Tracy Bray

Tracy Bray

Loan Officer/Operations Manager, NMLS# 310482

  • 2050 Gordon W Shelton Blvd. Suite 101 
    Fredericksburg, VA 22401
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The loan officer you work with can make or break your mortgage experience. And because there is a lot riding on your choice of home financing, we don’t take our jobs lightly at C&F Mortgage Corporation.

As a customer of ours, you can expect sound guidance from a skilled, experienced professional. Our licensed loan officers receive extensive training and are required to fulfill continuing education to stay at the top of their field. From pre-qualification to loan closing, you’ll receive legendary service from a local lender who provides you with accurate, up-to-date financing options that best fit your needs. Your loan specialist will take responsibility for personally seeing your loan processing through to completion, while promptly and respectfully responding to any questions along the way.

C&F loan officers are determined to help you reach your homebuying or refinancing goal as quickly and as economically as possible. The result is a custom-built mortgage that you can feel confident about.

  • Over the past 20 years I have had the pleasure of working with Tracy Bray with C&F Mortgage. I cannot say enough about the professionalism and attention to detail that she displays throughout the mortgage process. From the settlement side of it, she is quick to answer emails and provide any additional information needed to get the loan closed in a timely manner and in line with the costs and figures she initially disclosed. I have not experience one unhappy customer in any transaction that I’ve closed with Tracy. Her knowledge of the loan process and the types of loans out there that will best fit a borrower’s needs is second to none! Whether refinancing or purchasing she can find the best deal out there for her clients.

    Connie Kelso

    Superior Settlement Services, LLC

  • I have only had wonderful experiences with Tracy Bray and C & F Mortgage Corporation. Seven years ago I was set up with a competitor to take care of my very first mortgage. It was a horrible experience! That fell through and Tracy took over. Buying my first home was a scary process, but Tracy made it very simple and eased my stress by walking me through everything. Since then I have refinanced. Again, Tracy walked me through every step and answered all of my emails with professionalism and kindness.

    Pamela B.

  • Tracy Bray is simply awesome! Entering my 19th year as a Realtor, I can say Tracy is one of the most complete professionals I have had the pleasure to know. She is always on top of everything…prompt, efficient, knowledgeable, reassuring, patient and diligent. Agents, clients and settlement companies all love her. She personally keeps everyone in the loop. When Tracy is working with a client and/or a loan, I know that everything will go as smoothly as humanly possible—no delays, no surprises…she is thorough from the beginning so that all goes as planned. Tracy is an amazing resource when I need an ear to find a path for a client. And to top it all off, she has a genuine heart finished off with a beautiful smile. Professionals of this caliber are who I want my clients working with, without question. Thanks Tracy, and thanks C&F Mortgage. Top notch all the way!

    C. Lynn Lenahan

    Associate Broker

Know your numbers

Use these handy resources to determine your anticipated homebuying costs, based on the interest rate, down payment, and other variables of your unique situation.

Don’t know your interest rate?

Interest, the charge paid for borrowing money, is calculated as a percentage of the amount borrowed. Because interest rates fluctuate daily, sometimes hourly, the best way for you to obtain your ideal rate is to contact an experienced C&F Mortgage loan officer in your area.

(Calculators will be Ellie Mae widgets within the page)
Ellie Mae is updating their portal, but this is the current link to the calculators

Home Financing Made Easy

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