Tracy Lynne Hodges

Job Title
VP Area Manager, Eastern Shore Lending
Career Started
For updated license info and work history visit  NMLS Consumer Access
Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.

About Tracy Lynne Hodges

Tracy Cohee Hodges, a lifetime resident of the Eastern Shore of Maryland, has helped new and existing homeowners achieve their dreams of home ownership since 1993 with First Home Mortgage. She is a 1984 graduate of the University of Maryland, BS College of Business and Management and continues her education within the mortgage industry. Knowledge, trust and professionalism is the resounding praise she receives from her customers. She invites you to become one today! First Home Mortgage Corporation, NMLS ID #71603 (

Tracy's Reviews

4.9 Stars - 158 Reviews
"Tracy was amazing throughout the entire process! She made my first time home buying experience the best! I will highly recommend her to others!"
Buying - Trappe, Maryland July 2018
"Excellent to work with. Everything happened so fast. I will be recommending her and First Home."
Buying - Denton, Maryland July 2018
"professional, easy to work with"
Buying - Trappe, Maryland July 2018
"WOW. An absolutely wonderful experience. Fast, friendly, efficient. "
Refinance - Trappe, Maryland December 2017
Buying - Neavitt, Maryland December 2017
"Very professional and friendly. Great job. "
Buying - Hurlock, Maryland January 2018
"Amazing! Any questions I had they were there to help. Took care of me From beginning to end. Will always use First Home Mortgage!"
Buying - Hurlock, Maryland April 2018
Buying - Denton, Maryland May 2018
"Everything about Tracy's business is professional, and friendly. We were shepherded through the entire process, and felt we had all the help needed. Thanks!"
Buying - Saint Michaels, Maryland May 2018
"Easy to communicate with and very knowledgeable of the mortgage process and products that First Home Mortgage offered. Friendly, courteous and precise."
Buying - Easton, Maryland June 2018
"Excellent customer service and very professional staff. Very helpful and dedicated staff. This is my 3rd home and went through Tracy (First Home Mortgage) with all 3. "
Buying - Trappe, Maryland June 2018
"Our loan officer was fantastic - very thorough and extremely professional. "
Buying - Mcdaniel, Maryland August 2018
"Tracy and her crew were very knowledgeable and helpful. They were instrumental in our success of purchasing a home. "
Buying - Tilghman, Maryland August 2018
"Was always there to answer any questions we had. Very professional and courteous!"
Buying - Ridgely, Maryland August 2018
"Brittany was very thorough and even got us a refund from insurance! Awesome!!"
Buying - Cambridge, Maryland October 2018
"Tracy and her team were very efficient and made the process easy and smooth."
Buying - Saint Michaels, Maryland October 2018
"Quick responses"
Buying - Salisbury, Maryland November 2018
"Professional and superb Customer service. I would refer Tracy to family and friends."
Buying - Easton, Maryland December 2018
"Got it done !"
Buying - Easton, Maryland December 2018
"Tracy and her team are WONDERFUL to work with. So professional and efficient. A very smooth transaction indeed. I'd call them Miracle Workers! "
Buying - Easton, Maryland January 2019
"This is our third time using Tracy and her very competent team and we are always happy in the end. She takes care of everything and leaves no stone unturned. "
Buying - Denton, Maryland April 2019
"Was very polite and professional and explained every little detail of the process with me. Buying our first home was made possible because of Tracy and First Home Mortgage. I can"t possibly praise her or thank her enough."
Buying - Hurlock, Maryland April 2019
"Tracy and Brittany, you both were great to work with. You really went above and beyond to make my loan happen, and I really appreciate it all. First Home will be my first recommendation to anyone. Thanks!!!"
Buying - Easton, Maryland April 2019
"Wonderful experience from start to finish. Very efficient and delightful to work with!"
Buying - Easton, Maryland June 2019
"Terrific service and correspondence throughout the process."
Buying - Saint Michaels, Maryland July 2019
Buying - Trappe, Maryland July 2019
"Excellent service! Very thorough out the process. Thank you!"
Refinance - Moseley, Virginia July 2019
"Tracy was experienced and was very knowledgeable about the entire process. Any questions I had she helped me understand them and made each step effortless."
Buying - Point Of Rocks, Maryland August 2019
"They truly care about their clients!"
