Tracy L. Kelly has a proven track record in the mortgage   industry.  She has established herself in 11 states as a   mortgage broker, is FHA approved in 3 states, and has   earned an excellent reputation by being honest and   forthright when dealing with borrowers.  She is the   broker and owner of one of the fastest growing female   owned mortgage businesses in the United States.     Tracy L. Kelly has survived not only the current   economic status of mortgage banks, but also the   negative connotations surrounding the name �mortgage broker� today.  Tracy is motivated, results-oriented and financially astute.  She has an excellent record of providing the best possible rate available for home buyers and those refinancing their existing property; always willing to give broker credit to those in need in order to get their loan to be most beneficial for their financial situation.  Tracy is dynamic and is deeply committed to providing a smooth and enjoyable transaction keeping lines of communication open between her and her clients, transaction coordinators and all involved in the process of a home mortgage.   Tracy is skilled in dealing with a wide variety of negotiations including traditional transactions, land sales, new construction, condo conversions, short sales, loss mitigation, refinance, and foreclosures; just to name a few.  Known for an exemplary level of integrity and knowledge, Tracy graciously upholds the standards set by her company, Kelly Mortgage and Realty, Inc., located in Aliso Viejo, CA.