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Tracy James Headshot

Tracy James

Sr. Mortgage Loan Originator
Movement Mortgage
NMLS ID # 1332295

REFINANCE CALCULATOR

Use Our Refinance Calculator to Unlock Your Mortgage Savings

Thinking about refinancing your mortgage? Our Refinance Calculator helps you estimate potential savings, lower monthly payments, and determine if refinancing is the right move for you. Simply enter your loan details, compare options, and get a personalized assessment of your refinancing potential.


Erin W, HOMEBUYER

"Tracy made our home purchase process a breeze! We are so grateful to have worked with Tracy and appreciated how on top of everything she was through each phase of the process. Highly recommend using Tracy for your mortgage needs. Thank you, Tracy!"

Jun 24, 2025

Amanda C, HOMEBUYER

"We had the pleasure of working with Tracy during the refinancing of our home, and we truly couldn’t have asked for a better experience. From start to finish, Tracy guided us through every step of the process with clarity, patience, and professionalism. Refinancing can feel overwhelming, but Tracy made it feel simple and manageable. She was always available to answer questions, kept us informed throughout, and never stopped working to make sure we were getting the best possible outcome. It was clear she genuinely had our best interest at heart. Thanks to Tracy’s expertise and dedication, we were able to complete our refinance smoothly—and now we’re positioned for a better and brighter future. We’re incredibly grateful for all she did for us, and we highly recommend her to anyone looking for a lender who truly delivers. Thank you, Tracy, for making it happen!"

Jun 02, 2025

Mary-Margaret R, HOMEBUYER

"Due to my situation, I didn't think that I was qualified for a Mortage and that I would have to stay as a renter for years more. Tracy showed me that I was wrong and now I've just moved in to my first house. Without her help I dont know where I'd be now."

May 13, 2025
Tracy James Headshot
Tracy James
Sr. Mortgage Loan Originator
Ready to learn more or get started? Complete the form and let’s connect.
555 Spring St, Friday Harbor, WA 98250
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NMLS # 1332295

State License #AZ-1035521, CA-DBO1332295, FL-LO136960, VA-MLO-72195VA, WA-MLO-1332295