Buying - Trappe, Maryland August 2019
"timely, responsive, customer focused"
Refinance - Trappe, Maryland September 2019
"Great team. Steps were trouble-free."
Refinance - Centreville, Maryland September 2019
"Tracy Lynne Hodges and The First Home Mortgage Company are the best!! They were extremely helpful and walked me through each step which made purchasing a home a smooth process. Thank you!!!"
Buying - Easton, Maryland September 2019
Buying - Preston, Maryland October 2019
"Professional and courteous."
Refinance - Cambridge, Maryland October 2019
"Tracy was great and answered all of our questions and made the loan process quick and easy."
Buying - Preston, Maryland October 2019
Buying - Tilghman, Maryland October 2019
"Outstanding service"
Refinance - New Market, Maryland October 2019
"She is understanding and listens well. She looked out for our best interest and didn't try to sell us on more than what we wanted to spend. She was available whenever we had a question and always replied in a timely fashion. We had a very bad experience with a previous lender but Tracy and her team gave us a positive outlook at the end and we couldn't have been happier with her performance. Thank you so much Tracy"
Buying - Cambridge, Maryland November 2019
"Expertly and efficiently handled!"
Refinance - Easton, Maryland December 2019
"Easily approachable...very professional...her whole team was amazing!!! Would recommend them to everyone!!!"
Buying - East New Market, Maryland December 2019
"Very helpful every step of the way. She made me less nervous to buy a house. If I knew it were this easy, I probably would have bought a house sooner."
Buying - Greensboro, Maryland January 2020
Buying - Preston, Maryland January 2020
"Tracy and her staff made buying my home easy. They went above and beyond to help me get the things I needed to make the process go smooth. They are awesome."
Buying - Easton, Maryland January 2020
"Tracy and the entire Fire Home Mortgage team were amazing! They answered all of my questions and made the process as smooth and easy as possible. I cannot thank them enough for such wonderful customer service."
Refinance - Mcdaniel, Maryland January 2020
"Amazing, friendly, easy to work with, helpful in every moment of the process, highly recommended."
Buying - Easton, Maryland January 2020
"Professional, friendly and accommodating"
Buying - Ocean City, Maryland February 2020
"Very professional and excellent service from start to finish! 3rd mortgage with Tracey!"
Refinance - Trappe, Maryland February 2020
"From the first call to Tracy to the day we closed on our home, it couldn't have been a better experience. We would highly recommend Tracy and her team. They are the best!"
Buying - Oxford, Maryland February 2020
Refinance - Cambridge, Maryland February 2020
"This is not my first experience with Tracy & First Home Mortgage. They are a cut above everyone else, and I would highly recommend them to anyone looking to finance a first home or refinance a current home."
Refinance - Saint Michaels, Maryland February 2020
"Tracy and her team made the transaction smooth and flawless. They communicated the loan status through the entire process ."
Refinance - Cambridge, Maryland March 2020
Buying - Federalsburg, Maryland March 2020
Buying - Easton, Maryland March 2020
"They were just amazing! I could cry because of how amazing they were ! We tried multiple time with other companies to get a loan and never could and FINALLY when we met them we got one and it was smooth sailing! Tracy was great, and our processor Brittney was AMAZING! I highly recommend them!"
Buying - Greensboro, Maryland March 2020
"She was very friendly and very good at her job."
Buying - Easton, Maryland April 2020
"Tracy and her team, Brittany and Carolyn were friendly, attentive, organized and so easy to work with! I felt supported and encouraged the whole time. They made an overwhelming process easy for a first time homebuyer like myself!"
Buying - Wittman, Maryland April 2020
"Tracy and her Team were absolutely the best. They were professional and kind and answered all my questions as I had them. As a first time home buyer this could have been a daunting experience. She made it so very, very easy for me. Plus it went super fast. I am extremely grateful for all her and her team's help during my mortgage journey. Thank you!"
Buying - Odenton, Maryland April 2020
"I have done business with Tracy multiple times over a 20 year period. She is always professional and a pleasure to do business with."
Buying - Sherwood, Maryland April 2020
"It was a wonderful experience."
Buying - Hurlock, Maryland April 2020
"Tracy and the entire team at First Home were very helpful, professional and kept us informed the entire way."
Refinance - Trappe, Maryland April 2020
"Tracy was so helpful, and guided my mortgage application through closing."
