Judy Shao 邵菊芳 新美貸款銀行資深金牌貸款專員-Summit Mortgage Bankers: 908-392-5266, 1876 Route 27, #206; Edison, NJ 08817
Judy Shao 邵菊芳 新美貸款銀行資深金牌貸款專員-Summit Mortgage Bankers: 908-392-5266, 1876 Route 27, #206; Edison, NJ 08817

Testimonials For Judy Shao

I never knew the refinance process could be so pain and hassle free until I met Judy. Everything was done electronically through email or a few calls. She gave very clear & direct instructions on what needed to be provided and her response time was always lightning fast! I've done three refinances with her in the past 2 years and have never had any issue with the whole process. She even arranged to have the closing in the comfort of my own kitchen on a Saturday morning because she knew I had two young children and a full time job. I highly recommend her as she's experienced, trustworthy and caring!
-- Shirley Park, Revemue Manager 2, Upper Saddle River, New Jersey

I highly recommend Judy. I got my mortgage through Judy when I purchsed my home. It was a very smooth and no-hassel process. Judy never asked for the same document/information for twice from me. She gave me clear, unambiguous instructions about what documetns are needed and what was the next step. Everything was working as planned. And the rate was great. Communicating with Judy was very easy. She was very responsive, always answered my questions/emails whithin half an hour. When there were needs to give more explnations, she would call me. Her explanations/answers were very clear and always made me comfortable. My good friend had recommend her to me. I do not regret. Now I bet you wont regret either.
-- Shunan Lin, Montgomery, NJ

Judy Shao is a professional, experienced, and responsible mortgage broker. I have worked with her on my mortgage finance and refinance several times. Each time, she can timely tell me the lowest mortgage rate on the market and the best time for refinance. She checked the mortgage application and submitted documents carefully before loan processing and ensure a timely loan processing, approval and closing. She is the broker who can take care of whole loan process from beginning to end. She is the best mortgage broker I know and trust.
-- Harry Guo, CFA - QRV Group, NYC

I have worked with Judy on refinancing my house several times. For each of these transactions, Judy showed her professionalism of courteous, considerate and detail-oriented. She follows through each case using her experience in the field with great patience, not to mention giving me the best rate I can get every time. She also helped couple of my friends and the feedback from them are nothing but praise. I'd definitely refer her to any of my friends / relatives without a slight hesitation. If you are looking for purchasing or refinancing, she's the best broker out there.
-- Yong Lu, WebMD, Manager, Database Operation

I have known Judy for many years as her client. The service and personal attention I reiceived from Judy was exceptional and unexpected from other mortgage brokers. Her knowledge of mortgage and finance helped me saving when finance and refinance of my home. After patiently going through all documentation and any details with us, she made sure I got the best rate at best time for our refinance.
Regardless of whether you are for initial finance or for refinance l'd highly recommend Judy to help you in this money saving move. I could not have asked for a better broker to guide me through the process.

-- Xiaoming Liu, MD, Internal Medicine, Freehold NJ

Judy,
Thank you so much for initiating this refinancing and helping us save money.
You are very professional and always quick in response. Providing true and insight advise to clients. I would definitely recommend you to all my friends.

-- Ching Yin, Vice President , Lamont Financial Service

I sincerely appreciate the excellent service that we have received from Judy in the past 12 months related to multiple transactions from original purchase to refinancing. In particular, I thank her for her honesty and integrity. In this competitive market, we have deal with unprofessional loan officers who have made false promises and were unable to deliver what they promised. However, in our interactions with Judy, she has always acted very professionally and has never attempted to "match" those unreasonable offers just to get the customer. She very clearly discloses all potential charges and fees associated with each transaction. We specifically recall one refinancing case where she made the effort to drive to New York to deliver some paperwork to ensure that our locked rate would not be expired. I am also grateful for her willingness to go the extra mile in reminding us to seek professional opinions during the purchase of our home last year and for referring us to other related services for which we were equally satisfied. I think Judy sets a good role model for those in this profession and I look forward to using her services again.
-- Zili Li, MD MPH Merck Co.

