I found Judy on Instagram back in May and I was so impressed with all her posts of clients closing on their homes. The power of social media is quite strong nowadays and I’m glad I found Judy. It took us months to find our first home but the loan process was so smooth and easy. Judy and her team were always there to answer my questions and concerns. We closed on our first home this past Monday and our family is settling in quite nicely. Thank you so much Judy!

Highly recommended for anyone going through this process..esp for the first time. She was there every step of the way for guidance and truly made this process easy. Closing was a breeze and I walked away feeling blessed for my new home and the people who helped make it all possible. My family and I can’t say thank you enough!

Lyndsey Driscoll 5 star I cannot say enough good things about Judy! I dealt with a couple lenders before I was referred to her and no one compared! She was always there to answer all of my questions and was there to help every step of the way. I had stressed about this process for a long time but as soon as I started working with Judy it turned out to be one of the easiest and smoothest processes! (which I did not think was even possible!) I closed on my first house yesterday and could not be happier! If you are looking for a lender I promise you will not be disappointed! 🙂

Nelson Phillips 5 star I have worked with Judy for years, and I can tell you that she is one of the most professional Mortgage Lenders I have had the pleasure to work with.
Whether you are a Real Estate Agent, or a person just looking to get your mortgage refinanced you will find the experience to be a very positive one!

Judy is a wonderful person to work with. She answered all my questions and helped me every step of the way. She was quick with responses, professional and thorough and we were able to close in just 18 days from start to finish!!! Thank you Judy!!!!


We recently decided to refinance our mortgage and requested a quote on lendingtree.com. We had so many replies instantly so we decided to use the first come first serve basis. We immediately advised the lender that we have not yet filed our 2012 taxes but they continued to pursue the loan process scheduling an appraisal of our home, charging a $250.00 lock in fee and locking in our interest rate. After several weeks they implied that they could not process the loan and advised that if any other company said they could process our refinance without this documentation was a liar. I called Judy and advised her of our situation and she laughed replying that she had been able to process loans in the past with the same situation. Through Judy’s hard work within weeks we closed on our loan and received a lower interest rate and lower monthly payments too. We highly recommend Judy for your mortgage needs.

Dale and Buddy Alter

My Wife and I recently refinanced our home mortgage with Judy Kristensen. Judy responded to my request with Lending Tree and I chose to work with Judy after speaking to several mortgage brokers based on her pleasant demeanor and her sincerity.

I wanted to take this opportunity to let you know how much we appreciated that work that Judy did for us. From the very first call she was pleasant, professional and knowledgeable. She explained several options for us and helped me select the best option for our situation. Judy was invaluable in helping me navigate through the process. She was very patient with my many questions as we spoke on the phone several times a day as the application process progressed. Her responsiveness and “customer service” were in a word- excellent.

I would highly recommend Judy Kristensen based on her work and look forward to serving as a reference. I would highly recommend her to others who may be in need of your services. Thank you.


I have used Judy’s services several times to
refinance my houses in Norfolk and Richmond.  Each time, Judy did an
outstanding job and was focused on putting together the best arrangement and
rate for the transaction.  She pays attention to every detail  and is
always available to answer questions.   Judy is very efficient and
she delivers what she promises.   I have recommended Judy to a number
of friends and business colleagues and they have been very pleased with how
their financings and refinancings were handled.   I intend to use Judy’s
services in the future when I buy houses for my children.  I heartily
recommend her! 


Judy really poured her heart and soul into getting us the best possible mortgage on our recent home purchase. She worked very, very, VERY hard for us– and communicated with us effectively throughout the entire process. My wife Nicole and I both felt that she was our advocate rather than working in the best interests of a bank or a lender. There were no hidden last minute fees or charges, and definitely no tricky business. Judy is a straight-shooter who seems to really enjoy what she does, and that made a huge impact on us. We would strongly recommend Judy to anyone in the market for a mortgage. 

-Daniel Puls & Nicole Fieber

Thank you for working so diligently on our behalf. I will be recommending you to anyone that is looking to refinance their home!


Just a quick note to let you know just how pleased I was with Ms. Judy, who handled my refinance. She did everything she promised from the first phone conversation to the closing. She was extremely helpful and patient with all of the most ignorant questions I had for her. You should be very pleased should you use her services. She is a tremendous asset to her company. I have requested additional business cards to pass along and have sent my boss her way and hopefully she can be of assistance to him. Thanks again!

-Kate L.

2 thoughts on “Testimonials

  1. Judy is awesome! She helped my wife and me refinance our mortgage and worked until the very end until she could get us what we needed. What a true professional! Thank you!

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