VA Loan Specialist
Tracy Kraus, VA loan specialist in Fort Walton Beach, FL.
Branch Training and Lead Manager
VLG Headquarters · Meridian, ID
NMLS #400403
About Tracy
My name is Tracy Kraus and I have lived all over, but for the last 15 years I have lived in Idaho with my husband and two kids. We love the outdoors and soccer — we work hard so we can play harder.
How Tracy works with military families
- Plain-language explanations of entitlement, funding fee, and cash-to-close — before you fall in love with a house.
- Proactive underwriting prep so surprises are rare, not normal.
- Coordination with agents and partners who understand VA contracts and timelines.
- 22-day average closing timeline — because your orders and listing windows don't wait.
States Licensed
ArizonaArkansasCaliforniaColoradoFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKentuckyMaineMarylandMinnesotaNorth DakotaOhioOklahomaOregonTennesseeVirginiaWashingtonWyoming
Why Veterans Lending Group?
- Nationwide VA specialists — 85% of our closed loans are VA.
- Average loan closing time of 22 days.
- Over 500,000 military families educated on VA benefits.
- No minimum credit score overlays — we don't restrict your benefit.
- 65% of our staff are prior service or military spouses.
Get clear VA loan options in one conversation.