Mei Lai Tracy On

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Mei Lai Tracy On Hawaiʻi Real Estate and Mortgage guidance. Let's talk story to understand your goals.

Coldwell Banker - Island Properties
RS # 88472

Edge Home Finance
NMLS # 2286149
(Team can serve 49 states)

⭐️ Nothing means more than knowing my clients felt supported every step of the way. Personalized guidance, thoughtful so...
09/29/2026

⭐️ Nothing means more than knowing my clients felt supported every step of the way. Personalized guidance, thoughtful solutions, and never a one-size-fits-all approach. 🏡✨

💁🏻‍♀️ Mei Lai Tracy On
🏡 REALTOR® | Real Broker, LLC | RS-88472
📍 Hawaiʻi
📲 808-824-5002

09/21/2026

🏠 DON’T SHOP BY INTEREST RATE ALONE!

A lower advertised rate doesn’t always mean a better mortgage! It may come with higher closing costs or thousands in discount points.

When comparing lenders, look beyond the rate:

🔹 Total cash needed to close

🔹 Monthly payment & closing costs

🔹 Lender fees, credits & discount points

🔹 Loan options that fit your goals

🔹 Responsive service & on-time closing

The right mortgage is about more than just the rate. It’s about finding a loan that fits your financial goals with a trusted loan officer guiding you every step of the way.

📲 Let’s explore your mortgage options!

👩🏻‍💼 Tracy On | Mortgage Loan Originator

🏦 Edge Home Finance LLC

📞 808-824-5002

🔑 NMLS #2286149

Equal Housing Lender | All loans subject to credit approval and program guidelines. Rates and terms are subject to change.

🤙🏼 Congratulations to our buyers on their beautiful new home in Kailua! 🌴🏡So happy for this military family and grateful...
09/15/2026

🤙🏼 Congratulations to our buyers on their beautiful new home in Kailua! 🌴🏡

So happy for this military family and grateful to everyone who helped bring it together. Loved co-partnering with Heidi Bertucci to guide our buyers through the process 💛 and Maureen O'Guin representing the sellers of this beautiful home.🏠

Using their VA benefit, we also worked through a financing strategy with an ARM that helped lower their initial rate and monthly payment at the beginning of the loan. 💵 Look 👀 at that rate in this current market.

Buying with VA? The right strategy can make a difference.

📲 DM me “VA” and let’s talk story.

Edge Home Finance team can serve 49 states 🗺️

🏆Top VA Brokerage

OahuRealEstate

A local first-time homebuyer, a new chapter, and a place to call home. 🏡🌴 This one is extra special! 🤍We’re officially i...
09/10/2026

A local first-time homebuyer, a new chapter, and a place to call home. 🏡🌴 This one is extra special! 🤍

We’re officially in escrow! So happy to partner with Faith, working together behind the scenes, taking care of the details, and keeping things moving for our buyer. Let’s get it done! ☑️🤝

One step closer to getting those keys! 🔑

👩🏻‍💼 Mei Lai Tracy On |
Mortgage Loan Originator
🪪 NMLS #2286149
💚 Edge Home Finance, LLC | NMLS #891464
🏡 Equal Housing Opportunity

SOLD. 🔑Really grateful for the trust my clients placed in me with the sale of their home.There were a lot of moving piec...
08/13/2026

SOLD. 🔑

Really grateful for the trust my clients placed in me with the sale of their home.

There were a lot of moving pieces along the way, strategy, negotiations, deadlines, decisions, but keeping my clients informed and getting them to the finish line was always the priority.

So happy to see this one officially closed. 🏡

Thinking about selling on Oʻahu? Let’s talk about your options and put a strategy together.

📲 (310) 382-4862

Mei Lai Tracy On, REALTOR® | RS-88472
Real Broker, LLC

Transaction closed while affiliated with Coldwell Banker Island Properties.

🌺 Today was a good day. 🏡🔑Closing day is always exciting, but what many people don’t see is everything that happens behi...
07/20/2026

🌺 Today was a good day. 🏡🔑

Closing day is always exciting, but what many people don’t see is everything that happens behind the scenes to make it possible.

From managing escrow timelines and negotiating through inspections to staying in constant communication with the buyer’s agent, escrow, title, and the lender, every detail matters. My job is to help guide the process, solve challenges along the way, and keep everything moving toward a successful closing. Fantastic team who helped from start to finish. 👏🏼 (Bernadette Hanna, Kai Li Woolworth Dickson, Paul Peck )

Mahalo to my incredible sellers for trusting me with one of life’s biggest milestones. It was truly an honor to represent you, and I’m excited for this next chapter ahead. 🤙✨

🏡 If you’re thinking about selling your home and want a trusted advocate to guide you from listing to closing, I’d be honored to help. Let’s talk story.

Mei Lai Tracy On, Realtor® | RS-88472
Coldwell Banker Island Properties
📱 (310) 382-4862
📧 [email protected]
🌐 realestatesocial.club

🏷️ Up to $40,000 in Red Tag savings may be available -but these opportunities won’t last.Select move-in-ready homes are ...
07/11/2026

🏷️ Up to $40,000 in Red Tag savings may be available -but these opportunities won’t last.

Select move-in-ready homes are offering limited-time incentives in:

📍 ʻĀhakea
📍 Uluwehi
📍 Alana
📍 Kāpili

Comment “RED TAG” or DM me for the current availability list and details. 🏡

Mei Lai Tracy On
Kamaʻāina REALTOR® | RS-88472
Coldwell Banker Island Properties

📲 (310) 382-4862
📧 [email protected]
💻 realestatesocial.club

🌟 Grateful for kind words from a client.Buying or selling a home should feel clear, smooth, and supported every step of ...
07/01/2026

🌟 Grateful for kind words from a client.

Buying or selling a home should feel clear, smooth, and supported every step of the way. I’m thankful to help my clients move forward with confidence. 🏡✨

Mei Lai Tracy On
Coldwell Banker Island Properties
RS-88472
📲 310-382-4862
🌐 www.realestatesocial.club

Ready to talk story about your next move?
📩 Message me today

05/11/2026

🏡 Ho‘opili new builds are getting attention in West O‘ahu! Red Tag deals, thousands off the purchase price, builder promos, closing cost credits + special discounts may be available. ✨

Comment ALOHA 🌺 to learn how to get represented by a REALTOR® of your choice — not just the builder’s sales office.

Tracy On | REALTOR® RS-88472 | MLO NMLS #2286149 | 📲 (310) 382-4862
Coldwell Banker Island Properties | Edge Home Finance | Equal Housing Opportunity | Not a commitment to lend. Promos subject to builder terms.

Thinking about buying but worried about the monthly payment? 🏡A 1% temporary rate buydown for the first year may help lo...
05/06/2026

Thinking about buying but worried about the monthly payment? 🏡

A 1% temporary rate buydown for the first year may help lower your starting payment and give you a little more breathing room while you settle into homeownership.

Available on eligible Conventional, VA, and FHA loans through June 30, 2026.

Have questions or want to see if this could work for you?

📲 Call/text me: (310) 382-4862
🌐 realestatesocial.club
📩

Tracy On
REALTOR® | Coldwell Banker Island Properties RS-88472
Mortgage Loan Originator | Edge Home Finance NMLS #2286149
Equal Housing Opportunity
This is not a commitment to lend. All loans subject to approval. Terms and eligibility may apply.

VALoan FHALoan ConventionalLoan MortgageTips HomeBuyingTips TracyGetsYouHome RealEstateSocialClub

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Honolulu, HI
98615

Telephone

+13103824862

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