Testimonials | Texas Mortgage Lenders | Lending Dream Mortgage

Tracy is a super nice broker to work with during my new home purchase. She is patient and professional in the whole process, all my questions and concerns are well addressed.

Zhedong Ma

6 days ago

Posted on Google

We can’t recommend Tracy enough and she’s hands down the best mortgage broker we’ve worked with. Tracy is incredibly professional, patient and always quick to respond, making sure all of our questions were answered thoroughly. Communication was always smo ...

We can’t recommend Tracy enough and she’s hands down the best mortgage broker we’ve worked with. Tracy is incredibly professional, patient and always quick to respond, making sure all of our questions were answered thoroughly. Communication was always smooth and easy throughout the process, and she was able to secure us very competitive rates. We had fantastic experience with Tracy and truly appreciate her dedication and support every step of the way.

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Tingting Zhou

6 days ago

Posted on Google

Tracy is fantastic to work with. She’s super responsive, very transparent, and does everything she can to make things simpler for you. She helped me find the best refinance rates in this very unstable market. Thank you Tracy, and I look forward to working ...

Tracy is fantastic to work with. She’s super responsive, very transparent, and does everything she can to make things simpler for you. She helped me find the best refinance rates in this very unstable market. Thank you Tracy, and I look forward to working with you again in the future.

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Vinaykrishnan Menon

1 week ago

Posted on Google

It’s always a great pleasure working with Tracy! Her knowledge and efficiency keep surprising me (in a good way for sure)! She pays attention to every detail and is super nice and patient with all my questions! So lucky to have her help with my loans!

Wei Yu

1 week ago

Posted on Google

Tracy and Lending Dream are amazing! They're knowledgeable, helpful, and were incredibly supportive throughout the entire process. Their attention to detail and dedication made securing our loan smooth and stress-free.

Jesse Kwilosz

2 weeks ago

Posted on Google

Tracy was instrumental throughout my entire home purchase process, demonstrating impressive expertise and efficiency. My situation was particularly complex in the Houston market, where sellers chose not to pay off solar loans before closing. Instead, I ne ...

Tracy was instrumental throughout my entire home purchase process, demonstrating impressive expertise and efficiency. My situation was particularly complex in the Houston market, where sellers chose not to pay off solar loans before closing. Instead, I needed to assume the entire solar loan in addition to the regular mortgage. Given how unusual this arrangement is in the Houston real estate market, I consulted several lending professionals before choosing Tracy. Her guidance helped me navigate the many unknown risks during the solar loan assumption process, and the closing went smoothly without any issues. Regarding the mortgage itself, Tracy was exceptionally efficient, completing everything within just two weeks. She is truly professional and highly competent in mortgage lending. I strongly recommend her services to anyone seeking mortgage assistance.

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Hui Zhang

2 weeks ago

Posted on Google

I had a fantastic experience working with Lending Dream on my home mortgage loan, and I want to give a special shout-out to Tracy Zhou for her incredible support throughout my home purchase journey. Tracy is knowledgeable, responsive, and always patient ...

I had a fantastic experience working with Lending Dream on my home mortgage loan, and I want to give a special shout-out to Tracy Zhou for her incredible support throughout my home purchase journey. Tracy is knowledgeable, responsive, and always patient in answering my questions—no matter how small. She guided me through each step with professionalism and care, making what could have been a stressful process feel smooth and manageable. I truly appreciated her transparency, her clear explanations, and how she consistently kept me informed. Thanks to Lending Dream and Tracy, I was able to secure a great loan and close on my home with confidence. I highly recommend their services to anyone looking to buy a home!

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Luke Wang

3 weeks ago

Posted on Google

Tracy is hands down the best mortgage broker I’ve worked with! She recently helped me refinance and lock in a great rate. Throughout the process, she was patient, professional, and incredibly responsive. I highly recommend her to anyone looking for a smoo ...

Tracy is hands down the best mortgage broker I’ve worked with! She recently helped me refinance and lock in a great rate. Throughout the process, she was patient, professional, and incredibly responsive. I highly recommend her to anyone looking for a smooth and stress-free mortgage experience!

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ZIQI DONG

3 weeks ago

Posted on Google

I had an excellent experience with Lending Dream for my house mortgage and especially with my agent, Tracy. From start to finish, Tracy demonstrated outstanding efficiency, professionalism, and a strong customer-oriented approach. She was always responsiv ...

