Crown Point, Indiana

Your dream home shouldn't feel out of reach — let's make the numbers work for you.

I'm Tracy Padgett, your local mortgage professional with Guaranteed Rate. For over a decade, I've helped families in Northwest Indiana turn the key to their first home, refinance with confidence, and unlock equity they didn't know was theirs.

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10+ Years Serving NW Indiana
500+ Families Helped
A+ BBB Rating
Tracy Padgett standing outside a beautiful home in Crown Point, Indiana
Charming home interior in Crown Point, Indiana
Guaranteed Rate NMLS #622569
Tracy Padgett in her Crown Point office
10+ Years of trusted mortgage expertise in Northwest Indiana
About Tracy

A neighbor who knows your community — and your mortgage options.

I grew up right here in Crown Point, and I've watched this community grow into something truly special. That's why I do what I do: help people like you — teachers, first responders, small business owners, growing families — find a mortgage that actually fits their life.

At Guaranteed Rate, I have access to an incredible team of loan officers, processors, underwriters, and closing specialists. But what makes the difference isn't just the resources — it's that I show up. I return calls. I explain things in plain English. And I don't celebrate until you're holding your keys.

Personal Attention You work directly with me — not a call center.
Fast Turnarounds Competitive rates with efficient processing.
Local Expertise First-time buyer programs, VA loans, and more for our community.
Mortgage Solutions

Every homebuyer's story is different. So should their loan.

Whether you're buying your first home, refinancing to lower your payment, or unlocking the equity you've built, I'll walk you through every option so you can move forward with confidence.

First-Time Homebuyer Loans

FHA, conventional, and Indiana's Homeownership Opportunity Program — I'll help you discover the path that fits your budget and goals, even with a smaller down payment.

Refinancing

Lower your rate, shorten your term, or cash out equity — refinancing can change your monthly payment dramatically. Let's run the numbers and see if it makes sense for you.

VA Loans

You served our community — now let me serve you. VA loans offer competitive rates and zero down payment for eligible veterans and active-duty service members.

Jumbo & Conforming Loans

Looking at a higher-priced home in Crown Point or the surrounding areas? I'll find the right loan structure to make it happen — without overextending yourself.

Down Payment Assistance

Indiana and local programs can help cover part or all of your down payment. I know these programs inside and out and will find the one that works for your situation.

Pre-Approval & Consultation

Before you start house hunting, get a clear picture of what you can afford. A pre-approval strengthens your offer and gives you the confidence to make moves quickly.

How It Works

From first call to closing day — I'm right beside you.

Getting a mortgage doesn't have to be intimidating. Here's what our journey together looks like.

01

Let's Talk

Call or message me. We'll discuss your goals, your budget, and what kind of home you're looking for. No pressure — just a real conversation.

02

Get Pre-Approved

I'll pull your numbers, explore your options, and get you a pre-approval letter so you know exactly what you can spend — and your seller knows you're serious.

03

House Hunt with Confidence

Work with your realtor to find the perfect home. I'll be available whenever questions come up about rates, terms, or eligibility.

04

Close & Celebrate

Underwriting, appraisal, and closing — I guide you through every step. On closing day, you'll walk out with your keys and a payment you're happy with.

Client Stories

Don't take my word for it — hear from the families I've helped.

Tracy made what we thought would be a stressful process feel completely manageable. She answered every question, explained everything in terms we understood, and got us into our first home at a rate we didn't think was possible.

Marcus & Jenna T. First-Time Buyers, Crown Point

After 15 years in our home, we were ready to refinance. Tracy found us a rate that cut over $300 a month off our payment. She was fast, friendly, and kept us informed the entire time. I recommend her to everyone.

Sandra K. Refinance Client, Highland

As a veteran, I was nervous about the VA loan process. Tracy walked me through every step, connected me with resources I didn't know existed, and made sure I never felt like just another file number. Truly grateful.

David R. VA Loan, Schererville

Ready to find out what you can afford?

Let's have a no-pressure conversation about your goals. Whether you're months away from buying or just curious about your options, I'm here to help.

(630) 869-1042 Send a Message
Get in Touch

Let's start the conversation.

Have questions about your mortgage options? Want to schedule a quick call? Fill out the form or reach me directly — I respond to every message.

Office 125 N Main St, Crown Point, IN 46307
Lender Info Guaranteed Rate · NMLS #622569

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