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Judd was born in the suburbs of Boston, grew up in the suburbs of Chicago and finished high school in Charlotte, NC. He received his bachelors degree in Communication Studies from the University of North Carolina Wilmington in 1996. From there he began his career in the Banking industry for 13 years. He worked on the Trading Floor for one of the countries biggest banks for nearly ten years. In 2006, he decided to change career paths and moved to Hilton Head working as a Lender at a local bank for 3 years. In 2009, he decided to change careers again and get into Real Estate and hasn't looked back. Personally Judd has been married for 12 years to his wife Marlayna who is originally from Long Island but moved down to Hilton Head in High School. She did her undergraduate and graduate degree's at Clemson. She's a local teacher in Bluffton and runs a Young Astronauts club. Judd and Marlayna have two children. Emma Kate (9) and Blake (7). In his spare time he loves traveling with his family, playing Golf, Boating or just lounging on the beach. The Tracy's are active members at Church of the Cross in Bluffton. Judd is an avid fan of the Carolina Panthers, UNCW Seahawks and Kentucky Wildcats!