Tracy Azemika
Mortgage Loan Originator · NMLS #1658370
Licensed in: AZ, CA
About Tracy
Buying a home, refinancing, or building - it is one of the largest financial decisions most people make, and the person handling your loan makes a real difference to how it goes.
Rates and loan programs change constantly. My job is to know what is available today, explain what it means for your situation in plain language, and get you a straight answer quickly.
Have a look at the loan programs and calculators on this site. When you are ready, start an application or send me a message and we will talk it through first - either way, you will hear back from me.
What clients say
Tracy Azemika was so easy to work with ! From my initial inquiry all the way thru closing she kept me in the loop . Submitting the relevant documents to her was fast and easy ! I would not hesitate to reach out to her the next time I need a loan or refi.Highly recommended!
Joe G. · Bakersfield, California Working with Tracy was one of the best decisions we made during our home buying process. From the very beginning, she was incredibly knowledgeable, responsive, and genuinely invested in helping us secure the best possible loan. Every question we had—big or small—was answered with patience, clarity, and confidence.What truly stood out was her commitment to making the process smooth and stress-free. Tracy went above and beyond at every step, ensuring we understood our options and felt comfortable with every decision. Even when things got a little complicated, she stayed professional, finding solutions quickly and efficiently.Thanks to her hard work and dedication, we closed on time and with terms that exceeded our expectations. If you're looking for a lender who’s not only great at what they do but also cares about their clients, I can’t recommend Tracy enough. Absolutely outstanding service from start to finish! (Highly recommend)
Heleodoro B. · Bakersfield, California "VA Home Loan/ First Time Buyer/ - Tracy ... helped me out more than I could have asked for, excellent team of professionals here with relevant information and experience to back them up. Tenacious attitude, friendly service, knowledgeable staff, experienced staff ."
Dennis G. · Bakersfield, California
Message Tracy
Send Tracy a note and they will come back to you directly. No obligation, and no credit check to get a rate quote.
Ready to talk to Tracy?
No obligation, and no credit check to get a rate quote.