
Tracy Padgett was great! She walked us through the whole loan process. She is very knowledgeable and great to work with.
Amy T.D. | Nov 2019
My loan officer Tracy Padgett was there every step of way. Any concerns or questions we had was answered promptly and always profession. She made our home buying experience less stressful and kept us on our toes.
Tammy T. | Sep 2019
Tracy was great! Being a first time buyer was overwhelming at first but Tracy had made it so much easier and more comfortable. Would use her again.
Joshua B. | August 2019
Tracy Padgett was great to work with. She always responded to texts/calls/emails immediately.
Megan C. | Aug 2019
Tracy Padgett guided us through this process with great ease. She took us step by step through all of the ins and outs of the mortgage. We really appreciated her help!
Georges B. | July 2019
Tracy Padget was and amazing adviser to me, she was very attentive and involved with everything in my loan process. She was so patient with all my questions and extremely nice. I would definitely recommend her to anyone buying a home. She made my first time home buying experience stress free. Thank you again!
Nicole B. | July 2019
Tracy Padgett & her team were excellent. They were very professional & exceptionally proficient. Talk about being on the ball! A few times we had a question about an e-mail & she would contact us to explain the message before we could even inquire about it! We would definitely seek out Tracy & her co-workers Cynthia & Liz again!
Michael C. | July 2019
Tracy Pagette and Liz Ayala along with their team were awesome to work with. They made our loan process smooth and easy. We will definitely refer our friends and family to Tracy.
Erica F. | July 2019
Tracy Padgett and her team did a wonderful, professional job. It is a pleasure to work with a Loan Officer who really knows her job and is responsive to questions. I would recommend Tracy to friends and of course, would use her again on our personal transactions.
Irene C. | May 2019
Tracy was referred to us by a friend because of how amazing she is. We felt completely taken care of, and that she had our best interest at heart. This was our first time buying a home and she helped us to understand everything, and walked us through every process. She has been so amazing and we will be referring her to everyone we know who is buying a home.
Esther S. | April 2019
Tracy Padgett made my first time getting a home loan easier than I could have imagined. She walked me through every step and made the entire process simple and easy to follow. I would absolutely recommend her to anyone buying a home, especially a first time home buyer.
Thomas M. | March 2019
Tracy was awesome to deal with and always willing to answer questions!
Francis H. | February 2019
Tracy was very helpful to us, especially since we were first time home buyers. She was very thorough in her explanations and answered our questions anytime we had them. She was always just a phone call away and would get back to me quickly. I would highly recommend her to others as a loan officer. I'm very grateful for all her help and she made our experience stress free.
Phillip G. | February 2019
Everyone was wonderful to work with. Tracy took the anxiety out of the whole first time home buyer jitters. She made sure we understood everything we were getting in to and things we needed to work on.
Lauren V. | February 2019
What a wonderful, smooth and effortless process!! From the first contact to the signing table...Tracy Padgett was a pleasure to deal with. She patiently and thoroughly answered all questions and was always available to me. I was also allowed to lock into a lower rate as the rate dropped before closing. I would highly recommend anyone do business with this company and this Loan officer! A+++ service
Rachelle B. | January 2019
Tracy Padgett was very helpful in obtaining my mortgage. She locked in a rate and was able to lower the rate before closing. She always responded quickly to my questions and was helpful every step of the way!
Elizabeth B. | December 2018
This is the second cottage home we have purchased with Tracy Padgett as our loan officer. The first time was in the fall of last year. This time was another home like ours in the same development. We purchased it for our daughter who will be relocating next year. Because of the rising prices in the development, we decided it was better to purchase the home now rather than wait. Tracy handled both purchases (new construction), and she and her team were VERY helpful in shepherding us through the process. Thanks again, Guaranteed Rate.
Kim P. | November 2018
We had a very professional and efficient loan process with Guaranteed Rate. But even further was the professionalism and attention to detail that was given to us by Tracy Padgett with her Team, which was always overseen by Tracy. We have had loans and refinances with Tracy over the last 20 years. As well, our Sons and friends have also had loans and refinancing with Tracy, and we all walk away with all the same impression. Total confidence that all will go well and as expected with Tracy handling it. This loan once again was totally seamless and handled beautifully. When we initially were looking into a loan, I called a bank in Tennessee, and they actually were the same rate, but they were willing to waive the appraisal cost which would have saved us much needed money. But the decision to go with them versus with Tracy was still a no-brainer to us. It would more than likely always be Tracy and her abilities. Guaranteed Rate is lucky to have her, as well as we are Also, Guaranteed Rate is the home of the White Sox, and my husband loves the White Sox, so that also counted a little. I'm a Cub Fan, so that's why it only counted a little.
