Tracy Zhou

NMLS# 1474713

609-903-8043

Customer Testimonials

We work very hard for our customers because nothing pleases us more than helping our clients achieve the dream of affordable home ownership. We want to add you to our list of very satisfied customers.

Rating

5.0

172 reviews

Write a Review

I highly recommend Lending Dream as a trusted company if you need any mortgage services.Tracy has been very helpful and always answers all my questions quickly and clearly.I don’t even need to monitor mortgage rates myself because Tracy is always on top o ...

I highly recommend Lending Dream as a trusted company if you need any mortgage services.Tracy has been very helpful and always answers all my questions quickly and clearly.I don’t even need to monitor mortgage rates myself because Tracy is always on top of it. Whenever she sense the rate is favorable for me, she reaches out and walks me through the pros and cons to help determine whether refinancing is worthwhile.Furthermore, Tracy and her team are highly efficient and able to close each loan quickly.I really appreciate their excellent service and would highly recommend Lending Dream to my friends.

5 days ago

Posted on Google

Had a great experience refinancing with Lending Dream Mortgage! Tracy was super helpful, responsive, and made the whole process smooth and easy. Highly recommend!

Had a great experience refinancing with Lending Dream Mortgage! Tracy was super helpful, responsive, and made the whole process smooth and easy. Highly recommend!

1 week ago

Posted on Google

Tracy is really professional, super helpful and extremely easy to work with. She's always responsive with very fast turnaround for any request. She reduced the work on my side to a minimum level. I spent very little time and effort, and didn't have to wo ...

Tracy is really professional, super helpful and extremely easy to work with. She's always responsive with very fast turnaround for any request. She reduced the work on my side to a minimum level. I spent very little time and effort, and didn't have to worry about anything. The entire process can't be smoother. Totally above and beyond my expectation. It's definitely a great experience working with Tracy. Highly recommend to anyone looking for loans/mortgages with great rates to save time, money and headache!

1 week ago

Posted on Google

I had an excellent experience working with Tracy on my mortgage loan. The entire process was smooth and stress-free from start to finish. She took the time to explain every step with patience and clarity, which made me feel confident throughout. Thanks to ...

I had an excellent experience working with Tracy on my mortgage loan. The entire process was smooth and stress-free from start to finish. She took the time to explain every step with patience and clarity, which made me feel confident throughout. Thanks to her guidance, I was able to secure the best rate available at the time. I truly appreciate her professionalism and dedication — highly recommend Tracy to anyone looking for a reliable and knowledgeable loan officer!

1 week ago

Posted on Google

Tracy is great and definitely know what she is going, very patient and knowledgeable, answering our questions clearly and offered to provide us best rate and think from our angle to give good advice! We will definitely stay with her for later refinancing!

Tracy is great and definitely know what she is going, very patient and knowledgeable, answering our questions clearly and offered to provide us best rate and think from our angle to give good advice! We will definitely stay with her for later refinancing!

2 weeks ago

Posted on Google

Tracy is just amazing and the best loan officer I’ve ever worked with. I refinanced my house in October 2025, and thanks to her professional advice and services, it only took about two weeks for the whole process to complete! She responded all my emails s ...

Tracy is just amazing and the best loan officer I’ve ever worked with. I refinanced my house in October 2025, and thanks to her professional advice and services, it only took about two weeks for the whole process to complete! She responded all my emails swiftly with so much passion and patience, and I highly recommend Tracy and her team to anyone who needs help.

2 weeks ago

Posted on Google

Tracy is very patient and she responded to my questions very quickly. I would definitely recommend her!

Tracy is very patient and she responded to my questions very quickly. I would definitely recommend her!

2 weeks ago

Posted on Google

Very good and smooth refinance service with good rate, finished the process in 20 days and can be signed online.

Very good and smooth refinance service with good rate, finished the process in 20 days and can be signed online.

3 weeks ago

Posted on Google

4 weeks ago

Posted on Google

4 weeks ago

Posted on Google

I love Tracy, simple as that.

I love Tracy, simple as that.

4 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. Above all ,Tracy is a very pleasant ...

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. Above all ,Tracy is a very pleasant person to work with . I strongly recommend Tracy to anyone interested in refinancing mortgages.