Buying - Chester, Maryland May 2020
"I've known Tracy & have used her mortgage services for over 20 years. She is always friendly, very knowledgeable, and is an absolute pleasure to work with. I highly recommend her if you are looking for mortgage services!"
Refinance - Easton, Maryland May 2020
"Fully transparent. Walked us through the process beginning to end. Team was in constant communication daily to insure our program moved along with speed and accuracy. We were very impressed."
Refinance - Easton, Maryland May 2020
"Absolutely excellent!"
Buying - Oxford, Maryland May 2020
"The team at First Home Mortgage was phenomenal! They helped me every step of the way. Tracy was friendly, patient, and very knowledgeable! I'm so happy I had her and her team by my side through the process of buying our first home!"
Buying - Greensboro, Maryland May 2020
"Tracy and her team were great and receptive. Always got back to me when I had questions and made the process go smoothly. Would refer her to friends."
Buying - Easton, Maryland May 2020
"Very helpful made the process extremely easy"
Buying - Preston, Maryland May 2020
"professional, knowledgeable and helpful"
Refinance - Preston, Maryland June 2020
"Top notch service all the way!"
Buying - Saint Michaels, Maryland June 2020
"Highly recommend. Thank you!"
Buying - Easton, Maryland June 2020
Refinance - Easton, Maryland June 2020
Refinance - Denton, Maryland June 2020
"She was very attentive and made sure I understood the process as a first time home buyer."
Buying - Greensboro, Maryland July 2020
"The mortgage process was very easy with First Home Mortgage. Tracy and her staff got everything taken care of quickly and with good communication."
Buying - Easton, Maryland July 2020
"Very helpful. Works to get the job done! "
Refinance - Henderson, Maryland July 2020
"Fast, reliable and helpful."
Refinance - Rehoboth Beach, Delaware July 2020
"Always professional and very efficient. Highly recommend. "
Refinance - Easton, Maryland July 2020
"Tracey provided knowledgeable, and timely advice to me in regards to obtaining my mortgage. "
Buying - Bozman, Maryland July 2020
"Incredibly helpful and knowledgeable. "
Refinance - Easton, Maryland July 2020
"She was pleasant to work with, on time, detailed, organized, and went above and beyond to make it happen."
Refinance - Baltimore, Maryland August 2020
"The greatest we have went through Tracy at least 3 times always makes it so easy I will recommend her to anyone "
Refinance - Greensboro, Maryland August 2020
Refinance - Easton, Maryland August 2020
"From initial contact to closing, First Home Mortgage and especially Tracy Hodges were awesome. Every step of the way they were responsive and professional. In this day and age of online overpromise and underdeliver mortgage companies, it's nice to see a local company with great rates and impeccable customer service...I can't say enough! Thank you First Home & Tracy for helping us purchase our forever home. "
Buying - Centreville, Maryland August 2020
Refinance - Royal Oak, Maryland July 2020
"First Home personnel were the best. They were very helpful during the covid19 restrictions and getting documentation to them from us being out of state. They took the time to explain everything and walk us through the electronic processing. We would recommend them to anyone. "
Buying - Saint Michaels, Maryland August 2020
"Very responsive "
Refinance - Saint Michaels, Maryland August 2020
"very responsive and helpful with needs and questions"
Buying - Easton, Maryland September 2020
"Very friendly and helpful and gives you an immediate response and works quickly. "
Buying - Oxford, Maryland September 2020
"The entire experience was amazing "
Buying - Bozman, Maryland September 2020
"Absolute top notch people. Fast. Accurate. Transparent with entire process. Any and all questions answered even in off hours. "
Buying - Centreville, Maryland September 2020
"Tracy and her staff showed me the best experience with buying my first home. "
Buying - Federalsburg, Maryland September 2020
Refinance - Chestertown, Maryland September 2020
"There were some repetitive requests for previously-provided documents, and the process for verifying employment abroad from long ago was arduous, but it was overall a good experience, and Tracy is the best!"
Buying - Trappe, Maryland May 2021
"Tracy just goes above and beyond! A wonderful person and I would recommend her to everyone."
Buying - Easton, Maryland October 2020
"Very knowledgeable, helpful, and easy to work with. "
Buying - Preston, Maryland October 2020
"Second time with this group, completely satisfied both times. Timely, thorough, will use them again."
Buying - Easton, Maryland October 2020
"They were professional and responsive. Everyone on the team was helpful."
Buying - Annapolis, MD-Maryland October 2020
"Very professional, yet personable and informative."
