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Tracy Sommerdorf

Home Equity Retirement Originator

NMLS# 409955

(425) 444-2713

11900 N.E. 1st Street, Building G Suite 300, Office 3098, Bellevue, WA 98005

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About Me

Meet Tracy Sommerdorf
Reverse Mortgage Specialist | 22+ Years of Experience | Advocate for Empowered Retirements

With over two decades in the mortgage industry, Tracy Sommerdorf has helped hundreds of retirees and their families make smart, confident financial decisions—often during some of life’s most important transitions.

As a dedicated specialist with Mutual of Omaha, Tracy is passionate about removing the confusion from the mortgage process and replacing it with clarity, confidence, and peace of mind. She takes the time to listen, understand your goals, and guide you through personalized solutions—whether you’re looking to increase monthly cash flow, age in place, or move into your forever home.

Tracy is especially skilled in reverse mortgage solutions, including the FHA-insured Home Equity Conversion Mortgage (HECM), the Purchase Lifestyle Home Loan, and Jumbo reverse mortgages for higher-value homes. Her goal? To help you unlock the potential of your home’s equity in a way that supports your lifestyle, your legacy, and your long-term financial well-being.

Trusted by retirees, financial planners, and real estate professionals alike, Tracy is known for making complex topics easy to understand and for always putting her clients first. If you’re looking for a knowledgeable, compassionate guide to help you navigate your retirement financing with confidence—Tracy is here to help.

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Common Examples of What a HECM Can Help You Do

  • Purchase a new home to fit your lifestyle needs
  • Reduce monthly expenses by paying off existing mortgage
  • Enhance your cash flow
  • Create an emergency fund
  • Fund for home repairs or upgrades
  • Fund the expense for caregivers, live-in nurses, or other in-home care
  • Protect your retirement portfolio
  • Reduce monthly expenses by paying debt
  • Incorporate housing wealth into your retirement plan
  • Increase cash to help ensure monthly bills are paid
  • Reduce the burden of out-of-pocket healthcare costs
  • Have the cash for a large expense, such as a vacation or vehicle
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