Tracy Schruck
- Senior Mortgage Loan Officer
- NMLS: 613770
- (251) 747-0066
- 1800 International Park Dr #100
- Birmingham, AL 35243
Welcome to my website
19 years in the mortgage industry. I’m experienced in new construction and resale. My goal is to help you get in the home of your dreams with a mortgage that meets you where you are in your journey. I am from Virginia and have called the Gulf Coast home for 29 years. I spend my down time with my husband and pup, Scooter, traveling the country visiting our 11 grandchildren.
Selling Your Home? What You Need to Know About Capital Gains Taxes
If you’re planning to sell your home, you may have heard about capital gains taxes—but what does that mean for you? The good news is, many homeowners can reduce or even avoid paying taxes on their profits if they meet certain... Read More
Why Now Is the Time to Apply for a Mortgage
If you’ve been sitting on the sidelines waiting for the “right time” to buy a home, this is your sign. Mortgage demand just jumped 20% in a single week, according to the latest CNBC report, all thanks to falling interest rates. What... Read More
Mortgage Rates Hit 4-Month Lows: What This Means for You
Great news for homebuyers and homeowners—mortgage rates have dropped to their lowest levels in four months. As of February 25, 2025, the average 30-year fixed mortgage rate is now at 6.80%, down 0.22% over the past four business days. This... Read More
Buying vs. Renting in 2025: Why Homeownership Still Wins
Deciding whether to buy or rent in 2025? You’re not alone! A recent report found that in most areas of the U.S., owning a home is still more affordable than renting a three-bedroom home. While both renting and buying require a significant... Read More