Tracey Howard

Mortgage services through Somerset Lending Corp · NMLS #1107565

Financing thatfits theproperty.

Purchase, refinance and investment-property loans, including loans for small-balance rentals and properties held in an LLC, the kind many lenders pass on.

Ask about a loan Call or text 313-900-1558

Loan options

As a mortgage broker, I shop your loan across multiple wholesale lenders instead of offering a single bank's programs.

Homebuyers and homeowners

  • Purchase loans, including for first-time buyers
  • Government and conventional loan options
  • Rate-and-term refinancing
  • Cash-out refinancing

Real estate investors

  • Investment-property loans qualified on the property's rental income
  • Loans to borrowers who hold property in an LLC
  • Small-balance loans on lower-priced rentals
  • Cash-out refinancing to fund your next purchase

How it works

  1. 1

    Talk it through

    Tell me about the property and your plans. I'll tell you which loan types fit.

  2. 2

    Documents and pre-approval

    I'll send a clear document list and get you pre-approved.

  3. 3

    Lock and close

    We choose the lender and terms together and I stay with the file through closing.

Start with a conversation

Please don't send Social Security numbers or bank statements by email or through the website form. I'll send a secure application link.

Ask about a loan

Mortgage services are provided through Somerset Lending Corp, NMLS #133899. Tracey Howard, mortgage loan originator, NMLS #1107565. Licensing can be verified at nmlsconsumeraccess.org. This is not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Programs, rates and terms are subject to change without notice. Equal Housing Opportunity.