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Tracie Heard is a Sr VA SAR/ LAPP/ DE /Reno Underwriter with experience in analyzing credit, assets, income, and appraisals for FHA and VA loans. With a background in underwriting for various companies such as EPM and Victorian Finance, Tracie has demonstrated expertise in meeting investor and lender guidelines. Tracie has a history of maintaining quality control procedures on loans, issuing Conditional Commitments and VA Notice of Value, and creating in-house QC processes. Tracie's extensive experience includes underwriting FHA and VA loans and maintaining low error ratings and meeting service level agreements.