Tracy Rich
Senior Loan Officer
[email protected]
Phone: (336) 899-8498
Mobile: (336) 689-5301
2212 Eastchester Dr | #210
High Point, NC 27265
NMLS 70494
Licensed in: FL, NC, SC, TN, VA
FL LO144394 | NC I-179468 | SC MLO-70494 | TN 70494 | VA MLO-69519VA
As an experienced mortgage loan officer, Tracy has the knowledge and expertise that you need to explore the many financing options available in today’s ever-changing mortgage environment. Her ultimate goal is ensuring that you make the right choice for you and your family. Tracy will work with you throughout the entire mortgage process, guiding you each step of the way and providing you with professional, dependable service with integrity. Whether you are looking to purchase your first home, build your next, refinance your current home, or buy a vacation property, Tracy will guide you through the home loan process and looks forward to discussing the options available to you.
You only think about home financing a few times during your life - we think about it every single day. It's your home and your future. It's our profession and our passion. We're ready to work for your best interest, because at Union Home Mortgage meeting your mortgage needs is not just business, it's personal! We offer low, and no down payment options along with different rate and term structures on Conventional, VA, FHA, NCHFA, New Construction-to-Perm, Jumbo and more.
We understand that it's not just a house, it's your home. Call Tracy today to get started!
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What Customers & Realtors Say About
Tracy Rich
381 five-star reviews
Mark S.
08/14/2026
Very pleased and would recommend UHM in the future
Kyle E.
08/13/2026
Efficient and to the point
Monica P.
08/12/2026
Outstanding! I would recommend this company to others!
Beverly B.
08/10/2026
It was an excellent experience and Tracy Rich was great!
Molly S.
08/10/2026
Tracy is a real advocate! I admit that I was very nervous starting this process because it was my first time ever buying a home and taking out a loan. She not only walked with me and stayed very present every step of the way, but her timeliness and joy in her job helped me to press into more confidence to see everything through. I’m now living in my new home and know I would not be here without the help and support of advocates like her!
Roger B.
08/05/2026
Professional
Stephanie M.
08/05/2026
Tracy was wonderful! She kept us informed every step of the way and went above and beyond to make sure things got done for a smooth and seamless closing.
Michael B.
07/28/2026
Exceptional
Leah L.
07/25/2026
I was very pleased to work with Tracy
Sandra B.
07/21/2026
Tracy Rich went above and beyond expectations. She worked on holidays to get the loan approval for me and explained everything as we went through the process. She was extraordinary to work with.
Keaton K.
07/16/2026
Fantastic. I was very satisfied throughout because of the support offered to me.
Roy S.
07/13/2026
Excellent customer interaction
Karl B.
07/13/2026
It was a great experience. Tracy was great to work with and was on top of everything
Heinz K.
07/11/2026
We enjoy working with Tracy Rich and UHM. The loan process is easy, efficient and quick.
Md Mihadul I.
07/08/2026
It has been very smooth lending process. Tracy has been outstanding in reaching out and helping throughout the process. I am very happy how smooth and easy it was working with Tracy
Jankoba S.
07/06/2026
From the moment I contacted Tracy, she was very responsive, helpful & indescribably generous with her time, knowledge, & any information she had to offer..
Christopher B.
07/02/2026
Wonderful!
Anthony C.
07/01/2026
Easy, professional, timely, knowledgable, stayed on top of things, helpful and website very easy to use and well designed.
Shannon P.
06/26/2026
Superb
Anthony M.
06/26/2026
With past mortgages, it has been stressful. Not with Tracy Rich at UHM. She took all the stress out of it. It was a seamless process amd the fastesf closing we have ever had.
Michael W.
06/26/2026
Excellent company to business with.
Aubrey B.
