At The Schmidt Team powered by Barrett Financial, we believe getting a mortgage shouldn't be overwhelming. Whether you're buying your first home, using your VA benefits, refinancing, or relocating to San Diego, we're here to guide you through every step with expert advice, clear communication, and loan options tailored to your goals.
TRACIE
SCHMIDT
NMLS#269424
Meet Tracie Schmidt
Making Mortgages Easy.
Buying a home is one of the biggest financial decisions you'll ever make—and I believe it should be an exciting experience, not an overwhelming one.
For more than 20 years, I've had the privilege of helping individuals, families, veterans, and first-time homebuyers achieve the dream of homeownership. Throughout my career, one thing has remained constant: my commitment to making the mortgage process simple, transparent, and stress-free.
I founded The Schmidt Team because I wanted to create a client experience built on trust, education, and long-term relationships. My goal has never been to simply close loans—it's to become the mortgage advisor my clients can rely on for years to come.
Today, The Schmidt Team is proudly powered by Barrett Financial Group, giving me access to a wide variety of loan programs, competitive financing solutions, and the flexibility to help clients in many different situations. Whether you're purchasing your first home, using your VA benefits, refinancing, relocating to San Diego, or investing in real estate, I'm committed to finding the solution that best fits your goals.
I believe communication is everything. You'll always know where your loan stands, understand your options, and have someone available to answer your questions every step of the way.
For me, success isn't measured by the number of loans I close—it's measured by the relationships I build and the trust my clients place in me long after they've received the keys to their new home.
"I believe buying a home should be one of the most exciting moments of your life—not one of the most stressful. That's why my mission has always been simple: Making Mortgages Easy." — Tracie Schmidt
There are plenty of people who can help you get a mortgage. My goal is to be the person you trust to help you make the right financial decision.
When you work with The Schmidt Team, you can expect:
✔ Honest advice without pressure
✔ Clear communication from start to finish
✔ Education that empowers you to make confident decisions
✔ Personalized mortgage strategies designed around your goals
✔ A smooth, organized process with no surprises
✔ A relationship that continues long after closing day
WHY CLIENTS CHOOSE THE SCHMIDT TEAM
🏡 Over 20 Years of Mortgage Experience
🇺🇸 VA Home Loan Specialist
🏠 First-Time Homebuyer Expert
📍 Local San Diego Market Knowledge
💼 Licensed in California, Washington & Florida
⭐ Award-Winning Mortgage Professional
🤝 Education-First Approach
❤️ Relationships That Last Beyond Closing
BEYOND MORTGAGES
When I'm not helping clients achieve homeownership, you'll usually find me enjoying everything San Diego has to offer—from supporting local restaurants and businesses to spending time at the beach, staying active at the gym, or hosting backyard barbecues with family and friends.
I also enjoy creating educational videos, speaking at real estate events, and partnering with local Realtors to help make homeownership more accessible for our community.
Helping people build wealth through real estate isn't just my career—it's something I'm genuinely passionate about.
LET'S MAKE YOUR NEXT MOVE A SUCCESS
Whether you're purchasing your first home, refinancing your current mortgage, using your VA benefits, or simply exploring your options, I'd love the opportunity to help.
Let's build a strategy that's right for you and make your next move as smooth and stress-free as possible.
Ready to get started?
Schedule Your Home Buying Consultation today and experience what it's like to work with The Schmidt Team.
AWARDS
OUR
REVIEWS
The Schmidt Team delivers a world-class customer experience and has the reviews to prove it. Check out why our customers think we are the top mortgage lender for San Diego, California and online.
AS SEEN IN
Tracie Schmidt is proud to have been featured by local and nationwide media, establishing her team as a top producing branch of mortgage loans, both online and across California. For example Tracie and team have been featured in Forbes, Yahoo Finance, Mortgage Professional America Magazine, Influencive, Digital Journal, San Diego Magazine and on ESPN radio.
MEMBER OF
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TEAM
Tracie Schmidt with The Schmidt Team powered by Barrett Financial Group in San Diego, CA is here to help with all of your home buying, home selling and refinance needs. Please don't hesitate to reach out to one of the Schmidt Team members to find out about our competitive interest rates and wide variety of home loan programs for consumers are.
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Tracie Schmidt
NMLS #269424
THE SCHMIDT TEAM Powered by Barrett Financial