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We offer the best home loan rates

Tracy Harcourt – Broker
DRE #: 01314373
NMLS #: 312320
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So Cal Home Loan is one of the preeminent mortgage and real estate company in Whittier and the Southern California area in 19 years.

We offer home loan financing, and real estate sales for single family, multi unit, apartments and commercial buildings. These services are offered to owner occupied, non-owner occupied, investors and owner occupants. We have a staff of fully trained and licensed brokers, realtors and loan officers who offer over 60 years of combines experience in the real estate industry with some of the biggest names in real estate.

At So Cal Home Loan,

we like to say that obtaining a home loan is as easy as “1, 2, 3”.

Refinance Loans
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First Time Buyer Loans
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Reverse Mortgages
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Our Team

We have experts ready to help you find the exact loan to meet your exact needs. You can choose how you want to handle the transaction, by phone, in person, over the internet or at your home.

More About Us

Tracy Harcourt


Michael Otto


Sarita Harcourt



Here’s what our happy customers had to say about our services:

Yep, the whole thing went through without a hitch, and was funded two weeks ago. Ev was very enjoyable to work with as was Mattie, the Notary who oversaw the final signing of papers.

We are very pleased with the experience, and we thank you for your part in it. I will thank Tony for referring us to you, and I will most certainly refer anyone looking for a reverse mortgage to you without a question.

Syl V.

You just saved by spending habits! Thank you for going thru the hard process of getting my loan approved. I can only say now that although I’m house poor, my money is saved with equity. Thank you again Tracy!

Harold G.

Thanks again for everything Tracy, my husband and I appreciate your professionalism, integrity, and expediency in handling our file. I have plenty of your business cards on hand, and you know that I have your office and cell numbers memorized, also thanks for the movie tickets, and I will keep my ears opened for referrals, thanks again!!!

Kim C.

Thank you Tracy

I also wanted to Thank you for not giving up on us. I mean I almost said for get it myself. I never realized how much hard work is involved in buying a home. One good thing came out of this and that is keep your credit in good standards for everything to go smoothly.

Yes, we are extremely happy with our new home. Thanks again.

Elizabeth C.






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