I had an excellent experience with Lending Dream for my house mortgage and especially with my agent, Tracy. From start to finish, Tracy demonstrated outstanding efficiency, professionalism, and a strong customer-oriented approach. She was always responsive, answered all my questions clearly, and guided me through the entire process with patience and care. Thanks to her expertise and dedication, everything went smoothly and on time. I truly appreciate the top-notch service and would highly recommend Tracy and her team to anyone in need of mortgage lending support!

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Anna Zhang

3 weeks ago

Posted on Google

I was referred by multiple people to Tracy. They all say she is the best in town; and they are not wrong! Our mortgage application process was very smooth. Tracy was super efficient, always responsive & on point to answer my questions, and very knowledgea ...

I was referred by multiple people to Tracy. They all say she is the best in town; and they are not wrong! Our mortgage application process was very smooth. Tracy was super efficient, always responsive & on point to answer my questions, and very knowledgeable; needless to mention the best rate available! Highly recommend!

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Mia Liao

3 weeks ago

Posted on Google

Tracy helped me to refinance my mortgage at a lower rate. Tracy is a great professional to work with. She is helpful and approachable. She is thorough , transparent with documentation needs and patient with customers. I strongly recommend Tracy.

Pankaj Sarma

1 month ago

Posted on Google

Tracy is extremely professional and supportive along the entire process. Her response is always very timely and useful. It was really a great and joyful experience working with her. If you are looking for a lender / mortgage agent, I will highly recommend ...

Tracy is extremely professional and supportive along the entire process. Her response is always very timely and useful. It was really a great and joyful experience working with her. If you are looking for a lender / mortgage agent, I will highly recommend Tracy and the team to you!

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1 month ago

1 month ago

Tracy from Lending Dream has helped us in getting the right mortgage for our first home in Austin TX. She is very knowledgeable, very prompt to respond and process the application very efficiently. I definitely recommend her for anyone buying mortgage or ...

Tracy from Lending Dream has helped us in getting the right mortgage for our first home in Austin TX. She is very knowledgeable, very prompt to respond and process the application very efficiently. I definitely recommend her for anyone buying mortgage or refinancing.

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Bharath V

1 month ago

Posted on Google

Tracy Made the Mortgage Process a Breeze! We couldn’t have asked for a better mortgage advisor than Tracy. She is incredibly knowledgeable and seemed to have the perfect answer for every question. From day one, she guided us through the process with conf ...

Tracy Made the Mortgage Process a Breeze! We couldn’t have asked for a better mortgage advisor than Tracy. She is incredibly knowledgeable and seemed to have the perfect answer for every question. From day one, she guided us through the process with confidence, helping us secure amazingly low rates and making sure we got the best possible outcome by adjusting the credits in the smartest way. What really stood out was her responsiveness, no matter when we reached out, she was always there to provide clear explanations and keep everything on track. If you’re looking for a mortgage lender who truly knows her stuff and looks out for your best interests, Tracy is the one!

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1 month ago

2 months ago

"I had an amazing experience working with Tracy! She closed my loan within a week, which was incredibly fast and efficient. Her professionalism and courteous demeanor made the entire process smooth and stress-free. I highly recommend her to anyone in need ...

"I had an amazing experience working with Tracy! She closed my loan within a week, which was incredibly fast and efficient. Her professionalism and courteous demeanor made the entire process smooth and stress-free. I highly recommend her to anyone in need of a reliable and skilled loan agent. Thank you, Tracy, for your outstanding service!"

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min li

3 months ago

Posted on Google

Tracy is professional. She helps us to get the best rate on the market. More importantly, she is super responsive and always answers my questions in very short time. I will definitely work with her again in the future

Xuhan Liu

4 months ago

Posted on Google

It’s been great working with Tracy during the past few weeks. Not only she is professional but she understands and listen to clients important needs. I would not hesitate to work with her again in the future for any mortgage needs. Highly recommend!

Jing Tian

5 months ago

Posted on Google

Tracy has great responses and incredible rate. This is all what you are looking for from a loan officer. Approved from a first-time home buyer.