Refinance - Tilghman, Maryland October 2020
Refinance - Millsboro, Delaware September 2020
"Very easy process....explained every step clearly!"
Refinance - Cordova, Maryland November 2020
"Wonderful experience for refinancing my home. Tracy was informative and guided my decisions, the entire First Home team communicated each step of the process, and all get 5 stars for their professionalism."
Refinance - Cambridge, Maryland November 2020
"Tracy was very personable. She went the extra mile to make sure we got what we needed. Her entire team was super helpful through the entire process. They explained everything we had questions on. I would give them 1000 stars if I could! "
Buying - Easton, Maryland November 2020
Buying - Preston, Maryland December 2020
"I loved working with First Home in Easton! They made everything so smooth and easy. Brittany Wright does an excellent job helping you through the process and responds in a fast manner. "
Refinance - Ridgely, Maryland December 2020
"Tracy and her staff were/are very accommodating, prompt, flexible, and always returned calls in a very timely manner. Very easy access to their portal ! They were wonderful!"
Buying - Easton, Maryland December 2020
"Tracy was very accessible; she was willing and eager to answer our questions quickly. She made a potentially intimidating process very manageable. "
Buying - Bozman, Maryland December 2020
"This is my second mortgage with Tracy and her team. No question in my mind that I would not go for a third if needed."
Buying - Easton, Maryland December 2020
"Tracy was professional, insightful and a pleasure to work with as was all of her support staff"
Refinance - Easton, Maryland December 2020
"Good team. Good communication. "
Refinance - Oxford, Maryland December 2020
"Where there's a will, there's a way! Tracy will find your way & get it done!"
Refinance - Trappe, Maryland December 2020
"Wonderful to work with someone who is insightful, persistent and trustworthy!"
Refinance - Annapolis, Maryland December 2020
"very professional. maintained good communications on status throughout."
Refinance - Trappe, Maryland December 2020
"it was perfect! Tracey and her entire team made what could have been a nightmare an easier process. great help and support!"
Buying - Tilghman, Maryland January 2021
"Very helpful and very professional"
Refinance - Easton, Maryland January 2021
"Everything was really good. Had no problems."
Buying - Federalsburg, Maryland February 2021
"Super group of people. Very personable and helpful!"
Buying - Easton, Maryland February 2021
Refinance - Easton, Maryland February 2021
Refinance - Easton, Maryland March 2021
"Tracy was awsome from start to finish , her assistant Holly was great also . When you are self employed things are a little more complex in the mortgage process . However Tracy and her team worked through everything with ease and professionalism."
Buying - Centreville, Maryland March 2021
"This was the first time I had spoken with Tracy. She was very friendly, professional and knowledgable. She made the re-financing of my mortgage understandable and easy."
Refinance - Easton, Maryland March 2021
"The whole process was very smooth and the whole staff was nice and never hesitated to help me whenever I had questions. So glad I gave them a call."
Refinance - Denton, Maryland March 2021
"Tracy is very knowledgeable and makes the whole process from start to finish stress free. "
Refinance - Chester, Maryland March 2021
"Enjoyed working with Tracy and FHM team. Tracy was very informative when I had questions. She answered all questions and gave explanations that were easy to understand. "
Buying - Church Hill, Maryland March 2021
Refinance - Easton, Maryland April 2021
Buying - Easton, Maryland April 2021
Refinance - Preston, Maryland April 2021
"The Best! "
Refinance - Sherwood, Maryland April 2021
"Tracy and her team were all very efficient and professional!! "
Refinance - Preston, Maryland May 2021
Buying - Cambridge, Maryland June 2021
"Third time working with Tracy. She is very knowledgeable and professional. "
Refinance - Denton, Maryland June 2021
"Never had the chance to me in person"
Buying - Easton, Maryland July 2021
"We were so fortunate as first time home buyers to find First Home. What makes them great is one, they care, two, they're good at their jobs and Tracy has so much help around her, things get done quickly. Tracy made herself available to us personally and spent time on the phone with us answering questions we had. Even when we got down to the underwriting, people were even more responsive, helpful, and there for us to help us get to our closing goal of July 30th. I couldn't imagine there being a better team for your mortgage needs "
Buying - Cambridge, Maryland July 2021
"Our need was to refi our existing mortgage. I approached the mortgage holder but the terms offered.seemed out of line with rates being advertised. I then reached out to Tracy, who had initiated our current mortgage and the service level was immediately escalated to address our requirements. The process was easy to follow, and all of our objectives were met. "
Refinance - Easton, Maryland August 2021
"Professional, and attentive to my calls and emails. Tracy was great!"