06/22/2026
Tracy was very caring, patient, and helpful throughout the entire process of my first-time home buyer experience. She was accessible and efficient, helping me to secure my loan and buy a house for my work relocation within the 5-6 week time frame I was allotted. She took the time to explain everything to me, and she is thorough and detailed in her work, making the entire process feel seamless and less overwhelming.
Tammy N.
06/11/2026
Wonderful
Christopher M.
06/04/2026
Tracy Rich was awesome to work with, I will recommend her to anyone!
Cynthia D.
06/04/2026
Union Home Mortgage made a potentially stressful process very simple. They communicated their needs and expectations clearly and there were no surprises in the mortgage loan process.
Jason E.
06/03/2026
It was a great experience. I don't think any other loan company could pull off as quick of a loan as we needed.
Monica S.
06/01/2026
My overall experience was great!
Gabrielle D.
05/30/2026
My overall experience with Union Home Mortgage was great! Tracy Rich was readily available to answer any questions at anytime throughout the purchase process!
India M.
05/27/2026
This is my second time using UHM and Tracy Rich. Her knowledge and experience transfer over to the client. What can be an overwhelming process, Tracy makes it seem effortless!
Jaime C.
05/22/2026
Very easy and pleasant to work with
Krista L.
05/21/2026
Tracy was easy to work with and very responsive on text.
Cathryn R.
05/20/2026
Excellent!
Taylor H.
05/19/2026
I enjoyed every step of my loan experience. Tracy was so nice to work with and was so good at communicating.
Natalie U.
05/18/2026
We had a great experience with UHM. Tracy was a joy to work with!
Cathy B.
05/15/2026
Excellent
Carey F.
05/02/2026
Quick and friendly service.
Michael S.
04/23/2026
Overall the experience was positive.
Chastity H.
04/22/2026
Amazing experience!!! I am a first time home buyer and Tracy Rich was wonderful and explained everything so well!!
Dana C.
04/21/2026
I had a great experience and I would recommend.
Charles A.
04/10/2026
Very good, quick and easy
Forrest B.
04/03/2026
Tracy Rich helped me get pre approved after all the questions I answered.
Samuel B.
04/01/2026
They made it easy to figure out even though I had never gone through this process before
Michael G.
03/31/2026
Tracey makes the complicated process so easy and straightforward. Over my 40+ years of home ownership, I've dealt with more than a few mortgage companies. Tracey is the reason I stay with UHM.
Shelli P.
03/29/2026
Good
Walter D.
03/24/2026
Great!
Claudia L.
03/16/2026
My experience with UHM was smooth from the start which was much appreciated when approaching the home buying process for the first time with little knowledge of what to expect. Communication was excellent throughout the process and I never felt hesitant to reach out.
Nathan H.
03/11/2026
Painless, seamless, and convenient.
Scott E.
03/09/2026
amazing experience. i didn't have to do anything. Tracy Rich did it all for me.
James D.
03/09/2026
Easy to work with
Joshua M.
03/07/2026
Friendly, thoughtful and always available.
Joseph G.
03/04/2026
Pleasant
Kristin E.
03/04/2026
My experience was fantastic. Tracy did a wonderful job communicating and making everything so easy for us. Closing was a breeze. I will always use them for when I need them.
Martin O.
03/03/2026
An easy and comfortable way to be able to secure a mortgage, which can feel like a daunting ordeal. Id recommend them to anyone. Thank you Tracy!!
Matthew W.
02/26/2026
UHM was a pleasant experience when buying my first home. Every step of the way I felt lucky having Tracy Rich in my corner to help guide me through the process. Tracy made each step clear and didn’t hesitate to reach out or answer any questions I had about purchasing my home.
Tammy J.
02/25/2026
Tracy Rich was so helpful, pleasant , and thorough.
Jeffrey N.
02/20/2026
I was extremely pleased.
William B.
02/20/2026
Great overall experience. Made our relocation all that much easier
Alexis W.