With Judy's help, we successfully refinanced our house twice to lower the interest rate. We were very happy with the way she handles the business. She was very patient, courteous, delightful and insightful. We trusted that she would do a great job each time. Every transaction went smoothly without any problems. Before we met, Judy always spent time getting everything fully prepared. She happily answered all of our questions with clear explanations. She succeeds because she cares. We are very pleased with her services. We strongly recommend her for our friends.
-- John Yu, College Professor.

Judy was recommended to us by our friends three years ago. We did three refinances with her so far. We are very pleased with the services. What impressed us most is that she always put her customers first. My wife and I never have any doubt that she will provide us with the best rate. She also saved us lots of time by making it a breeze to handle the endless amount of paperwork. It's been very pleasant working with Judy, we will not hesitate to recommend her to any of our friends.
-- Liang Chao and Jim Wang, Livingston, Essex, NJ

My family and I felt very fortunate to know Judy with Summit Mortgage. With Judy's help, we were able to secure a mortgage with the lowest rate at the time. The plan suited our financial situation nicely and, above all, gave us peace of mind during the financial crisis. This is easier said than done, as it took more than a year since we initially contacted Judy to make this happen. During the period, Judy had always put our interest in mind and never given up on us. She closely monitored the rate changes and took great effort to run possibilities that could benefit us. On the other hand, she would never solicit us to simply make a deal. We always felt we were in responsible hands when Judy was working on our case. We strongly recommend Judy to anyone in need of a mortgage. She is a one-stop shop for the best rates and fees. Most importantly, she would treat you with respect, consideration, and professionalism. Simply for these reasons, we'd like to say "Thank you, Judy".
-- Hao Chen, Financial Analyst, Goldman Sachs

Judy have been our loan officer and friend for five years and we are just closing with her last week for the fifth time. We feel very lucky to know her and get help from her in our refinance. She monitors the rate change closely and acts very quickly once she found low rate. Therefore she always get the best rate for her client. She makes all the phone calls to the third parties involved during the refinance process, and handles all the documents for me. She is very professional and knowledgeable. The best of all, she is very trustable and always in my side. I have recommended her to many friends, and everyone came back with very positive experience. Judy, you makes the refinance becoming a happy procedure for us. Judy, Rocks!
-- Weili and Carol, Bridgewater, NJ

You want a best mortgage rate, but you often don't have time to follow the market everyday and you often don't find a right bank who offers you; When you are talking to a bank who can offer you, you often don't hear the key points clearly which you concern mostly such as a suitable mortgage product with payment structure and potential risk and most importantly - the cost, instead you will be told a lots including many "if this then... and if that then..."; Finally when you think you understand enough and go to the process, you then will be asked for all different documentation day by day till the last minutes before closing; Furthermore, it is not always guaranteed that you will get the loan.
Judy Shao, a professional mortgage broker then our friend after serving us with two mortgage loans successfully, will be the best person who will help all your needs efficiently including solving all above issues. Ten months ago after we completed our purchase loan with her, I mentioned that "if in the future there is a chance, please call me for refinancing our mortgage with even lower rate". She tracked the market for me silently in the daily base then called me a month ago to offer me a nine-month low. After I submitted two necessary updated documentations, next time she called (emailed) me was to sign the closing statement. Plus, third day after the closing, I received the check from her firm by mail and her follow-up letter by email, refunding me the total refinancing cost as promised at the beginning. Judy does not only do her work efficiently and professionally, but also cares about her clients with reliable and trustable service.

-- Walter Wang, Director, Merrill Lynch NY

Judy helped us with mortgage refinance a couple of times over the last year. In this volatile interest rate environment, it is reassuring to have someone like Judy looking out for me, staying on top of changes in mortgage rates, and promptly advising me on the next move. Judy took the hassle out of a homeowner's stressful refinancing experience.
-- Zhao Sun, West Windsor, NJ

Thank you so much for your help to close the mortgage two weeks ago. In the current tough market with strict requirements, your broad experience and professionalism really made a huge difference. Without your extreme effort and dedication, we could not get the mortgage approved and closed within 5 business days after another bank stuck on some fault credit report for a month.
Jen and I greatly appreciate your professional service, dedication, and knowledgeable advice. It was a great experience doing business with you. You will be the person we will go to if we need any loan again in the future. We also will recommend you to our friends without reservation.

