Tracey was very friendly, professional and worked hard to make sure our needs were met.
 

George M. - North Carolina
 

Tracey was phenomenal!!! I have never had anyone to be so thorough with a refinance. Tracey went above and beyond to get this done and she along with a few made it happen. I appreciate everyone's help at Reliance First Capital but Tracey was the star of the show!!! Even when Tracey had to have surgery, she left me in good hands with Carolyn. Thank you Thank you Thank you!!!
 

Steven B. - South Carolina
 

Tracey was very helpful in all areas of refinance, HELOC information, and its pluses and minuses, so I could make an educated selection to my needs. She provided many examples to all pros and cons so I could make my selection. As for my perspective, I saw a professional, knowledgeable, dedicated person that not only outlined all my options but made sure it was what suited my needs. I am not aware of anyone that needs your company's services at the moment, but I certainly will refer you at once.
 

Domenick C. - South Carolina
 

Tracey did a great job on the whole procedure of this loan and I would recommend her to anybody.
 

Verlon R. - South Carolina
 

In April 2025, I was online looking to begin the refinance process through Lending Tree. I did receive a number of calls right away, but one person in particular, Tracey from Reliance First Capital, 1) called 2) texted and 3) e-mailed and basically put herself to the front of the line and I related to her right away because I'm quite persistent myself (something that would prove to be very valuable in this process). Tracey immediately felt very comfortable to talk with, she explained the process well and we began gathering documents and starting the journey. My previous mortgage was through the USDA and they became the most unbelievable source of contention. As Tracey said, 'government should not be in business'. A refinance can get pretty detailed, laborious and time consuming, but at no point would I admit defeat, through all the hoops and delays, through a government shutdown, through a job loss, through two appraisals with corresponding repairs, through improving my credit score, and the loooooonnnggg wait for the USDA to do pretty much anything and waiting for their customer service department to answer their phone (hold times could be anywhere from 10 to 90 minutes or more), but we pressed on. We were on the verge of closing several times, but then something would cause the bottom would drop out. Tracey became my best cheerleader throughout the entire process, as well as a friend. She had much to deal with in her life, including personal health trials, that anyone from the outside looking in would not believe her stamina and her drive to help me (and I'm sure many others) out. At some point we saw the light ... you know, the one that you never thought would come. I hopped on it, she jumped on it and we almost didn't make it this last time, but it finally happened. Happy happy joy joy!! The closing occurred in the last week of January 2026. I became just as much of the process in dealing with the USDA, and I wasn't about to let them bury me. Noooo way! Today, I am in so much a better financial position than I ever could have dreamed of. The right mortgage (also rolled in my car loan and HELOC), and some cash. I was able to help family members out, I now have an emergency fund and peace of mind. Tracey kept me informed every step of the way. She knows her job and could do it blindfolded, but the important difference was, it never felt mechanical. She truly cares about people. I wanted to also give a special shout-out to Anzhela, the behind the scenes mortgage processor that was a true professional with patience (I think, however, all three of us wanted to shake our fists at the USDA, but we prevailed and won.) If you ever become involved with Reliance First Capital, know that you will be cared for by a group of amazing professionals that get up and do their job every single day. They take pride in their work, and they do it well. I'm sending them two dozen of my *world famous* bacon cherry chocolate caramel cookies in thanks, because I will be eternally grateful for what they did. They are my refinance people for life. Even when interest rates go down, they'll be popping back up and getting this done again to help save me some money. Thank you to everyone there; you guys are the best!!! Anzhela was at the same level of excellent service as my mortgage analyst Tracey! Just like me, they forged on and never gave up, even through trials with the USDA. They were professional, tenacious, accurate and prompt.
 

Elizabeth S. - Indiana
 

Everything with my entire loan process was exceptional. Tracy reached out to us about refinancing and just to touch base on our loan and we didn't have any idea of refinancing this year and she gave us a bigger picture and a way to save some money and pay off some extra bills. She's amazing. This is the 2nd refinance I have done with Tracey and every time she goes above and beyond to make sure everything goes smoothly with our loan process. Her professionalism and expertise helped the entire process to go smoothly and she answered all our questions and she returned calls back immediately and made sure we were updated on the entire process of the loan. She is great and I recommend her over and over again.
 

