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Tracie Southerland

Tracie Southerland

VP of Mortgage Lending · NMLS# 296909

San Luis Obispo, CA5.0(8 reviews)

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Tracie Southerland at Certainty Home Lending (NMLS #296909)

Today · 9 AM – 5 PM

895 Pismo StreetSan Luis Obispo, CA 93401
Rating5.08 reviews
Satisfied100%8 reviews

Quick service and painless. Appreciated the updates. Thank you.

Tracie Southerland was a pleasure to work with! She is knowledgeable, responsive, and genuinely care’s about her clients. Her professionalism, clear communication, and attention to detail made the mortgage process smooth and stress fee. I highly recommend Tracie to anyone looking for a trustworthy and dedicated mortgage broker.

Exemplary professionalism and high level savvy! Tracie has a wellspring of knowledge and a gift of being able to identify potential problems well in advance. She took on our challenging case and steered us through the potentially turbulent process of refinancing with masterful leadership, enabling a successful outcome and remarkably smooth sailing. We are so very grateful. Bravo and profound thanks!

Jeffrey D.

It was excellent to work with Tracie. She was always available and guided me through the process at every step

Rogelio L.

Tracie and Lara were absolutely fantastic to work with throughout my home mortgage refinance process. From start to finish, they were professional, responsive, and incredibly knowledgeable. They went above and beyond to help navigate a complex situation with my HOA while being proactive and communicative. They clearly explained every step of the process, and worked hard to keep everything moving forward despite the obstacles. I truly appreciated their patience, persistence, and dedication. It was clear they genuinely cared about helping me get the refinance completed successfully. I would highly recommend Tracie and Lara to anyone looking for trustworthy and supportive lenders.

Stephanie S.View on Google

It was terrific working with Tracie. She was creative, responsive, and incredibly fast in helping us get into position to submit a winning offer. I really appreciated her guidance throughout the process.

Response from Owner

Thank you Rogelio! Loved working with you. Wishing you great times in your new home!

Rogelio H.View on Google

The Certainty team did a good job of instilling trust and always followed through on their work. They were always quick to respond when we had questions.

Ryan S.

Entirely due to the positive experience we had with Tracie Sutherland & Lara Larkin

Gabriella I.
Equal Housing LenderEQUAL HOUSINGLENDER
© 2026 Guaranteed Rate, Inc DBA Certainty Home Lending. All Rights Reserved. Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: www.nmlsconsumeraccess.org. Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955 This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.

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