I’M TRACY,
YOUR LOCAL
MORTGAGE ADVISOR

APPLY NOW →

From first homes to forever homes, I’ll guide you through your mortgage options so you feel clear and confident about your next step.

LET’S START HERE…

I'M BUYING A HOME →

Whether it’s your first place or forever home, I’ll walk you through your numbers and loan options so you can shop with confidence.

I'M REFINANCING →

From lowering your rate to pulling cash out for projects, I’ll help you compare scenarios and choose the option that truly benefits you.

I HAVE QUESTIONS →

Just starting and need some questions answered? Let’s talk through your goals and I’ll lay out the possibilities - no jargon, no pressure.

I’M TRACY

I believe that buying a home is a big deal and that your mortgage should feel like the easy part.

As a mortgage broker based in beautiful Bozeman, Montana, I’m proud to work with C2 Financial Corporation, the #1 Mortgage Broker in the nation (as voted by AIME). That means I have access to over 100 wholesale lenders and thousands of loan programs—so you get competitive pricing, smart options, and personalized support from start to finish.

Whether you're buying your first home, refinancing, or using your VA benefits, I’ll help you navigate the process with clarity, confidence, and zero pressure.

Yes, getting a mortgage can be simple, financially smart, and transparent—
but only if you’re working with the right guide.

I'm here to help. Reach out for a free rate quote or ask me anything—no commitment required.

  • TRACY IS PHENOMENAL!

    “Tracy is phenomenal! Hands down the best Mortgage Loan Consultant in the business. She is prompt at getting back to you, answers questions in a way you can understand, and helps make the entire process stress free. A unique feature of working with Tracy is that she sends detailed videos with a breakdown of everything so that you can see what she is talking about. It helped so much. We used a VA loan, which can be tricky sometimes… not for Tracy! She knows her stuff. The whole process from start to finish has been so smooth and seamless. Couldn’t ask for anyone better! If I could give more than 5 stars ⭐️ I absolutely would! She’s a rockstar!”

    - Natalie L

  • TRACY'S EXPERTISE AND FAMILIARITY WITH THE VA LOAN PROCESS IS INVALUABLE

    “My wife and I are buying a new home, and I can't say enough about the fantastic experience we are having working with Tracy Guenther. From the get-go, Tracy was more than just a mortgage expert; she was a true ally and guide through the entire home-buying process.

    As a veteran, navigating the VA loan system can be daunting, to say the least. Tracy’s expertise and familiarity with the VA loan process is invaluable. She know the complexities and helps ensure we understand every step! She's maximizing the benefits available to us. Her dedication to helping veterans like me is something I am profoundly grateful for.”

    - Ryan B

  • WE HAD AN INCREDIBLE EXPERIENCE WITH TRACY

    “We had an incredible experience with Tracy when we purchased our new home and highly recommend working with her! Tracy does a wonderful job adding a personal touch to the experience and always makes additional time to meticulously go over all of the details and options available. I really appreciated her level of communication - she would always make herself available when we had questions and even would make videos for us to view at our discretion that explained the current marketplace. She truly goes the extra mile for her clients!”

    -Kristoffer A

  • IF YOU LOOK UP THE WORD "EXTRAORDINARY"

    “If you look up the word "extraordinary" in the dictionary, you'll find a picture of Tracy.
    This is our 3rd time buying a home and it has been by far the best experience.
    Tracy delivered on every aspect of the home loan process. She also explains things very well.
    If I could I would give her more stars, so 5 will have to suffice.
    Thanks Tracy!”

    -Delwynn M