Gary L. | November 2018
Guaranteed rate made the whole process of buying my house a stress-free experience. Tracy was very knowledgeable quick and friendly on answering any questions. Everything was explained clean and clear, to the point, no surprises - she was on top of things the whole time. I will definitely recommend to friends and family.
Eloy C. | November 2018
Tracy could not have been more helpful. We are first-time homeowners, so we went into the loan process with very limited knowledge of how it all works. Tracy was available always to answer our questions and talk us through the process, even when she had to do it more than once. We could not be happier with our Guaranteed Rate service, and our new home. Thank you so much
Brittney K. | October 2018
Tracy Padgett did a fantastic job supporting me in this. She was always an available contact and allowed us to close fast by making sure that we were well prepared.
Dejuan J. | October 2018
First I would like to say that Tracy and her team were FANTASTIC! I'm not a first time home buyer but my wife passed away a few years ago, and she always handled the finances and such matters. The experience with Guaranteed Rate as a pretty much first-time buyer was pretty painless thanks to Tracy & Team. She was there for my many calls explaining the "ins and outs" of financing a home purchase. I couldn't be HAPPIER! I will certainly recommend Guaranteed Rate and Tracy to all my friends and family.
Thomas F., October 2018
We loved working with Tracy Padgett!
Robert B. | September 2018
My loan officer Tracy Padgett was so amazing to work with!! She took the time to listen to what my needs were and made it happen so easily and in no time!! Working with Tracy made a stressful time for me with a new home purchase and relocation for a new job as easy as it could possibly be and I can't thank her enough :) Karen...a satisfied customer!!
Karen A. | October 2018
Tracy Padgett was an amazing loan officer during our home buying process. She was always reachable no matter what day or time it was. She always gave us helpful information, which made the process very easy. In addition to the process leading up to our closing, our closing day was quick and painless as well. I highly recommend Tracy and her team to anyone looking for a new home mortgage.
Kyle K. - September | 2018
I had the privilege of having Tracy Padgett as my agent. When sending a message or leaving a message on her phone she responded in a timely manner. She was very helpful and a available to me when I needed her assistance. I think all went as well as it could be expected. Thank you Tracy and Guaranteed Rate
Emiliano D. - August | 2018
I purchased a VA foreclosure with utility problems, and a short time to close due to the VA taking forever to except my offer. My agent was concerned we couldn’t get it done, but my mom was able to get me a first time home buyer program with a low down payment on a property who’s utilities did not function. And we closed in 20 days. And she didn’t just do this because I am her son, I’ve seen her do this for customers for many years.
Eric P. | July 2018
Tracy made the the process of getting a loan for our home extremely easy. She is very knowledgeable and explained every detail throughout the process. I would recommend Tracy to anyone looking to make their home buying experience quick and easy.
Kevin B. | June 2018
Tracy did an amazing job working with me to get my loan approved and finalized. I will definitely work with her again for my future home loan needs.
Kyle H. | MAY 2018
Tracy very professional and helpful throughout my loan process always willing to help with immediate and accurate response
Adalberto M. - June | 2018
Tracy was professional and responsive to all our questions even after office hours. I would highly recommend Tracy to anyone and would love to work with her again.
Ramon G. - BolingBrook, IL | Mar 2018
Our Loan Officer, Tracy Padgett, was very personable and knowledgeable and explained all options and features very clearly. She always kept us aware of any requirements needed for further processing in order to get our loan closed smoothly.
Richard & Pamela F. - Dyer, IN | Feb 2018
Tracy was fantastic!
Donald G. - Lockport, IL | November 2017
Tracy Padgett and her team made the refinance easy and painless! I was able to skip a payment in the holiday season and save $500 a month. Thanks Again!