02/18/2026
Union Home Mortgage was absolutely amazing throughout my entire home buying process. From start to finish, everything was handled with professionalism, efficiency, and care. Tracy Rich was especially incredible to work with. She was knowledgeable, patient, and always available to answer my questions — no matter how big or small. She made sure I fully understood each step and helped ease any stress along the way. I truly felt supported the entire time. I’m so grateful for the experience and highly recommend Union Home Mortgage and Tracy Rich to anyone looking for a smooth, well-guided home financing process!
Russell P.
02/17/2026
Wonderful, great service. Very transparent through entire process.
Vicki L.
02/10/2026
Tracy was kind, thorough, and informative. She was always quick to answer questions and gather the information needed. UMH made the underwriting process easy.
Jonathan K.
02/08/2026
Kathleen D.
02/04/2026
Perfect
Nicolas P.
01/29/2026
My experience with UHM was great, specifically working with Tracy!
Shaunita F.
01/21/2026
Amazing, friendly, professional experience
John V.
01/20/2026
Great service and experience
Gustavo L.
01/05/2026
Raymond C.
01/04/2026
Tracy I give you ten
Debra F.
01/02/2026
Tracy was amazing, and very kind, professional and very knowledgeable. The process was not stressful and everything went smoothly. I would highly recommend UHM. Thanks to UHM I am now a Homeowner.
Diane G.
12/16/2025
Sandeep A.
12/09/2025
Very nice
Marsha A.
12/04/2025
Paul N.
12/04/2025
Meghan A.
12/04/2025
Michael G.
12/02/2025
Taylor T.
11/30/2025
UHM has always been our choice for mortgage lending. Tracy Rich was super helpful, quick, efficient, and made the home buying process so much easier!
Emily S.
11/29/2025
Martin O.
11/25/2025
James B.
11/25/2025
Great Experience, Quick Responses, and knowledgeable
Billy C.
11/23/2025
Just amazing! I’m very thankful for UHM. They made my dream come true! Thanks UHM
Michael B.
11/18/2025
Luke W.
11/18/2025
Excellent! Very grateful for the ease of the experience.
Jo D.
11/10/2025
Cassandra W.
11/05/2025
Very good..
Katherine H.
11/03/2025
Janet V.
11/01/2025
Jonathan B.
11/01/2025
Tracy helped me throughout the whole process and explained everything to me ahead of time. There were no surprises and everything on schedule.
John N.
10/31/2025
The best experience imaginable.
Linda S.
10/28/2025
Tracy and her team made the process so quick and easy.
William S.
10/23/2025
Jayce M.
10/18/2025
Miriam A.
10/17/2025
Very good
Edo M.
10/16/2025
Tracy was a pleasure to work with. She was very organized and prompt with letting us know what was needed. Would highly recommend working with her!
Sharrice O.
10/14/2025
Gretchen G.
10/14/2025
Vonnie M.
10/13/2025
Jonathan A.
10/08/2025
Overall UHM seems like a good mortgage company for folks that need to buy houses and close on a loan quickly, while not getting the best rate possible.
Candace G.
10/07/2025
Tracy my lender was so extremely helpful and patient with me because I needed help understanding things. She made the entire process more coherent and easy and was ALWAYS available to me for whatever questions I had.
Craig M.
10/06/2025
Nathan M.
10/02/2025
Amazing and simple!
Cindy G.
09/30/2025
It was great. Tracy was fantastic.
James P.
09/29/2025
It was an amazing experience and the polar opposite of what we experienced with another lender. The speed, communication and professionalism was without a doubt the best I’ve experienced. I will highly recommend UHM to anyone looking to buy a home in the future. Again, Tracy Rich is fantastic and we appreciate her efforts more than words can express.
Shane S.
09/26/2025
Hugh W.
09/26/2025
Lisa P.
09/26/2025
Brian S.
09/23/2025
It was the easiest part of buying a house!
Frank L.
09/22/2025
It was simple start to finish.
Peyton G.