4 weeks ago

Posted on Google

Tracy made the process of refinancing easy with clear communication and prompt responses. Thank you Tracy.

Tracy made the process of refinancing easy with clear communication and prompt responses. Thank you Tracy.

1 month ago

Posted on Google

Had a great experience working with Tracy on my mortgage. She was professional, responsive, and made the whole process smooth and stress-free. Highly recommend!

Had a great experience working with Tracy on my mortgage. She was professional, responsive, and made the whole process smooth and stress-free. Highly recommend!

1 month ago

Posted on Google

Exceptional service! Our lender was incredibly responsive and clearly had a deep knowledge of the market. Thanks to their guidance, we were able to lock in a great rate with ease.

Exceptional service! Our lender was incredibly responsive and clearly had a deep knowledge of the market. Thanks to their guidance, we were able to lock in a great rate with ease.

1 month ago

Posted on Google

We recently applied for a loan with Lending Dream Mortgage, and Tracy was amazing! Professional, knowledgeable, and very helpful, she handled a last-minute issue on closing day quickly and smoothly. Highly recommend Tracy and Lending Dream Mortgage!

We recently applied for a loan with Lending Dream Mortgage, and Tracy was amazing! Professional, knowledgeable, and very helpful, she handled a last-minute issue on closing day quickly and smoothly. Highly recommend Tracy and Lending Dream Mortgage!

1 month ago

Posted on Google

We had to close in about 2 1/2 weeks. Tracy was very responsive and kept us up-to-date and informed. We were able to Close on time. Great service over all.

We had to close in about 2 1/2 weeks. Tracy was very responsive and kept us up-to-date and informed. We were able to Close on time. Great service over all.

1 month ago

Posted on Google

Working with Tracy and Lending Dream was such a great experience. They made the whole mortgage process easy to follow, answered all my questions quickly, and kept everything moving smoothly. Closing was simple and stress-free, and I really appreciated how ...

Working with Tracy and Lending Dream was such a great experience. They made the whole mortgage process easy to follow, answered all my questions quickly, and kept everything moving smoothly. Closing was simple and stress-free, and I really appreciated how clear and supportive they were the whole way through. Highly recommend!

1 month ago

Posted on Google

We had a great experience working with Tracey to refinance our mortgage. She took the time to explain all options clearly and found us a great rate that we're really happy with. Throughout the process, Tracey was always quick to respond to any questions w ...

We had a great experience working with Tracey to refinance our mortgage. She took the time to explain all options clearly and found us a great rate that we're really happy with. Throughout the process, Tracey was always quick to respond to any questions we had and kept everything on track, making what could have been a stressful experience feel smooth and straightforward. We would highly recommend Tracy and Lending Dream Mortgage to anyone looking outstanding mortgage service !

1 month ago

Posted on Google

My loan officer Tracy was extremely professional and helpful throughout my loan process. She was patient, knowledgeable, and always quick to respond to my questions. Thanks to her guidance, everything went smoothly from start to finish. I highly recommend ...

My loan officer Tracy was extremely professional and helpful throughout my loan process. She was patient, knowledgeable, and always quick to respond to my questions. Thanks to her guidance, everything went smoothly from start to finish. I highly recommend her to anyone looking for a reliable loan officer.”

1 month ago

Posted on Google

Tracy provided swift response on any queries, polite and helpful. I recommend using their service for your mortgage needs.

Tracy provided swift response on any queries, polite and helpful. I recommend using their service for your mortgage needs.

Gurumurthy Bisleri

1 month ago

Posted on Google

Great experience working with Leading Dream. The response time was quick and the process was easy.

Great experience working with Leading Dream. The response time was quick and the process was easy.

1 month ago

Posted on Google

Tracy secured us a good rate lock and guided through out the process , very easy to work with and exceptionally speedy process . Helped us close the refinancing way earlier than I anticipated (less than two weeks). Would definitely recommend for anyone .

Tracy secured us a good rate lock and guided through out the process , very easy to work with and exceptionally speedy process . Helped us close the refinancing way earlier than I anticipated (less than two weeks). Would definitely recommend for anyone .

Pushpak Vasanth Rayudu Arja

1 month ago

Posted on Google

We recently worked with Lending Dream Mortgage for our home purchase, and the experience was excellent from start to finish. Tracy Zhou was very professional, responsive, and patient in guiding us through the entire process. She answered all of our questi ...