Gerad C. - Lockport, IL | November 2017
Tracy is great. We have worked with her in the past and will work with her as needed in the future. She was willing to help us years before we made the purchase. She did what was right for us. Tracy made this easy for us.
Renee S. - Lexington, TN | OCT 2017
Tracy Padgett was amazing and helped so much. We were very happy with our experience.
William L. - Hammond, IN | AUG 2017
Good people to work with. Tracy Padgett was awesome!
Linda T. - Oak Forest, IL | MAY 2017
Kathy Meyer, my realtor, hooked me up with Tracy Padgett and Guaranteed Rate. Tracy was very helpful the whole way through the process of getting my loan.
Heather W. - Hobart, IN | MAY 2017
Great experience with Guaranteed Rate and our loan officer, Tracy Padgett. She made the whole process easy, fast and painless. Very efficient and understanding. Great command of Internet, able to do everything with email and fax. We are looking forward to our next deal with Tracy Padgett and Guaranteed Rate. Please feel free to use us as a referral source.
Mitchel B. - Munster, IN | MAY 2017
Guaranteed Rate did an amazing job at moving quickly and closing before our due date(baby). We would highly recommend them to our friends and family. The staff was friendly and always available. GREAT JOB Guaranteed Rate!!!
Anthony C. - Hobart, IN | APR 2017
From the first phone call, my loan officer, Tracey Padgett, and her team, were very professional, caring and compassionate! They went above board to make this process a great experience! Thank you, Tracey for an awesome, and on time experience!
Paulette T. - Merrillville, IN | APR 2017
Tracy Pagett was there for us through every step of the process and laid everything out in terms that we could easily understand. She was such a delight and made the loan process go so smoothly, we really appreciated her.
Colin C. - Monee, IL | APR 2017
Tracy was professional and helpful from the very beginning. She answered all of our questions in a timely manner while going through multiple scenarios for us. She reassured us that we were well within budget and assured that our first home purchase was something that we could definitely handle. Tracy created a stress free process (first time home buyers) for us every step of the way and we couldn't imagine going through everything without her. She even took the time to be there with us at the closing to make sure everything went smooth. We would highly recommend Tracy and Guaranteed Rate to anyone looking to purchase a home, whether you're a first time buyer or experienced buyer.
Andrew K. - Elgin, IL | APR 2017
Tracy Padgett is a great lender to work with. She made the process easy for a first-time home buyer.
Tiffany F. - Joliet, IL | MAR 2017
We really enjoyed working with Tracy!! She was with us every step of the way and really simplified the loan process. Her response times were very quick and she delivered on all her promises. We are very satisfied and plan to recommend her to family and friends!!
Benjamin F. - Crown Point, IN | JAN 2017
I was very happy with Guaranteed Rate and Tracy did a wonderful job!
Alan W. - Peotone, IL | OCT 2016
I really appreciated the timely communication from my loan officer.
Dawn N. - Chicago, IL | JULY 2015
Our loan agent Tracy Padgett was so personable, knowledgeable & helpful! She always replied back quickly & was always very pleasant. We couldn't have been happier with her.
Dawn F. - Manhattan ,IL | OCT 2016
My loan officer, Tracy Padgett, was very personable and made me feel like she cared about me. I was able to call her cell phone and text her, and she got back to me within minutes sometimes. It was nice to know that she was local, and I wasn't talking to someone clear across the country.
John E.- Coal City, IL | JULY 2015
Tracy Padgett went above and beyond to make sure everything we needed was taken care of and that all of our questions got answered (IN A TIMELY MANNER). My wife and I, are the reason that she was late for several dinners and had to work many weekends, yet she never made us feel as though we were a bother or inconvenience. I now know finding a good loan officer is more than finding someone who offers you down payment assistance. What's down payment assistance if you fail to get your dream home because your loan officer wasn't dedicated to making you priority number one? Thanks Tracy for always making us feel like we were your only clients, You rock!
Eric J.- Matteson, IL | JUNE 2016
Tracey Padgett was amazing. We were first time buyers and she made a stressful process so much easier for us. She always made us feel like we were in good hands. We were very thankful to have her.
Kristi W.- Cedar Lake, IN | DEC 2016
Tracy Padgett went beyond the call of duty. She reported to my request immediately even during non-work hours because of that, I was able to submit an offer immediately on my dream house. I would whole-heartedly recommend her to anyone interested in buying a home, refinance or whatever. She is AWESOME!
