tracyzhou@lendingdreammortgage.com

Background image for

Get a Great Rate on a New Mortgage

See How Much You Can Afford or How Much You Can Save for FREE with Texas Local Lender.

Phone : 609-903-8043

Purchase Refinance

Loan Programs

Here at Lending Dream Mortgage, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

Learn More

Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation..

View Calculators

Mortgage News

Stay updated with the latest trends and news in the mortgage industry. Our Mortgage News section provides insights and updates to help you stay informed about market changes and opportunities.

Read More

Random Image

Introduction of Tracy

After moving to the States from China and earning my MBA in Managerial Finance at Clarkson University, I’ve been in the mortgage industry for over 10 years and have since served thousands of clients and their individual needs. I believe in the power of personalization, and I believe there is a tailored solution for every client.

Trusted Partner

I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.

Great Rates

I know that you want a great rate when you purchase or refinance a home! Our company offers some of the best rates in the industry.

Communication

Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.

Close on Time

I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

5.0

114 reviews

Write a review

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. ...

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!

3 weeks 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.

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.

3 weeks 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 respondin ...

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!

4 weeks 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 ...

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.

4 weeks 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 t ...

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!

1 month ago

Posted on Google

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

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

1 month 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 ...

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.

1 month ago

Posted on Google

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

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

1 month ago

Posted on Google

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

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

1 month 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 ...

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!

1 month 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 harde ...

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.

1 month 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 ...

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.

1 month ago

Posted on Google

2 months ago

Posted on Google

Working with Tracy was an absolute pleasure! As first-time homebuyers, we felt overwhelmed by the whole mortgage process, but Tracy simplified everyth ...

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!

2 months ago

Posted on Google

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

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

2 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. F ...

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

Richard Crowell

2 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 s ...

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!

2 months ago

Posted on Google

It was always good experience to get the professional service!

It was always good experience to get the professional service!

2 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. ...

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!

2 months ago

Posted on Google

Amazing service and professional support

Amazing service and professional support

2 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 worki ...

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!

3 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 iss ...

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!

3 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 co ...

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!

3 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 in ...

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!

4 months ago

Posted on Google

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

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

Gurumurthy Bisleri

5 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, re ...

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.

5 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. T ...

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!

5 months ago

Posted on Google

5 months ago

Posted on Google

6 months ago

Posted on Google

Tracy was excellent resource and guided us everyway throughout the loan process. She was very responsive, friendly, and knowledgeable. We had no issue ...

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.

6 months ago

Posted on Google

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

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

6 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 ...

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.

6 months ago

Posted on Google

Tracy assisted me in navigating the mortgage and closing process with great success. Throughout, her assistance was invaluable, as she consistently ex ...

Tracy assisted me in navigating the mortgage and closing process with great success. Throughout, her assistance was invaluable, as she consistently exhibited helpfulness and responsiveness. I wholeheartedly recommend her services!

6 months ago

Posted on Google

Dear Tracy,I am writing to express my sincere gratitude for the exceptional service you provided during my recent loan application process. Your profe ...

Dear Tracy,I am writing to express my sincere gratitude for the exceptional service you provided during my recent loan application process. Your professionalism, expertise, and dedication were truly impressive and made the entire experience smooth and stress-free. From the very beginning, you were attentive to my needs and concerns, answering all my questions promptly and thoroughly. Your clear explanations and guidance helped me understand each step of the process, which gave me great confidence in your abilities. Your attention to detail and commitment to finding the best possible loan terms for me was remarkable. I appreciated your regular updates and the way you kept me informed throughout the process. Your friendly and approachable manner made it easy to communicate and work with you. Thanks to your hard work and dedication, I was able to secure a loan that perfectly suits my needs. I am extremely satisfied with the outcome and grateful for your outstanding service. I will certainly recommend you to anyone in need of a loan broker. Thank you once again for your excellent support. Best regards,

6 months ago

Posted on Google

If you are looking for professional service and competitive rate, this is where you should go.

If you are looking for professional service and competitive rate, this is where you should go.

6 months ago

Posted on Google

Tracy, as an experienced loan broker, is very professional, meticulous, and responsible. When we urgently needed to apply for a loan, she helped us ge ...

Tracy, as an experienced loan broker, is very professional, meticulous, and responsible. When we urgently needed to apply for a loan, she helped us get it approved in just two weeks. Yesterday, on closing day, we successfully purchased our first home. She is also very patient; no matter what questions we had, she would explain everything to us carefully and thoroughly. We are grateful to have met such a broker.

6 months ago

Posted on Google

We feel lucky to work with Tracy on our home purchase. She is very approachable and maintains high level of professionalism throughout the whole proce ...

We feel lucky to work with Tracy on our home purchase. She is very approachable and maintains high level of professionalism throughout the whole process. Tracy is a pleasure to work with. I will definitely work with Tracy again in our future home transactions.

7 months ago

Posted on Google

Tracy is amazing! As first-time homebuyers, we were clueless, but she guided us through the loan process with expert advice and made everything so smo ...

Tracy is amazing! As first-time homebuyers, we were clueless, but she guided us through the loan process with expert advice and made everything so smooth for us. Tracy secured us the best rate possible and provided top-notch service. Highly recommend her to anyone looking for a loan officer!

7 months ago

Posted on Google

I just wrapped up getting my home loan with Lending Dream, and I have to say, they were fantastic! Right from the start, they were on the ball—super q ...