Buying - Saint Michaels, Maryland September 2021
"Tracy and her team are awesome."
Refinance - Greensboro, Maryland September 2021
"Perfect "
Refinance - Easton, Maryland September 2021
"Tracy, Carolyn, Brittany and team at First Home Mortgage were amazing. During a crazy market and a stressful time, they were there for us to answer our many questions and help us through the whole process, especially Carolyn who responded promptly to my calls and texts even after hours and on weekends. Thanks to First Home we have shelter!:) I highly recommend them. "
Buying - Cordova, Maryland September 2021
"Extremely professional, competent and customer oriented."
Refinance - Tilghman, Maryland October 2021
"Very good and knowledgeable. "
Buying - Easton, Maryland October 2021
"was very great with helping us refinance our home and very polite and her team that helped her I give everyone a 5star ratings '€¦.I would Recommend this finance company to anyone."
Refinance - Cambridge, Maryland October 2021
"Very helpful and didn't mind that we called her a lot"
Buying - Saint Michaels, Maryland October 2021
"The FHM team was quick, responsive, helpful and took initiative to help from initial inquiry, through application to closing. It could not have been a better experience."
Refinance - Cambridge, Maryland October 2021
"Tracy and the whole team at first home mortgage in Easton were simply wonderful to work with. They made the whole process as painless as possible and provided clear, timely communication throughout the whole process. I would highly recommend them!"
Buying - Ridgely, Maryland October 2021
Buying - Trappe, Maryland November 2021
"Responsive. And very very organized. Helped me stay on track and was a most efficient process. "
Refinance - Centreville, Maryland November 2021
"Tracy was diligent and promptly responded to any questions or concerns. She kept me abreast of what was happening, and explained the process in language I could understand"
Refinance - Easton, Maryland November 2021
"Tracy was great and always available when you needed her."
Buying - Denton, Maryland November 2021
"I've went through them twice now for my mortgage needs. They are very easy to work with. "
Refinance - Preston, Maryland December 2021
"I was referred to Tracy at First Home Mortgage by my real estate agent after being approved by a different mortgage company. The agent expressed concern to my quote relating to my interest rate and high amount of closing costs and said it would be in my best interest to speak to Tracy and her team about what options they could offer. Now mind you we had less than twenty four hours to accept a counter offer by the seller of the house my wife and I really liked. Tracy was not in the office but when hearing of our situation she got us in contact with Brad who immediately jumped on the opportunity to assist us. Last minute, with no appointment, Brad went above and beyond my expectations and had us pre approved for a loan in a matter of a couple of hours with a much lower interest rate and lower closing costs. Brad also explained every step of the process and sent documents explaining in detail what they needed from us and why, which I never received from the other company. It honestly felt like I was being trained for a job. Brad was so thorough and personable; by the end of the day I felt like we were good friends. I was worried and stressed that whole day but by the end of the day Brad had exceeded all of my expectations and made sure we were able to accept the offer on the home we now own. Tracy and her whole team are top notch and I have told everyone I know about my great experience and look forward to the next thirty years with all of them. Thank you for allowing me to share my experience. "
Buying - Preston, Maryland December 2021
"This is the second time I've worked with Tracy. She and her team are helpful, understanding and professional. "
Buying - Easton, Maryland January 2022
"Tracy and her team were very professional and always responded quickly to my inquiries, etc."
Refinance - Saint Michaels, Maryland January 2022
"The way Tracy had our answers to our questions and her overall attitude very friendly. "
Buying - Salisbury, Maryland January 2022
Buying - Cambridge, Maryland February 2022
"our 4th transaction with Tracy. Always quick, efficient and Accurate. "
Buying - Easton, Maryland February 2022
Buying - Rhodesdale, Maryland March 2022
"Tracy was quick & very efficient "
Buying - Secretary, Maryland March 2022
"They were great to work with! I felt confident that our loan was being handled correctly and efficiently."
Buying - Saint Michaels, Maryland April 2022
"Fantastic! She is the best in the business in my opinion. I would not use anybody else!"
Buying - Saint Augustine, Florida May 2022

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