Yung-Ping Lee

5 months ago

Posted on Google

I had the pleasure of working with Tracy on my 1031 exchange, and I couldn’t be more satisfied. From the very beginning, Tracy was prompt in responding to all of my questions and requests. She explained each step of the process with patience, always keepi ...

I had the pleasure of working with Tracy on my 1031 exchange, and I couldn’t be more satisfied. From the very beginning, Tracy was prompt in responding to all of my questions and requests. She explained each step of the process with patience, always keeping my best interests in mind. My 1031 situation was both urgent and complex, but Tracy quickly gathered the necessary information and offered solutions tailored to my needs. While it's easy to compare rates across companies, finding a loan officer as knowledgeable and trustworthy as Tracy is rare. She is simply the best!

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Grace Yan

5 months ago

Posted on Google

I’ve worked with Tracy as my loan agent on both financing and refinancing homes, and I couldn’t be happier with the results. Tracy is not only highly knowledgeable but also incredibly efficient and detail-oriented. Throughout each process, she was clear a ...

I’ve worked with Tracy as my loan agent on both financing and refinancing homes, and I couldn’t be happier with the results. Tracy is not only highly knowledgeable but also incredibly efficient and detail-oriented. Throughout each process, she was clear and prompt in her communication, ensuring I understood every step and felt fully informed. She consistently found the best rates and closing cost options tailored to my needs and made each transaction seamless. I highly recommend her to anyone seeking a top-notch loan agent.

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di xu

5 months ago

Posted on Google

I am delighted to share my experience with my lender Lending Dream. From the very beginning, Tracy displayed an exceptional level of professionalism that truly set her apart. Her patience and attention to detail made me feel valued as a client. Tracy not ...

I am delighted to share my experience with my lender Lending Dream. From the very beginning, Tracy displayed an exceptional level of professionalism that truly set her apart. Her patience and attention to detail made me feel valued as a client. Tracy not only navigated the complexities of the lending process with incredible expertise, but she also consistently prioritized my needs, ensuring that I was well-informed and comfortable every step of the way. One of the standout qualities that impressed me was her ability to communicate in both English and Mandarin, which significantly eased any language barriers and made the entire experience more accessible. Her bilingual skills are a tremendous asset, providing clarity and understanding in discussions regarding my financial options. Tracy’s dedication to her clients and her extensive knowledge of the industry made my journey a smooth and positive one. I wholeheartedly recommend her services to anyone in need of a reliable lender. Thank you, Tracy, for your outstanding support!

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唐振华

5 months ago

Posted on Google

fast, responsive, and detail oriented. it was a breeze to go through the process with them.

tony hua

5 months ago

Posted on Google

Tracy is a professional and patient broker. As a first own, I have learn about a lot of information from her and she walked me through the application process smoothly.

Violet Wu

6 months ago

Posted on Google

Tracy gives best rate in the market and she is quick and precise in her communcation.

sandeep san

6 months ago

Posted on Google

This is the easiest refinance processes that we've ever had, and Tracy made everything easy for us!

Yao Zhang

6 months ago

Posted on Google

Tracy is wonderful! The entire process went smoothly, with transparent costs and a great deal. She responded quickly to everything. We’re thrilled to have our new home!

Yang Sui

6 months ago

Posted on Google

Lending Dream Tracy is my go to lender! Have used multiple times and will continue. She gives the best prices, always available, and works the hardest for the borrower. I highly recommend. Worth more than 5 stars! I used to have another go to lender, ...

Lending Dream Tracy is my go to lender! Have used multiple times and will continue. She gives the best prices, always available, and works the hardest for the borrower. I highly recommend. Worth more than 5 stars! I used to have another go to lender, but when I met Tracy, she beat them. I don't know how she does it, but she gets it done. Very knowledgeable and experienced and it shows. I referred a friend and he said same thing. Thank you again, and hopefully we get to work together again soon.

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Abba Smith

6 months ago

Posted on Google

I just had a great experience doing mortgage loan with Tracy Zhou. She always gave a fast responding on messages, and very quick actions on everything. She made the communication super easy. I also got a nice loan rate from her on my purchasing. I strongl ...

I just had a great experience doing mortgage loan with Tracy Zhou. She always gave a fast responding on messages, and very quick actions on everything. She made the communication super easy. I also got a nice loan rate from her on my purchasing. I strongly recommend Lending Dream and Tracy Zhou to anyone who needs a mortgage loan.