09/15/2025
My overall experience was phenomenal and I’m so happy I used UHM.
Gustavo L.
09/13/2025
It was really good experience
Adam D.
09/11/2025
Gretchen G.
09/09/2025
Jonathan F.
09/09/2025
The overall experience was great because Tracy did a good job taking care of us. We would definitely refer her as well as your company because of the great job that she did.
Charles S.
09/08/2025
Jonathan R.
09/04/2025
Martha B.
09/03/2025
Jamie was the absolute best, she had an answer for all of my questions. Jamie will help you figure it all out! If you run in to any issues she will work it for you, and help you get what you need! If I had to do it again I will choose Jamie.
Karen B.
09/03/2025
It was great, Tracy's is one of the best!! She made it easy.
Michael W.
08/28/2025
Tiffany B.
08/26/2025
Tracy Rich was very knowledgeable and a hard worker she exceeded my expectations In the home buying process.
William K.
08/23/2025
Joseph R.
08/20/2025
I have throughly enjoyed my time working with UHM and have continued to be impressed after closing on my house. The way everything was handled during the process made it easier and less stressful for me in my first home purchase.
Sara Y.
08/15/2025
Very pleased and will refer to a friend if needed
John M.
08/01/2025
Anthony S.
07/28/2025
Great communication and very friendly.
Dustin D.
07/27/2025
This was my first home loan experience in 25 years, and UHM made it feel effortless. Their team was professional, fast, and easy to communicate with the entire time. I give them a 10 out of 10 and would absolutely recommend them to anyone looking for a lender they can count on.
Ralph C.
07/27/2025
Great
Hektor H.
07/26/2025
Dana M.
07/23/2025
John V.
07/18/2025
Robert H.
07/18/2025
Gilven R.
07/14/2025
Spencer W.
07/11/2025
John G.
07/07/2025
Kathryn W.
07/04/2025
Great!
Ellen F.
07/03/2025
Vladimir B.
07/01/2025
I can’t say enough good things about my experience with this mortgage company! From start to finish, they were nothing short of amazing. Our loan officer worked absolute magic—she helped us close and finalize our home loan in less than 4 weeks! That kind of turnaround is practically unheard of, and it made all the difference for us. She was professional, responsive, and genuinely cared about helping us get into our new home as quickly and smoothly as possible. Every question we had was answered, every concern addressed, and every step made easy thanks to her dedication and expertise. If you’re looking for a team that knows what they’re doing and will go above and beyond for you—this is the place. We are beyond grateful and highly recommend them to anyone in need of a fast, stress-free, and successful home buying experience.
Joseph G.
06/30/2025
Elizabeth W.
06/30/2025
When I clicked on Tracy Rich’s contact. It was the best decision I could have made. . When I saw her picture I could see honesty and integrity . I felt I could trust her. Tracy was incredible. She listened to me and gave me good advice UHM followed through exactly like Tracy I’m very impressed.
Joseph B.
06/27/2025
Efficient, detailed, and pleasant.
Amanda L.
06/17/2025
It was great! Very quick and easy process
Jesse Crosby M.
06/14/2025
Jack O.
06/11/2025
Eduardo M.
06/11/2025
Staci B.
06/05/2025
William A.
05/29/2025
Excellent experience. Professional, efficient, accurate..
Richard L.
05/29/2025
Dechala P.
05/27/2025
Tracy Rich did an excellent job.
Shelbie W.
05/23/2025
We had an excellent experience with Tracy Rich and Union Home mortgage. We are so grateful for the time all parties spent getting us into our first home. We will certainly recommend union home mortgage to any friends or family looking for a loan servicer.!
Teresita R.
05/22/2025
James C.
05/20/2025
Over all my loan specialist would be available any time day or night if I had a question or concern about something and that means a lot to some people. Very satisfied with the company and people !
Jason U.
05/20/2025
Kenneth K.