I just wrapped up getting my home loan with Lending Dream, and I have to say, they were fantastic! Right from the start, they were on the ball—super quick to answer any questions I had, and they made everything feel a lot simpler than I thought it would be. The team there is really dependable. Every time I reached out, I got clear, helpful responses that made me feel confident I was in good hands. They know their stuff, and they’re really careful to cover all the bases, which I really appreciated. Honestly, getting a mortgage can be pretty overwhelming, but working with Lending Dream felt like having a friend in the business. They’re genuinely there to help and make sure everything goes smoothly. Big thanks to everyone at Lending Dream! I’d totally recommend them to anyone needing a hand with a mortgage.

7 months ago

Posted on Google

Very responsive and efficient. It was nice experience working with Tracy.

Very responsive and efficient. It was nice experience working with Tracy.

7 months ago

Posted on Google

Tracy is absolutely the best. She’s super responsive, patient, fast in closing and accurate on numbers. She even went extra miles to take time and he ...

Tracy is absolutely the best. She’s super responsive, patient, fast in closing and accurate on numbers. She even went extra miles to take time and help us on repairing the credit score, just to make sure we can qualify for a better rate. We felt so lucky and would highly recommend Tracy!

7 months ago

Posted on Google

I have worked with 3 different loan officers already and Tracy is definitely the most experienced, knowledgeable, trustworthy loan officer! She cares ...

I have worked with 3 different loan officers already and Tracy is definitely the most experienced, knowledgeable, trustworthy loan officer! She cares about your specific case and gives guidance in every step, providing peace of mind to the mortgage application. If you want to achieve the best rate, with a smooth process and excellent service/ communication, work with Tracy!

Qin Gu (Cecilia)

7 months ago

Posted on Google

I worked with Tracy for the past 1 month, the experience is really good. She is very prompt in answering my questions and prepare my material on time ...

I worked with Tracy for the past 1 month, the experience is really good. She is very prompt in answering my questions and prepare my material on time and with accuracy. My seller had last min contract change request (CD change request), Tracy is able to help me modify and finish within a very short time and helped me to get the keys on time.

7 months ago

Posted on Google

Tracy is professional, very patient and responsive. I had a great experience for her services in my mortgage application. Highly recommended!

Tracy is professional, very patient and responsive. I had a great experience for her services in my mortgage application. Highly recommended!

7 months ago

Posted on Google

I went through my first loan quite smoothly with Tracy. My last loaner said my visa can't get the loan and Tracy is very experience in immigrants loan ...

I went through my first loan quite smoothly with Tracy. My last loaner said my visa can't get the loan and Tracy is very experience in immigrants loan. She gave me all the key information to get the loan and the final closing is unexpectedly smooth. Appreciate Tracy's work.

8 months ago

Posted on Google

Tracy is great, very patient and responsive, always available to answer my inquiries and questions. I am very happy for her services in my mortgage ap ...

Tracy is great, very patient and responsive, always available to answer my inquiries and questions. I am very happy for her services in my mortgage application. Looking forward to utilize lending dream mortgage again when it’s time to refinance.

8 months ago

Posted on Google

Tracy helped me with my mortgage application in home closing. She was transparent with all the costs from the very beginning. In the process, she was ...

Tracy helped me with my mortgage application in home closing. She was transparent with all the costs from the very beginning. In the process, she was very responsive, attentive, and flexible. She was one of the best loan officer I've worked with. Highly recommended!

8 months ago

Posted on Google

TL;DR: Exceptional Service, Unbeatable Rates, and Prompt Responses at Lending Dream Mortgage Embarking on the journey to find our dream home, we were ...

TL;DR: Exceptional Service, Unbeatable Rates, and Prompt Responses at Lending Dream Mortgage Embarking on the journey to find our dream home, we were fortunate to have Tracy from Lending Dream Mortgage as our guide. Her expertise was evident in every interaction, and her ability to understand our needs made the mortgage process a breeze. Not only did Tracy provide us with personalized service, but she also offered us some of the most competitive mortgage rates in the market, coupled with exceptionally low fees. This combination of favorable rates and minimal costs was instrumental in making our dream home an affordable reality. What also truly set Tracy apart was her remarkable accessibility and swift responsiveness. No matter the day or hour, Tracy was there to answer our questions with clarity and speed, ensuring we never felt in the dark about our mortgage options. For anyone seeking a mortgage broker who is as personable as they are professional, Tracy at Lending Dream Mortgage is the clear choice.

8 months ago

Posted on Google

We strongly recommend Tracy for her professionalism and the array of services she provides, which greatly impressed us. Tracy demonstrated immense pat ...

We strongly recommend Tracy for her professionalism and the array of services she provides, which greatly impressed us. Tracy demonstrated immense patience in addressing our concerns whenever we had any questions. Her reliability made the loan process smooth and worry-free. We highly trust this company and its services and encourage anyone seeking loan advice and assistance to contact Tracy and her team. Their efficiency, friendliness, and professionalism ensured we received the best service experience.

8 months ago

Posted on Google

I have worked with Tracy for two homes, she has been very professional and helpful throughout the whole loan process. They have very competitive rate. ...

I have worked with Tracy for two homes, she has been very professional and helpful throughout the whole loan process. They have very competitive rate. I would use her service again.

8 months ago

Posted on Google