About Traci Schram
Traci is a trusted Guaranteed Rate Affinity Loan Officer based in beautiful Laguna Beach, California. My goal is to make the mortgage process clear, efficient, and easy to navigate from application through closing. As a local resident with deep roots in Orange County's coastal communities, I'm committed to providing personalized guidance, consistent communication, and a high level of service so you feel informed, supported, and confident every step of the way. Whether you are a first-time homebuyer, purchasing your next home, refinancing, or exploring specialized financing solutions, my team and I are here to help. We offer a wide range of mortgage programs, including conventional, jumbo, FHA, VA, Non-QM, asset-based financing, bank statement loans, DSCR loans, second mortgages, and personal loan options. As a devoted mother of two daughters, I truly understand the importance of finding the right home and building financial stability for your family. I bring that same care and attention to every client I serve. Please feel free to reach out anytime using the contact information on this page. Use this website as a helpful resource as you begin or continue your home financing journey — I'm always here to answer your questions and guide you through the process.