05/16/2025
My experience was superb. I was treated professionally , courteously, and with respect.
Stacy W.
05/09/2025
Wonderful experience!!
Robert L.
05/06/2025
Muranda T.
05/05/2025
Excellent
Sandra C.
05/05/2025
Alina H.
04/25/2025
Lori M.
04/21/2025
I was very impressed. The process was easy and Tracy let us know exactly what to do at every stage.
Doris B.
04/16/2025
Darrell G.
04/15/2025
Danielle M.
04/13/2025
Good experience!
Casey C.
04/12/2025
I felt that my officer was easily accessible if neeeded and overall I had a pleasant experience as a first time home buyer.
Elizabeth D.
04/10/2025
Our experience with Tracy was as close to perfect as we could hope for. She answered our questions promptly and helped us when needed. She was on top of our loan and we had absolutely no hiccups. We are very happy and appreciative of all Tracy did. Thanks so much!
Coy L.
04/10/2025
John N.
04/08/2025
Seamless, professional, responsive.
Lisa G.
04/08/2025
Gidget S.
04/07/2025
Keichelle J.
03/31/2025
I am very pleased with the experience I had.
Kaitlyn G.
03/28/2025
Azher M.
03/21/2025
I like to work with you guys . In my loan application is so quick and fast . Thanks for Tracy she help me out in all loan process.
Ashley L.
03/14/2025
Brenda D.
03/09/2025
1) My contact response times were always spot on w Tracey, even after hours via text and phone. 2) I feel I was dealt with as a person rather than a number. 3)All my questions were always answered no matter how large or small. Also, great communication via mail by UHM keeping me informed.
Matthew K.
02/27/2025
It was a great experience, Tracy rich helped make it a lot less stressful for us. She was great!
Bryan M.
02/27/2025
John V.
02/27/2025
Tyler W.
02/25/2025
Fantastic!
Christie N.
02/14/2025
John B.
02/11/2025
Tracy was an amazing person to work with super nice and friendly and made my first time home buying a great experience
Russell P.
02/11/2025
Michael W.
02/11/2025
Vladislav S.
02/04/2025
Very professional, fast, organized
Seth C.
02/02/2025
Amazing experience 10 out of 10 recommend y’all made it super simple for me and if there ever was a question it was answered immediately
Gloria J.
01/29/2025
Brenda J.
01/24/2025
Olesia D.
01/15/2025
Tracy was amazing, great experience overall!
Sreenivas N.
01/12/2025
Sara P.
01/09/2025
Great, smooth experience would certainly recommend to family and friends looking to purchase a home!
Amelia C.
01/07/2025
Carmela T.
01/03/2025
Kathlein Mae B.
01/02/2025
It was a fast and excellent experience for a new home owner
Kim T.
01/02/2025
Sandra B..
Awesome experience, and I absolutely love Tracy Rich. She made it super easy and responded to every question I had so quickly. I have already recommended others to her as well!
Kathy A..
Tracy was awesome in every aspect of the process. She was quick in her responses, very knowledgeable and friendly. The whole process was flawless.
Verena R..
As always, Tracy Rich was a joy to work with. Tracy is very professional and walks you through the process every step of the way. This is the third time we've called on her to either finance a new home or refi an existing mortgage, and each time she made it a pleasure to do business with.
Brittany S..
Being a first-time home buyer, we were very well taken care of. The dedication and quick responses were appreciated. I enjoyed the experience.
Nicholas W. .
Speed of service was great! I couldn’t ask for more.
Lauren C..
Tracy was very communicative and made the process seamless and stress free.
Suzanna S. .
Tracy was easy to work with, didn’t mind answering questions and was very pleasant.
Amanda H. .
Very informative, quick in responding. Made the process very easy.
Katherine B..
Tracy was extremely helpful. [She] always answered my questions.
Jeni B..
Tracy was excellent to work with and very professional.
Samantha M..