Tracey Lynn Kelley

Tracey Lynn Kelley co-founded Residios with a perspective shaped by nearly three decades at the center of residential mortgage banking. Her career spans more than fifteen years at Wells Fargo as a Senior Banker, followed by twelve years as a Senior Mortgage Banker with Fitzgerald Financial Group of TowneBank, closing billions of dollars in transactions and working directly with families at the most consequential financial moments of their lives.

What that experience made clear is that most families enter a property transaction without a complete picture of their options. Advisors, lenders, and buyers each operate with their own interests. The homeowner, who most needs objective and structured guidance, rarely receives it before they sign.

Residios is her answer to that gap: a model built around the homeowner's decision, not the transaction itself. The work is grounded in the real-world knowledge of what happens when families move through a sale under pressure, and what a better process would look like if it were designed around them from the start.

Tracey handles property purchases on behalf of Residios. In those transactions, Residios is the buyer, not the seller's agent. Every Residios offer shows the after-repair value used, the repair estimate, and the margin, beside a written comparison of the alternatives.

Residios buys property as a principal. It is not a real estate brokerage, does not list property, and is not acting as your agent. Being named on this site as an author or founder does not mean a page has been reviewed by a licensed professional.