Shamica B. - Virginia
 

Tracey knows her job really well and took us step by step with any concerns or questions that we had. She worked after hours and on the weekends. If there were any questions we had if she didn't know the answer she'd find out and get back with us. She felt like family.
 

Sharon G. - North Carolina
 

Tracey has gone above and beyond in this entire process. I would gladly recommend her with complete confidence in her honesty, professionalism, and ability to handle any home loan. Plus, she is fun to talk to and has the patience of a saint.
 

Mitzi H. - North Carolina
 

Tracey was the absolute best! Cannot say enough nice things about her and the process she guided us through.
 

Sara G. - North Carolina
 

I wanted to thank Tracy for her honesty and professionalism during our interaction with my application for mortgage refinancing. I found her to be very personable and knowledgeable and would recommend her highly to work with for any situation!
 

Paul R. - Massachusetts
 

Tracy went above and beyond to make the process seamless. Everything went great.
 

Shannon C. - North Carolina
 

Tracey Schuelke provided us outstanding service and was very timely in meeting our needs. We'll remain in contact with her to provide services in the future. Made sure we learned vs high pitch sales efforts. She rocks!
 

Anthony C. - South Carolina
 

Tracey was great even when I considered not continuing the process.
 

Titilayo L. - Indiana
 

Tracey Schuelke: exceptional service and forthright with all information and exceedingly helpful. Everything was great. No suggestions.
 

Ellen H. - Louisiana
 

Tracey was exceptional. She worked hard to come up with a plan that allowed us to rid ourselves of significant credit card debt while combining my remaining mortgage w/HELOC that had risen to an unbearable 8%. We used our home equity to our advantage and plan to pay off in
 

Jeffrey F. - North Carolina
 

The customer experience was absolutely fantastic from start to finish! Tracey was hands down THE best mortgage analyst I could have ever wished to work with. Her knowledge of helping me find the best loan option that worked for my specific refinancing needs shows that she goes above and beyond taking care of a customer, all while being courteous, respectful, and very knowledgeable. She kept me updated every step of the way, and even reached out to make sure I was satisfied after the closing took place. Thank you very much Tracey, you are truly one of a kind!
 

David N. - Pennsylvania
 

Tracey was amazing with the refinance of our home! She made herself available at all times! She went above and beyond helping walk us through the entire process! I couldn't have asked for anyone more qualified or personable to work with! I would highly recommend Reliance First Capital and Tracey!
 

Cindy P. - South Carolina
 

My loan officer was Tracy throughout the entire process and has knowledge about the entire process regardless on whatever question I asked. She helped us tremendously to improve our financial situation with our mortgage refinance.
 

Shamica B. - Virginia
 

All was good, it went very smooth.
 

Ronald K. - North Carolina
 

I would just like to thank you all for the work you did for me. I think you all did great.
 

John c. - North Carolina
 

My Mortgage Analyst Tracey was awesome every step of the way. I appreciate her taking the time out to explain the various options and show me how I could finally take better control of my finances and save some cash. Exceptional service indeed! :) Thank you all for providing such a wonderful experience. While there were many options knocking at my door all promising the world, Tracey and the team was able to keep me focused, and actually delivered ahead of any expedited timeframe I could've imagined. Keep up the great work! Thanks! Tracey was amazing to work with. She thoroughly explained my options and did not push me into a product that I didn't want. Reliance was a great company to work with because of the attention to detail, speed, and customer service. We were able to go from application to close on a cash-out refi within 30 days with a competitive rate.
 

Kristopher F. - North Carolina
 

Tracey kept her word, very pleasant to work with - I will miss her!!
 

Jamie P. - South Carolina
 

Tracey has called and emailed me multiple times! And she did a great job. Tracey has been very helpful, fun to talk to, and at times professional. Allison and I really appreciate her working as hard as she did on our mortgage. You have a great team member working for you.
 

Allison S. - North Carolina