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

Gurumurthy Bisleri

1 week ago

Posted on Google

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

Chen Wei

2 weeks 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 .

Pushpak Vasanth Rayudu Arja

2 weeks 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.

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Hsien-Lien Huang (Steve)

2 weeks 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.

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Xiao Lin

1 month 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!

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1 month ago

1 month ago

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.

Alfonso Arce

1 month 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!

Phillip Johnson

1 month 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！

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K W

2 months ago

Posted on Google

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

Lin Pan

2 months ago

Posted on Google

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

Vivian G

2 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!

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Min Wang

2 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!

2 months ago

3 months ago

3 months ago

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.

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Tracy Dong

4 months ago

Posted on Google

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

Yinglai Xia

4 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!

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4 months ago

4 months ago

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!

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Caroline Yu

4 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.

Dinesh Patil

4 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.

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Zaman Zamanli

5 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.

Zhedong Ma

5 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.

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Tingting Zhou

5 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.

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Vinaykrishnan Menon

5 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!

Wei Yu

5 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.

Jesse Kwilosz

5 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.

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Hui Zhang

5 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!

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Luke Wang

5 months 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

5 months 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

5 months 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

5 months 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

6 months 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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6 months ago

6 months 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

6 months 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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6 months ago

7 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

8 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

9 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

10 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

10 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

10 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

10 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

10 months ago

Posted on Google

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

tony hua

11 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

11 months ago

Posted on Google

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

sandeep san

11 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

11 months ago

Posted on Google

Customer Testimonials