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6 months ago

6 months ago

Working with Tracy was an absolute pleasure! As first-time homebuyers, we felt overwhelmed by the whole mortgage process, but Tracy simplified everything for us. She was always prompt, attentive, and ready to provide clear answers to any of our questions. ...

Working with Tracy was an absolute pleasure! As first-time homebuyers, we felt overwhelmed by the whole mortgage process, but Tracy simplified everything for us. She was always prompt, attentive, and ready to provide clear answers to any of our questions. Her efficiency and expertise truly stood out, and we were able to secure a fantastic interest rate thanks to her guidance. The professionalism and support of Tracy made what could have been a stressful experience, a smooth and positive one. We couldn’t be happier—highly recommend!

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Wenting Fu

6 months ago

Posted on Google

They are very professional team and great partner to work with. Highly recommend.

Jason Gao

6 months ago

Posted on Google

We want to take a moment to express our sincere gratitude to Tracy for the exceptional service she provided during our first home-buying experience. From the moment we first connected, Tracy’s professionalism, expertise, and dedication to finding us the b ...

We want to take a moment to express our sincere gratitude to Tracy for the exceptional service she provided during our first home-buying experience. From the moment we first connected, Tracy’s professionalism, expertise, and dedication to finding us the best possible mortgage rates were truly unbelievable. The mortgage rates she was able to secure for us were simply out of this world. We couldn't believe how low the interest rates were, especially in today's market, and it made a significant difference in our monthly payments. Tracy's communication throughout the entire process was also phenomenal. She kept us informed every step of the way, addressing any questions or concerns we had promptly and thoroughly. We are so glad we took a chance on Tracy and trusted her to guide us through this important financial decision. Her hard work, attention to detail, and commitment to our satisfaction were truly impressive. We highly recommend Tracy to anyone in need of a reliable and trustworthy mortgage broker. Until next time! Warmly, Ashley & Richard Crowell

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Richard Crowell

6 months ago

Posted on Google

Inflation really hit millennial first-time homebuyers hard. I took out my first mortgage through the builder’s preferred lender and was misled into signing a high-interest FHA loan without being fully informed of its downsides. By the time we were eligi ...

Inflation really hit millennial first-time homebuyers hard. I took out my first mortgage through the builder’s preferred lender and was misled into signing a high-interest FHA loan without being fully informed of its downsides. By the time we were eligible to refinance, Tracy stepped in and completely turned things around. Not only did she help us boost our credit score, but she also secured us an interest rate about 1% lower than our original loan. She was on top of the Fed’s movements, offering timely advice, and helped us flow down the rate by the time we close. (last time when rate was low my builder assigned loan officer on purposely didn’t pick up phone) What really stands out about Tracy is her dedication beyond her obligations. She knew we were overpaying with our FHA loan, and she went the extra mile to get our monthly PMI waived—something she didn’t have to do. Carrying a home mortgage is hard, but Tracy made our "loan journey" so smooth and stress-free. We couldn’t be happier with her service and highly recommend her!

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ATXDAO

7 months ago

Posted on Google

It was always good experience to get the professional service!

Bill Jin

7 months ago

Posted on Google

Tracy was amazing and I would highly recommend her to anyone seeking a loan! As a first time homeowner she helped make the process seamless and easy. She was always available and ready to answer any questions. She is also very quick, efficient, and knowle ...

Tracy was amazing and I would highly recommend her to anyone seeking a loan! As a first time homeowner she helped make the process seamless and easy. She was always available and ready to answer any questions. She is also very quick, efficient, and knowledgeable, and helped us lock down an excellent interest rate. Her entire team was fantastic. 5 stars all around!

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Stephanie Chen

7 months ago

Posted on Google

Amazing service and professional support

Qing Lan

7 months ago

Posted on Google

It has been a great experience to work with Tracy to get our loan processed. She is very responsive to our questions and has been very patiently working with us to get the documents ready for the underwriter. For every unexpected issues along the way, she ...

It has been a great experience to work with Tracy to get our loan processed. She is very responsive to our questions and has been very patiently working with us to get the documents ready for the underwriter. For every unexpected issues along the way, she came up a solution for us and explained everything well for us to understand. We highly recommended her for her excellent service!