Sherene V.- Bellwood, IL | DEC 2016
Tracy Padgett was very helpful and knowledgeable. I never had a problem getting into contact with her and she was always able to answer any questions I had. She really made the entire process very easy.
Jeffrey D.- Highland, IN | DEC 2016
Tracy Padgett and her team worked really hard to obtain a loan for us. We were relocating and they made it a seamless process. Thanks for all your time and effort!
Amy R.-Manhattan, IL | DEC 2016
Tracy Padgett of Guaranteed Rate and her team of associates were AWESOME!!! Tracy was extremely knowledgeable, patient and kind throughout the whole process. I couldn't have asked for a better mortgage experience as a first-time homeowner! Should I ever need to refinance or even buy a new home in the future, my go to will be Tracy Padgett of Guaranteed Rate! And, I will definitely be recommending my friends and family to Tracy Padgett and her team for their home loan needs. Very pleased and impressed with the service - cannot say enough good things!!!
Linda S.-Schererville, IN | NOV 2016
Tracy Padgett was extremely knowledgeable, professional and made us feel at ease throughout the loan process. Tracy was efficient and patient in answering all my questions. I will definitely recommend her to family and friends and should we need her services in the future, Tracy will be the first one we will call. Tracy Padgett is the best at what she does!
Peter K.-Cedar Lake,IN | NOV 2016
We are BEYOND satisfied with our Loan Officer, Tracy Padgett. She is everything we needed when buying our first home. From our initial phone call, all the way to closing, she was with us every step of the way to keep us informed and prepared. I highly recommend her team to everyone. When it comes time to buy our next house, Guaranteed Rate will be our first phone call!
Steven D. | 10/04/2016
The experience was very smooth and stress free!
Scott T.-Demotte,IN | JUN 2016
Tracy Padgett and her team worked on my mortgage and I could not be happier with the service they provided. I am more than pleased with the exceptional service I received with Guaranteed Rate. Every phone call and email were answered almost immediately. They were extremely knowledgeable and I felt very comfortable putting my trust with them. I have never experienced a smoother transaction from start to finish. I would definitely use Guaranteed Rate again and I would most certainly refer them to my friends and family. Thank you so much Tracy Padgett and team!
Ryan J.-Elmhurst,IL | JUN 2016
Tracy did an excellent job of keeping me informed with anything that was going on in regards to the loan. She was very on top of everything and did make it really easy to continue along with the process. I would easily recommend her to anyone and most definitely will in the future.
Steve D. -Oak Lawn, IL | APR 2016
Tracy Padgett was great to work with. Tracy was very helpful throughout the loan process and was easy to get in contact with. I have and will recommend my family and friends to call Tracy for their mortgage needs.
Tim G. – Tinley Park, IL | MAY 2016
Love Tracy! She's competent, professional and to the point.
Martin M. – | OCT. 2015
Tracy is amazing and her team is as well! I would recommend her to anyone looking to purchase a home!
Sarah H. – Hobart, IN | OCT 2015
Tracy is a super professional and knows her stuff inside and out. I'm so blessed that I was led to her for my loan. I couldn't have done better. Thank you Tracy!
Kassie K. – Hobart, IN | NOV. 2015
Tracy knows mortgages! People who want a knowledgeable professional who is responsive, thorough, and caring should look no further. She is a rarity in the mortgage business and her success proves it!
Steven C. - FEB 2016
As a realtor, it is important that I find a mortgage money for my clients and Tracy always has the plan to do that. If she tells me she get it done she always comes through!
Craig J - Realtor | FEB 2016
This was my first time buying a home. I could have asked for a better experience. I hope if I ever buy another home it goes as smooth as it did this time.
Brian V. – Joliet, IL | MAR 2016
The process was painless fast and convenient process. We are not killing trees. My loan officer was Tracy Padgett and I would never go anywhere else. I highly recommend her for anyone that's looking for a home. Great feedback and consistent follow-up skills. I absolutely love her!
Naomi B. – Sauk Village, IL | AUG 2015
Tracy Padgett was awesome to work with.
Fidel T.– Hammond ,IN | June 2015
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