--- canonical_url: https://lendb.ai/lo/tracey-watler-2249354 json_url: https://lendb.ai/lo/tracey-watler-2249354.json nmls_id: 2249354 last_verified: 2026-10-15 --- # Tracey Watler Branch Manager at think one mortgage inc, Staten Island, NY. NMLS ID 2249354 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2249354)). Tracey Watler, NMLS 2249354, works as a Branch Manager at think one mortgage inc in Staten Island, New York, serving New Jersey and New York. Tracey's lender page shows a focus on FHA loan, first-time buyer and non-QM loan, and Tracey speaks Spanish and works at an FHA-approved lender, per HUD. **Summary:** Tracey Watler (NMLS 2249354) is Branch Manager at think one mortgage inc, based in Staten Island, NY. Lists New Jersey and New York on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer and Non-QM loan. Speaks Spanish. Last verified 2026-10-15. ## Quick answers ### Is Tracey licensed in New York? think one mortgage inc's page for Tracey lists New York. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 1 other state on file for Tracey. Source: https://thinkmtg.com/lo-tracey-watler/. ### Does Tracey do FHA loans? Tracey's profile lists FHA loan as a focus (from their lender profile page). It also lists first-time buyer and non-QM loan. Source: https://thinkmtg.com/lo-tracey-watler/. ### What lender does Tracey work for, and is it FHA-approved? think one mortgage inc, company NMLS 125182, from the Staten Island, NY office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026). Source: https://thinkmtg.com/lo-tracey-watler/. ### What languages does Tracey speak? Spanish, per their lender page (verified 2026-10-15). Source: https://thinkmtg.com/lo-tracey-watler/. ## At a glance - Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: New Jersey (NJ, lender_reported), New York (NY, lender_reported) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: Spanish (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **FHA loan** (`fha`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://thinkmtg.com/lo-tracey-watler/ - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://thinkmtg.com/lo-tracey-watler/ - **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://thinkmtg.com/lo-tracey-watler/ ## Facts from the lender page and intro - education: Masters in Elementary Special Education. Source: https://thinkmtg.com/lo-tracey-watler/, verified 2026-10-15. - community: ties within many communities on the north shore. Source: https://thinkmtg.com/lo-tracey-watler/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | NJ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NY | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: think one mortgage inc (NMLS 125182), Staten Island, NY. Source: https://thinkmtg.com/lo-tracey-watler/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2249354 ## Contact - View profile at think one mortgage inc: https://thinkmtg.com/lo-tracey-watler/ - Office phone and Email on file: shown at https://lendb.ai/lo/tracey-watler-2249354#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2249354 - lender_site: https://thinkmtg.com/lo-tracey-watler/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Tracey Watler (NMLS 2249354), think one mortgage inc. LenDb.ai, https://lendb.ai/lo/tracey-watler-2249354, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._