Whether you’re purchasing your first home, refinancing, or exploring investment opportunities, Tracy provides personalized mortgage solutions tailored to your unique needs. With extensive industry expertise and a commitment to exceptional service, she ensures a seamless process from start to finish.
With over 15 years of experience in the industry, Tracy is dedicated to helping individuals and families achieve their homeownership dreams. As a Senior Mortgage Advisor at Onward Lending Group, she specializes in providing personalized solutions that simplify the mortgage process, whether you’re a first-time buyer, seasoned homeowner, or investor.
Tracy’s approach is rooted in professionalism, transparency, and care. She takes the time to understand your unique financial goals and guides you through every step, ensuring you feel informed and confident. Known for her integrity and expertise, Tracy has built a reputation for delivering tailored strategies that make securing a mortgage seamless and stress-free.
Tracy offers a wide range of mortgage solutions designed to fit your unique financial goals. Whether you’re buying a new home, refinancing, or exploring private mortgage options, Tracy ensures a smooth, stress-free process with expert guidance every step of the way.

Achieve your dream of homeownership with expert guidance and personalized solutions for first-time buyers and seasoned homeowners alike.

Lower your interest rate, reduce monthly payments, or access your home’s equity with tailored refinancing solutions.

Secure the best terms for your mortgage renewal with strategic advice that aligns with your financial goals.

Simplify your finances by consolidating high-interest debts into a manageable mortgage plan.

Optimize your real estate portfolio with a comprehensive analysis and actionable insights.

Access flexible funding solutions for unique financial circumstances with trusted private mortgage options.
Experience the convenience of managing your mortgage journey anytime, anywhere. With Tracy’s app, you can explore mortgage options, calculate payments, track your application status, and access expert tips—all from your smartphone.
Explore a range of easy-to-use mortgage calculators designed to help you estimate payments, compare loan options, and plan your finances. Whether you’re budgeting for a new home or considering refinancing, these tools provide the insights you need to make confident decisions.

Gives you quick access to loan options and the difference they can make in your monthly mortgage payment.

Shave years off your Mortgage and save you thousands by using an accelerated bi-weekly mortgage payment.

Which mortgage provides you with the best value?

This calculator helps you determine just how much house you can afford.

This calculator helps you determine if you need to rent or buy a house.

Save thousands of dollars in interest by increasing your monthly mortgage payment.
Start your mortgage journey today with Tracy’s expert guidance and personalized solutions. Applying is simple, fast, and secure—let’s make your homeownership dreams a reality!
Read real experiences and feedback from our valued customers, and see what makes us stand out.
Posted on nam phanTrustindex verifies that the original source of the review is Google. I had such a great experience working with Tracy on my first mortgage here in Canada. She made the whole process so much easier than I expected—always patient, super responsive, and explained everything clearly so I never felt lost. Tracy really cares about her clients and goes the extra mile to make sure you feel supported every step of the way. I’m so grateful for her help and would 100% recommend her to anyone looking for a mortgage advisor.Posted on Hanson WangTrustindex verifies that the original source of the review is Google. I had Tracy help with an development and commercial mortgage. She had delivered amazing customer service with her quick and speedy responses. I could really tell she cared about her clients. On top of that, her offered rates are competitive. Thanks Tracy for helping our development team with securing an commercial mortgage.Posted on Connie HuiTrustindex verifies that the original source of the review is Google. If you're looking for someone who goes above and beyond for their client's best interests and always has their pulse on the market, look no further than Tracy! Having worked with Tracy for many years from our first home purchase to many other purchases over the years, she does all the background work and makes the process so seamless and easy. She is extremely professional yet personable, and has great integrity which is something that is rare to find. I strongly recommend Tracy!Posted on Jason STrustindex verifies that the original source of the review is Google. I highly recommend Tracy for all your mortgage needs. If you are a new home buyer or a veteran, Tracy will stay with you every step of the way. She demonstrated commitment throughout the process, by communicating quickly, regardless of time, and provided the best rate with a A lender. Truly, one of the best in the industry.Posted on Peter ChanTrustindex verifies that the original source of the review is Google. We had the absolute pleasure of working with Tracy as our mortgage specialist for our recent detached home purchase, and we couldn’t be happier with the experience. It was the biggest investment of our lives, and Tracy guided us through every step with professionalism, patience, and expertise. She was always quick to respond, stayed on top of our file for months, and handled all the intricacies of compliance seamlessly. Tracy provided us with excellent options, explained every scenario in detail, and made sure we felt confident with our decisions. Her knowledge, dedication, and genuine care really set her apart. Thanks to Tracy, we secured a fantastic rate and had peace of mind throughout the entire process. We highly recommend her to anyone looking for mortgage support—you will be in great hands!
Read real experiences and feedback from our valued customers, and see what makes us stand out.