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Yixin Zhang

8 months ago

Posted on Google

I had an outstanding experience working with Tracy at Lending Dream. From the start, she was incredibly responsive, always reacting quickly to any issues that arose. Tracy worked proactively to ensure all the necessary documents were collected, making the ...

I had an outstanding experience working with Tracy at Lending Dream. From the start, she was incredibly responsive, always reacting quickly to any issues that arose. Tracy worked proactively to ensure all the necessary documents were collected, making the entire process smooth and stress-free. She was always well-prepared, which gave me confidence every step of the way. But what really set her apart was her ability to secure the best rate for me. This saved me a significant amount on my monthly payments, and I couldn't be more grateful. If you're looking for a dedicated and effective lending agent, I highly recommend Tracy!

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Xiaoyu Wu

8 months ago

Posted on Google

With the past 2 years loan interest raising unexpectedly fast, I spend a lot of time shopping for a DSCR until I find my next investment and have a concrete plan to use the money I find Tracy and her company literally 2.5 weeks away from my next purchase ...

With the past 2 years loan interest raising unexpectedly fast, I spend a lot of time shopping for a DSCR until I find my next investment and have a concrete plan to use the money I find Tracy and her company literally 2.5 weeks away from my next purchase closing. She responded with quick, accurate and honest numbers and literally I get the cash out funded in 2.5 weeks and 2 days from the next purchase closing date. Without her professional and timely response I won’t be able to make that. Highly recommend and would love to coin tune work with you and your team in the future!

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ZHEN SHAN

8 months ago

Posted on Google

I recently had the pleasure of working with Tracy to close on a new home, and I cannot recommend her highly enough. From start to finish, Tracy was incredibly knowledgeable, guiding us through each step of the process with clarity and expertise. She was a ...

I recently had the pleasure of working with Tracy to close on a new home, and I cannot recommend her highly enough. From start to finish, Tracy was incredibly knowledgeable, guiding us through each step of the process with clarity and expertise. She was always responsive to our questions and concerns, which made the entire experience smooth and stress-free. Tracy’s professionalism and dedication to her clients are truly exceptional. If you are looking for a reliable loan officer, Tracy is the one!

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Chuan Long

9 months ago

Posted on Google

Tracy provided swift response on any queries, polite and helpful.

Gurumurthy Bisleri

9 months ago

Posted on Google

We had an exceptional experience with Tracy throughout the process. From the very beginning to the end, she showed a high level of professionalism, responsiveness, and genuine care for our needs. The loan process was seamless and efficient, thanks to thei ...

We had an exceptional experience with Tracy throughout the process. From the very beginning to the end, she showed a high level of professionalism, responsiveness, and genuine care for our needs. The loan process was seamless and efficient, thanks to their thorough explanations and timely communication. Would definitely come back for refinance needs and recommend to friends.

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Carrie Ouyang

9 months ago

Posted on Google

I had a fantastic experience working with Tracy! They were incredibly knowledgeable, responsive, and guided me through the entire process with ease. Their professionalism gave me confidence, and they worked diligently to secure the best deal for my needs. ...

I had a fantastic experience working with Tracy! They were incredibly knowledgeable, responsive, and guided me through the entire process with ease. Their professionalism gave me confidence, and they worked diligently to secure the best deal for my needs. I highly recommend this loan broker to anyone in search of financial assistance. Thank you for your exceptional service!

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10 months ago

10 months ago

10 months ago

Tracy was excellent resource and guided us everyway throughout the loan process. She was very responsive, friendly, and knowledgeable. We had no issues closing in a tight timeframe of 30 months. We highly recommend her services.

Brandon Feng

10 months ago

Posted on Google

Thanks very much. The Agent is very helpful and professional.

杨琼

10 months ago

Posted on Google

Recently, I chose Lending Dream Mortgage for my home loan. I picked this company, and Tracy Zhou, as my agent, has been incredibly helpful. She caters to my needs and those of other customers, doing her best to help save money efficiently. The service is ...

Recently, I chose Lending Dream Mortgage for my home loan. I picked this company, and Tracy Zhou, as my agent, has been incredibly helpful. She caters to my needs and those of other customers, doing her best to help save money efficiently. The service is excellent. If you're looking for a home loan, I highly recommend going to her. You definitely won't be disappointed.

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HongXia Zhang

11 months ago

Posted on Google

Customer Testimonials