📞 (224) 622-9001 ✉ mtracy@tcmortgageservices.com
Serving Illinois & Wisconsin f G
Licensed Mortgage Expert · IL & WI

Your Home.
Your Mortgage.
Done Right.

Matthew Tracy brings a personal touch to every loan — no call centers, no runaround. Just clear guidance, competitive rates, and a smooth path to closing.

Start Your Application Call Matt Today

Service Area: All of Illinois & Wisconsin

IL & WI
Licensed States
10+
Lender Partners
NMLS
#2297907 Verified

Get a Free Rate Quote

No obligation — Matt will reach out within one business day.

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🔒 Your information is kept private and never sold.

Fast Clear-to-Close Times
Multiple Lenders Shopped for You
Real-Time Loan Status Updates
Virtual E-Closing Available
Matthew Tracy, Loan Originator
About Matt

A Mortgage Expert
In Your Corner

I'm Matthew Tracy, a licensed Loan Originator with Town & Country Mortgage Services based in Arlington Heights, Illinois. I've spent my career helping families across Illinois and Wisconsin navigate one of the biggest financial decisions of their lives — and I take that responsibility seriously.

When you work with me, you're not a file number at a big bank. You get my direct line, honest answers, and a commitment to finding the loan that actually fits your situation — not just the one that's easiest to close.

From first-time buyers to seasoned investors, I've helped clients at every stage of the homeownership journey. I partner with multiple lenders to shop on your behalf, so you get competitive rates without the legwork.

NMLS #2297907
IL Licensed
WI Licensed
CA Licensed
Town & Country Mortgage NMLS #221739
Loan Products

Solutions for Every Buyer

Whether you're a first-time buyer, seasoned investor, or looking to tap your home's equity — Matt has you covered with a wide range of loan products.

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Home Purchase

Starter home, forever home, condo, townhome, or 2–4 unit property — get into the home you want with a loan tailored to your situation.

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Mortgage Refinance

Lower your rate, shorten your term, or tap your home's equity for renovations, debt consolidation, or tuition. Find out what a refinance can do for you.

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Investment Properties

Grow your portfolio. We work with multiple income streams — including projected rental income from the property you're purchasing — to get you financed.

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🏛️

FHA Loans

Great for first-time buyers or those rebuilding credit. FHA loans offer low down payments (as little as 3.5%) and flexible qualification standards.

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VA Loans

Serving those who served. VA loans offer $0 down, no PMI, and competitive rates for eligible veterans, active duty service members, and surviving spouses.

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USDA Loans

Buying in a qualifying rural or suburban area? USDA loans offer 100% financing with no down payment required for eligible borrowers.

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Jumbo Loans

Purchasing a higher-priced home that exceeds conforming loan limits? Jumbo financing is available with competitive rates and flexible terms.

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Down Payment Assistance

Don't let the down payment hold you back. Multiple DPA programs are available in Illinois and Wisconsin to help you get in the door sooner.

Learn more
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HELOC — Home Equity Line of Credit

Tap into your home's equity fast — with one of the quickest closings in the industry. Need funds for renovations, debt consolidation, education, or anything else? A HELOC gives you flexible access to cash at competitive rates.

  • Close in as little as one day — fastest notary turnaround: 15 minutes
  • Loan amounts from $5,000 to $400,000
  • Qualifies off the higher FICO score (not the lower) when co-applicants apply
  • Competes with credit union rates
  • 2% cash back on every purchase with the attached credit card
  • Flexible income docs: Full Doc, Bank Statements, or 1099
  • 620 FICO · 55% max DTI · 89% max CLTV
  • Primary, secondary & investment properties eligible
Apply now
🔍

Don't See Your Loan?

I work with a broad network of lenders and can often find solutions that banks can't. Reach out and let's talk through your situation.

Call Matt
Mortgage Calculator

Estimate Your Monthly Payment

Use this calculator to get a rough idea of what your monthly payment might look like. For a precise quote tailored to your situation, reach out to Matt directly.

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Fast Pre-Approvals

Get a decision quickly so you can shop with confidence.

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We Shop the Market

Multiple lender relationships means better options for you.

