Tracy Hayes NMLS#23368 fiber.mortgage LLC NMLS#1728938

Tracy Hayes operates as a dedicated Mortgage Loan Originator under the umbrella of Planet Home Lending, based out of their Jacksonville, Florida branch. Tracy focuses on building strong relationships with clients, providing transparent explanations and tailored advice to secure affordable mortgage solutions for both current and future financial stability.

Through Planet Home Lending, Tracy offers a comprehensive suite of residential mortgage products, including conventional, FHA, VA, USDA, and Jumbo loans. The branch is particularly adept at assisting diverse borrower profiles, from first-time homebuyers and those seeking to move up to real estate investors with multiple properties, emphasizing low and even zero down payment options, and specialized bank statement loans for business owners.

Committed to serving a wide array of financial situations, Tracy Hayes and the team at Planet Home Lending pride themselves on guiding borrowers across the credit spectrum through the home loan process. Their client-centric approach aims to simplify the often-complex world of mortgages, ensuring clients receive competitive rates and terms for their homeownership goals.