Elissagaray Tracy Community

Name: Elissagaray Tracy Community
Address: Eastlake Circle, Tracy, CA, 95304, US
Telephone: (925) 453-6702
Price range: $$

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United States
Tracy, CA
Elissagaray Tracy Community

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Representing the Elissagaray Ranch/Hidden Lake community; including hyper-local real estate info. From events to collaboration, a place to share info.

Created by David D'Onofrio, a local Senior Loan Officer at CCM, with Danielle Ramos, Loan Officer at CCM, this page is for members of the Elissagaray Tracy Community to share information, engage in conversation, and receive real estate market updates. CrossCountry Mortgage, LLC does business in the State of New York as CrossCountry Financing. Licensed Mortgage Banker – NYS Department of Financial Services. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans are subject to underwriting approval. Certain restrictions apply. Call for details. Certificate of Eligibility required for VA loans. NMLS3029 (nmlsconsumeraccess.org). Georgia Residential Mortgage Licensee. Illinois Residential Mortgage Licensee. Mississippi Licensed Mortgage Company. Licensed by the New Hampshire Banking Department. Licensed by the Virginia State Corporation Commission. Main Office Licensed as a Mortgage Banker with the Arizona Dept. of Financial Institutions No. 0919020 Licensed by the Dept. of Financial Protection and Innovation under the California Residential Mortgage Lending Act. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT BEFORE THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV Equal Housing Opportunity. © Licensed in AR, AZ, CA, CO, FL, GA, HI, ID, IL, IN, LA, MI, MN, MO, MS, MT, NE, NC, NH, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, VA

10/31/2026

Spent some time today with my friend Salil at his great new listing in Livermore!
🏡 1314 Daisy Ln, Springtown neighborhood
• 3 bed, 2 bath, 1,665 sq ft
• Solar panels, owned and fully paid off
• Hot spa right outside the primary bedroom
• Lots of upgrades throughout
Details about the home http://spr.ly/6180BHqwR0

Here’s what we’re seeing right now. Rates are up and a lot of buyers are waiting on the sidelines.
Here’s the thing. Salil’s seller is open to incentives with the right offer, and those incentives can help lower your monthly payment. So don’t just think about where rates are. Think about what’s available to help you buy.

Open house this Saturday and Sunday, 1 to 4 PM. Come on by!

For details on the home, reach out to Salil. For financing, reach out to me. Let’s run your numbers.
Dave D’Onofrio
CrossCountry Mortgage | NMLS #254023
[email protected]

10/30/2026

From caring for aging parents to creating space for extended family, multi-generational homes continue to serve an important purpose. We can help these buyers secure financing that fits the whole family.

10/29/2026

Big plans? Unexpected expenses? A CCM Signature Agency Cash Access refinance can help you access up to 90% combined loan-to-value, providing more available funds than a conventional cash-out refinance. See what may be possible: http://spr.ly/6182BHjyXw

10/27/2026

Own your home and your timeline. We'll help you buy when you’re ready — even if your current home isn’t. Get the Buy Now, Sell Later basic: http://spr.ly/6189BHr4w1

10/26/2026

🏡 **Waiting for mortgage rates to drop before buying a home? What if I told you there’s a better strategy?**

Here's something most buyers don't realize...

**You're not buying an interest rate. You're buying a home with a monthly payment you can afford.**

And right now, some sellers are willing to help you get there.

💰 **It's called a SELLER CREDIT.**

Instead of lowering their asking price, sellers may offer money toward your closing costs or to buy down your mortgage rate.

✅ Same home.
✅ Lower monthly payment.
✅ Better buying opportunity.

**Here's where buyers get it wrong.**

They keep asking, "What's today's interest rate?"

When the better question is, **"How can I get the monthly payment I want?"**

That's where I come in.

We start with the payment you're comfortable with and work backward to build a financing strategy that makes sense for you.

Because while you're waiting for rates to drop, you could be missing out on a home you love—and seller incentives that may not be available later.

**Don't just wait for the market to change. Learn how to make today's market work for YOU.**

📲 **DM me "PAYMENT" and let's run the numbers.**

Let's get you from **SCROLLING to SOLD!** 🔑

David D'Onofrio | Originating Branch Manager
CrossCountry Mortgage | NMLS #254023
Cell 510-599-6227

*Seller credits, interest rate buydowns, and loan eligibility are subject to program guidelines and individual qualifications. Not all sellers offer concessions.*

10/26/2026

Passion brings life to every day.

10/24/2026

The best spot to watch the leaves fall? The comfort of your own front porch.

10/23/2026

When buyers get cold feet, the right conversation can bring clarity and confidence. September’s 7.3% drop in pending home sales shows why thoughtful guidance matters. Let’s connect and help your clients move from hesitation to an informed next step.

10/22/2026

Your income may not look like everyone else's, and that's okay. We offer financing options designed for self-employed borrowers, independent contractors and business owners. Learn more: http://spr.ly/6186BGX776

10/21/2026

There’s no right age to buy a home — but there is aright mortgage for every buyer. We’ll help find it, no matter what stage they’re at.

Address

Eastlake Circle
Tracy, CA
95304

Telephone

(925) 453-6702

Website

https://crosscountrymortgage.com/walnut-creek-ca-3293/danielle-ramos/

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