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Highlands Residential Mortgage
Meet Your Loan Officer

Tracy Covarrubias

Branch Manager
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NMLS# 1119884
Licensed for: TX-1119884, OK-MLO33753, MO-1119884
Get Started with Tracy
contact
Fort Worth
1503 S. 3rd Street Suite 2
Ozark, MO, 65721
O: 817-945-9685 | C: 925–595–5096

About Highlands Residential Mortgage

Your Family. Your Future. Our Focus.

Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally and professionally and a company built on the idea that the customer comes first! We believe Highlands Residential Mortgage is such a place. Our Mission to value people drives everything we do.

Meet Tracy

My Story

Thank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resources below. I look forward to working with you!

My Specialties

Areas of Expertise

  • First-Time Homebuyers
  • Investment Properties
  • Conventional Loans
  • FHA Loans
  • VA Loans
  • Purchase
  • Rate-Term Refinance
  • Cash-Out Refinance
  • Second-Homes
  • Renovation Loans

Have Questions?

The Highlands Digital Mortgage Experience

The Highlands Residential Mortgage app makes it easy to plan, manage, and learn more about your personal loan process.

Customer Reviews

Our Resources

Refinancing Strategy 101: Be Ready Before Rates Drop

Thinking about refinancing when rates dip?  Smart thinking!   But don’t wait until the last seco...

“Educ-RATE-tion”: Should You Wait for Lower Interest Rates?

Thinking about holding off on buying a home until mortgage rates drop? You’re definitely not alone...

Highlands Named a Top 50 Mortgage Company—Climbing Higher in 2024

We’re proud to announce that Highlands Residential Mortgage has once again been recognized as one ...