Estimated Monthly Payment
$1,863
Principal & interest only · Does not include taxes, insurance, or PMI
Ready to apply? Start your application →
Why Matthew Tracy

The Difference Is Personal

Working with Matt means working directly with your loan officer — from first call to closing day.

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Direct Access to Matt

No call centers, no handoffs. You have Matt's direct line and can reach him when you need answers.

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Multiple Lender Network

Matt isn't tied to one bank's products. He shops across lenders to find the best rate and terms for your situation.

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Apply from Anywhere

Online applications, digital document upload, and virtual e-closing make the process fast and convenient on any device.

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Real-Time Transparency

Track your loan status every step of the way. No black boxes — just clear, up-to-date information from application to close.

Client Reviews

What Clients Are Saying

Real feedback from real clients across Illinois and Wisconsin.

See all reviews on Google →
Resources & Blog

Guides to Help You Decide

Plain-English mortgage articles written by Matt — so you can walk into the process informed and confident.

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First-Time Buyers

The First-Time Homebuyer's Guide: Everything You Need to Know in 2026

From credit scores to closing day — a complete plain-English walkthrough of every step in the homebuying process, including 0% down payment programs available in Illinois and Wisconsin.

📅 June 2026 ⏱ 10 min read
Read the Full Guide →
🦅 IL
Illinois Specific

Illinois-Specific Homebuying Information

Attorney closings, property taxes, title insurance, and Illinois-specific DPA programs explained.

Read Guide →
🦡 WI
Wisconsin Specific

Wisconsin-Specific Homebuying Information

Title company closings, property taxes, home prices, and what's different about buying in Wisconsin.

Read Guide →
View All Guides & Resources →
FAQ

Common Questions

Everything you've wondered about getting a mortgage — answered clearly.

What credit score do I need to buy a home?
It depends on the loan type. FHA loans typically require a minimum score of 580 (with 3.5% down) or 500–579 (with 10% down). Conventional loans generally require 620+, while VA and USDA loans vary. The higher your score, the better your rate — but don't assume you don't qualify. Let's talk through your specific situation.
How much do I need for a down payment?
Less than you might think. VA and USDA loans offer 0% down for qualifying borrowers. FHA loans require as little as 3.5%. Conventional loans can go as low as 3% down in some cases. Down payment assistance programs in Illinois and Wisconsin can also help bridge the gap.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on self-reported info — useful for a rough idea of your buying power. Pre-approval is a more thorough review of your credit, income, and assets, resulting in a conditional commitment from a lender. Sellers take pre-approvals much more seriously, and in competitive markets, it's essential before you start shopping.
How long does it take to close on a home loan?
Typically 21–45 days from application to closing, though this varies based on loan type, property, and how quickly documents are provided. We pride ourselves on fast, efficient closings — and you'll always know exactly where things stand throughout the process.
Can I still get a mortgage if I'm self-employed?
Absolutely. Self-employed borrowers typically need to provide two years of tax returns, a year-to-date profit and loss statement, and bank statements. The key is showing consistent income over time. Matt works with self-employed clients regularly and knows how to present your finances in the best light to lenders.
What is PMI and how do I avoid it?
Private Mortgage Insurance (PMI) is typically required on conventional loans when your down payment is less than 20%. It protects the lender — not you — and adds to your monthly payment. You can avoid PMI by putting 20% down, using a VA loan (which has no PMI), or structuring a piggyback loan. Once you reach 20% equity, you can request PMI removal.
Should I choose a 15-year or 30-year mortgage?
A 30-year loan has lower monthly payments, giving you more cash flow flexibility. A 15-year loan builds equity faster and typically comes with a lower interest rate — but with higher payments. The best choice depends on your income, goals, and how long you plan to stay in the home. Matt can run the numbers both ways so you can decide with confidence.
What costs should I expect beyond the down payment?
Closing costs typically run 2–5% of the loan amount and include lender fees, appraisal, title insurance, prepaid taxes and insurance, and more. In some cases these can be negotiated with the seller or rolled into the loan. Matt will walk you through a detailed Loan Estimate so there are no surprises at the closing table.

Ready to Make Your Move?

Whether you're buying your first home or your fifth — Matt is ready to help. Reach out today for a free, no-pressure conversation.

Start Your Application Call (224) 622-9001

Or email directly: mtracy@tcmortgageservices.com