TSF Consulting U

06/10/2025

This is VERY common, do not think you are alone, and please lets talk.

🌟 CLIENT SUCCESS STORY 🌟
💳 $30K in credit card debt ➡️ New path to freedom!
My amazing clients were feeling stuck — $30K+ in credit card debt. 😞
They were only making minimum payments of $820/mo — and on that path, it would have taken them 20+ years and over $53K in interest to pay it off.
But they reached out — because they knew I would offer help, not judgment. 💛
✨ The Solution:
We used a Home Equity Loan (2nd mortgage), fixed for 20 years
➡️ New payment: $421.67/mo @ 9.575%
➡️ They now save $399/mo in cash flow!
They’re using their old $820/mo payment to pay off the new loan faster.
Result: Debt free in just 7 years, saving over $41K in interest! 🎉
👉 If they had stayed on the old plan:
❌ 20+ years
❌ $53K+ in interest
❌ $820/mo stuck in minimum payments
✅ New plan:
✔️ Paid off in 7 years
✔️ Save $41K
✔️ Cash flow relief NOW
If this sounds like your situation, don’t stay stuck.
Reach out — I’d love to chat, explore options, and create a plan for YOU. 💬✨

04/24/2025

It is possible to purchase a home with only the down payment and not use a down payment assistance program. I can explain how, reach out and ask how.

✨ New Home, New Chapter! 🏡💫 and a picture of my client receiving her keys.

I’m so excited to share the story of a truly special client who just closed on her very own manufactured home in a park on owned land—and the journey was nothing short of amazing! 🙌
She was referred to me by a fellow Realtor I had the pleasure of working with just a month prior to this one. When this new client came to me on March 8th, she had a clear vision: she knew exactly how much she had saved for a down payment and what monthly payment she was comfortable with—no more, no less. 💰🧠
We got her pre-approved quickly, and her incredible Realtor wasted no time negotiating an amazing deal after discussing a strategy with me to help make this all work. And guess what? Within 10 days of her being preapproved she wrote her first FHA offer and it was ACCEPTED! 🎉
💥 Here’s how we made it happen:
✔️ FHA loan with just 3.5% down
✔️ Seller credit of $5,000 to cover costs
✔️ Took a slightly higher rate to cover more closing costs
✔️ NO down payment assistance program needed, due to her Realtor and Lenders Strategy—just her savings
✔️ Stayed within her monthly budget
✔️ Held strong on our 30-day timeline (and could’ve closed early!)
Even with the sellers out of town, between their listing agent who truly was amazing, the buyers agent, title company, and myself, we stood firm and kept everything moving smoothly. Today, our client is overjoyed—not just because she bought a home, but because she did it on her terms. She and her partner now can start their next chapter of homeownership together.
👉 If you’re dreaming of homeownership but worried about the “how,” just know—it’s possible.
With the right team, the right strategy, and a little creativity, you can do this too. 💪🏽🏡
Let’s make your homeownership dream a reality. Who’s next? 🙋‍♀️🙋‍♂️

04/24/2025

There are always hard deals out there, or hard situations but figuring out a way to get it done its so rewarding.

✨ JUST CLOSED! ✨

This one tested every skill I’ve developed in my career — and I’m proud to say we got it DONE.
This was the most complex transaction I’ve ever worked on:
🏡 An investment property with a 1031 Exchange
🏠 A dome home, yes an underground berm home + 2 ADUs
🚪 Both ADUs were tenant-occupied
⚠️ One ADU wasn’t even permitted
⏳ It didn’t close as quickly as anyone hoped
But what mattered most? Teamwork, persistence, and belief. I don’t give up on my clients – ever.
It closed because of the trust between agents, the dedication I bring to every client, and an unwavering commitment to getting the deal done — no matter how tough.
If you’re looking for a loan officer who doesn’t back down from a challenge, fights for your deal like it’s their own then reach out to me — Tracy Ferris I do have a 100% closing ratio for a reason. Let’s make your next real estate move a success, no matter how complex, but I am 100% okay with the easy ones too😉.
Cheers to pushing through and getting it CLOSED! 🥂

12/06/2024

💸 Tip to Save BIG on Groceries! 🛒

Groceries are essential, but how we shop for them is where the magic happens! I personally shop between 4 stores: Raley's/Belair, WinCo, Costco, and Safeway to maximize savings. Here's how I do it:

1️⃣ Make a running list – Always know what you need before you hit the store! 2️⃣ Check flyers & apps – I check the weekly ads, coupons, and apps on Mondays & Fridays to catch amazing deals like $5 Mondays at Raley’s/Belair and $5 Fridays at Safeway! 3️⃣ Use store apps & clip coupons – Raley's/Belair has Member Deals & Safeway has For U Deals. These apps help you save WAY more than just having a membership. 4️⃣ Price compare – Make sure to compare prices at ALL stores to ensure you’re getting the best deal. 5️⃣ Bulk-buy & stock up – If something’s on sale, stock up! It saves in the long run. 6️⃣ Avoid Instacart – It’s more expensive than shopping in-store, so skip it!

Save smart, shop savvy! 💡💰

11/25/2024

🚨 Attention Realtors! 🚨

Got a manufactured home in a park for sale but turning down clients because they don’t have a Social Security Number, only an ITIN? 😓

Fear no more! 🙌 Tracy Ferris is here to help! 🏡✨

I specialize in working with clients who have an ITIN and can guide you and your clients to make their dream home a reality! ✅

Let’s get those deals done! Call Tracy Ferris today and let’s make homeownership possible for everyone! 📲

09/26/2024

Okay today is not Taco Tuesday is Thirsty Thursday and and are playing, but you might want to listen to this as its another way to save money.

09/05/2024

Realtors and Loan Officers
Do not get paid until the house is sold/bought or the refinance is done.

09/03/2024

08/28/2024

💸 Struggling with your money habits? 📉 Don’t get overwhelmed by all the “rules” out there! You don’t have to save 15% of your income or follow the 50/30/20 rule right away. If you’re living paycheck to paycheck, start small! 🚀✨

💡 Try setting aside just 1% of your income for retirement and gradually increase it by 1% every few months. Every bit counts and adds up over time! 🙌

Remember, it’s not about being perfect—it's about making progress. Start where you are and build from there. You’ve got this! 💪💰

08/23/2024

This program is BLOWING 🤯 my mind it only works in certain areas but still pretty amazing . We had a client in NAPA that used this program to purchase her $925K house.

Reach out I will give you details

08/22/2024

Just ask me if your address qualifies, this program is AMAZING.

*Primary Property Only
*95% Loan to Value so for purchases this means 5% down
*620 credit scores
*No Income Limits
*Purchase/Refinance
*Condo/Single Family Residence/1-4Units