We recently worked with Lending Dream Mortgage for our home purchase, and the experience was excellent from start to finish. Tracy Zhou was very professional, responsive, and patient in guiding us through the entire process. She answered all of our questions promptly and made what could have been a stressful time feel smooth and manageable. We are truly grateful for her support and expertise. We would highly recommend Lending Dream Mortgage, and especially Tracy, to anyone looking for a reliable and caring mortgage service.

Hsien-Lien Huang (Steve)

2 months ago

Posted on Google

We worked with Tracy Zhou to secure financing for our new home, and the experience was excellent from start to finish. She helped us find the best rate on our 5-year ARM and guided us through the process with clarity and professionalism. My husband is a ...

We worked with Tracy Zhou to secure financing for our new home, and the experience was excellent from start to finish. She helped us find the best rate on our 5-year ARM and guided us through the process with clarity and professionalism. My husband is a finance professional, he set a very high bar for anyone working in this field, and Tracy not only met but exceeded those expectations. She demonstrated deep knowledge, attention to detail, and a commitment to ensuring we fully understood our options. Thanks to her efforts, the process was smooth, transparent, and ultimately very successful. Overall, it was a great experience, and I would highly recommend Tracy to anyone looking for a knowledgeable and reliable loan agent.

2 months ago

Posted on Google

Tracy is absolutely great! From start to finish, Tracy made the mortgage process smooth, transparent, and stress-free. It’s a kind of tough case within a tight closing time window, but she helped us to make it in the end! We even got a better rate than th ...

Tracy is absolutely great! From start to finish, Tracy made the mortgage process smooth, transparent, and stress-free. It’s a kind of tough case within a tight closing time window, but she helped us to make it in the end! We even got a better rate than the expected. She’s always supportive, professional, and responsive. It was an amazing experience working with Tracy and her team. I highly recommend Tracy and Lending Dream Mortgage to anyone looking for a reliable and supportive mortgage partner!

2 months ago

Posted on Google

2 months ago

Posted on Google

Tracy reviewed all our options very clearly. She offered the best rates compared to 5 different lending institutions. Closed faster than 30 days due to Tracy's quick response to actions. Will definitely consider lending dream for future lending needs.

Tracy reviewed all our options very clearly. She offered the best rates compared to 5 different lending institutions. Closed faster than 30 days due to Tracy's quick response to actions. Will definitely consider lending dream for future lending needs.

3 months ago

Posted on Google

Tracy was absolutely amazing. She was very clear on what was offered and always available to answer questions as we went through the process. I hope to work with her again in the future!

Tracy was absolutely amazing. She was very clear on what was offered and always available to answer questions as we went through the process. I hope to work with her again in the future!

Phillip Johnson

3 months ago

Posted on Google

Nancy is incredibly professional and patient. She took the time to help me understand how to evaluate the best mortgage deal and made the whole process much less overwhelming. Her communication is excellent—always clear, timely, and thorough. What really ...

Nancy is incredibly professional and patient. She took the time to help me understand how to evaluate the best mortgage deal and made the whole process much less overwhelming. Her communication is excellent—always clear, timely, and thorough. What really stood out is her strong sense of ownership and how hard she worked to ensure everything went smoothly. I truly felt supported every step of the way. Highly recommend! Nancy 非常专业且有耐心。在整个过程中，她不仅耐心地教我如何评估最合适的房贷方案，还帮助我理清了很多复杂的信息。她的沟通非常到位，及时、清晰、高效。最让我印象深刻的是她强烈的责任感和敬业精神，始终全力以赴，确保每一个细节都处理得妥妥当当。整个过程让我感到非常安心，非常推荐 Nancy！

3 months ago

Posted on Google

Tracy is so professional and the whole process is so smooth! Thank you Tracy!

Tracy is so professional and the whole process is so smooth! Thank you Tracy!

3 months ago

Posted on Google

Tracy was the best. Very responsive and helpful! Had a great experience with her.

Tracy was the best. Very responsive and helpful! Had a great experience with her.

3 months ago

Posted on Google

Our experience with Tracy was exceptional from beginning to end. She exhibited the highest level of professionalism, responsiveness, and diligence, consistently going above and beyond to ensure our needs were fully understood and met. Tracy secured the mo ...

Our experience with Tracy was exceptional from beginning to end. She exhibited the highest level of professionalism, responsiveness, and diligence, consistently going above and beyond to ensure our needs were fully understood and met. Tracy secured the most competitive mortgage rates available on the market and guided us through a seamless and efficient loan process with clear, timely communication and thorough explanations at every step. Her expertise and commitment made a meaningful difference, and we would confidently return to her for any future refinancing needs. We highly recommend Tracy and Lending Dream Mortgage to anyone seeking outstanding mortgage service!

3 months ago

Posted on Google

Tracy has been nothing but professional and dedicated while processing my mortgage! Gave us tons of great tips, would definitely recommend!

Tracy has been nothing but professional and dedicated while processing my mortgage! Gave us tons of great tips, would definitely recommend!

4 months ago

Posted on Google

4 months ago

Posted on Google

4 months ago

Posted on Google

I recently had the pleasure of working with Nan for my home purchase, and I couldn’t be more impressed. From start to finish, the process was smooth, transparent, and stress-free. Nan took the time to explain every step, answered all my questions promptly ...

I recently had the pleasure of working with Nan for my home purchase, and I couldn’t be more impressed. From start to finish, the process was smooth, transparent, and stress-free. Nan took the time to explain every step, answered all my questions promptly, and made sure I felt confident throughout the entire journey. It’s rare to find someone so knowledgeable, responsive, and genuinely invested in helping their clients succeed. I’m incredibly grateful for the support and would highly recommend Nan and her company to anyone looking to finance a home.

5 months ago

Posted on Google

Leading Dream is professional, they are responsive and fast, and they can provide competitive price

Leading Dream is professional, they are responsive and fast, and they can provide competitive price

5 months ago

Posted on Google

We are so grateful to have worked with Tracy during our homebuying journey! From start to finish, she was incredibly patient, helpful, and always available to answer our questions — no matter how big or small. Tracy truly went above and beyond to guide us ...

We are so grateful to have worked with Tracy during our homebuying journey! From start to finish, she was incredibly patient, helpful, and always available to answer our questions — no matter how big or small. Tracy truly went above and beyond to guide us through the lending process and made everything feel so much less overwhelming. What really stood out to us was how caring and genuine she is. She didn’t just treat us like clients — she felt like a friend who truly had our best interest at heart. Her openness, honesty, and constant support made such a difference, and we couldn’t have asked for a better lender. If you’re looking for someone knowledgeable, kind, and trustworthy to help you navigate the lending process, we can’t recommend Tracy enough!

5 months ago

Posted on Google

5 months ago

Posted on Google

We cannot recommend Tracy enough! From start to finish, she made our homebuying journey smooth, transparent, and even enjoyable. As first-time buyers, we had countless questions, and Tracy patiently guided us through every step with expertise and genuine ...

We cannot recommend Tracy enough! From start to finish, she made our homebuying journey smooth, transparent, and even enjoyable. As first-time buyers, we had countless questions, and Tracy patiently guided us through every step with expertise and genuine care. Thanks to Tracy, we closed on time and with confidence. If you want a lender who treats you like family while delivering top-tier professionalism, Tracy is the one!

6 months ago

Posted on Google

If you're looking for the best mortgage rate and a stress-free closing, look no further than Tracy. She's a true professional and I highly recommend her services.

If you're looking for the best mortgage rate and a stress-free closing, look no further than Tracy. She's a true professional and I highly recommend her services.

6 months ago

Posted on Google

I had a great experience working with Tracy. She was quick, efficient, and made the whole mortgage process smooth and stress-free. She got me a great rate with low fees, and everything was transparent from the start. She’s sharp, no-nonsense, and gets thi ...

I had a great experience working with Tracy. She was quick, efficient, and made the whole mortgage process smooth and stress-free. She got me a great rate with low fees, and everything was transparent from the start. She’s sharp, no-nonsense, and gets things done — exactly the kind of person you want on your side. Super easy to work with, and I’ll definitely continue working with her in the future.

6 months ago

Posted on Google

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.

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.

6 months 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.

6 months 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.

Vinaykrishnan Menon

6 months 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!

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!

6 months 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.

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.

7 months 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.

7 months 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!

7 months ago

Posted on Google