-- Ben Zhang, Short Hills, New Jersey

This is the best mortage loan officer ever. We were so lucky to have Judy Shao from SMB as our loan officer. We had to close on our new house within 2 weeks. After experiencing the extremely slow process and the worst customer service with a major national bank, we switched to Judy from SMB. Judy offered the the best customer service one can ever image and she gave us a super mortgage interest rate. Most of all, she helped us close on the mortage and the house within 10 business days while mainting high quality of underwriting and mortgage review. We could not thank Judy enough for her excellent service and tremendous help!
-- Fang Liu, Merck & Co, Inc. Rahway, NJ

I highly recommend Judy Shao as your next loan officer. We contacted Judy about refinancing our home in late November, and we closed it by mid December! Judy listened to and understood our financial situation, and recommended a loan different than what I had in mind when the process started. In the end, it turned to be our best route to achieve our ultimate goal. Through our refinancing, I found Judy to be efficient, professional, detail-oriented, knowledgeable, and always available for my endless questions. She guided us through the complicated process, and made sure the transaction was done in a timely fashion with high quality. We are very satisfied with Judy's service.
-- L. Chen, Carteret, NJ

Thanks again for all your help and assistance in getting my refinance completed without any problems. Working with you on this was a great experience. In fact compared to the ordeals I had to go through with my previous banker when I first bought a home, working with you and your company was a breeze. Your work ethic, communication skills and the way you kept answering all my questions were exceptional. Hats off to you. Hope you keep up your good work and if any of my friends comes to me asking for advice on financing or refinancing a home I will certainly refer them to you and your company. Appreciate everything that you did to get my refinancing completed successfully and efficiently. Please convey my thanks and appreciation to every involved as well.
- Sree Rangarajan

Just a quick note to say Thanks! For all you help with our second financing with you Judy... We always enjoy working with you and really appreciate your professionalism, diligence and patience.
-- Galina & Leo Zhelnin, Princeton, New Jersey

The refinance of my home was a great experience compared to my last refinance. I didn't know anyone so I picked Judy from her Ad in the newspaper. I did not expect too much but Judy surprised me. She is so professional, organized and fast at her work and yet nice and easy going. It was a pleasure to work with her. If the rates get better, I know who I am going to go with for my next refinance.
-- Ruojun Huang , D.D.S New Jersey

Thank you very much, Judy, for all your hard work to get the refinance done for me. That is a big relief for my side with that big cut in interest rate. I am very happy. I also appreciate your professionalism, customer orientation, and swift on paper work and details. I hope to work with you in near future.
-- Ray Zhu, Vice President, Medical Research Inc, New Jersey

I would sincerely recommend Judy Shao to people I know for their mortgages, either buying a new home or refinance. Judy have provided us with excellent service, not just once but twice, for our mortgage refinance with the rate almost no one else can beat at the time of the lock up. It was actually better than I expected. I believe the lowest possible rate is the ultimate of what people want to get a mortgage or refinance. Of course, we also enjoyed working with her because of her professional experience, accuracy and efficiency during the complex of refinancing of our mortgage. In future, I look forward to working with Judy again when the time is RIGHT.
-- Richard Wei, West Windsor, NJ

Bernice and I would like to thank you so much for making our first home buying experience so smooth, easy, and headache free. We didn't think it could be this easy and this fast. Especially in less than 1 month since Feb is a short month, also VERY affordable cost for all services. I would definitely recommend you to our friends who will be buying in the future and would use your service again if we need refi or buy another home in the future. Thanks again!
-- Bernice Deng, Director, Morgan Statley & David Sun, Prudential Insurance Co, NJ





邵菊芳-新美貸款銀行資深金牌貸款專員 (Judy Shao-Summit Mortgage Bankers, Gold Ribbon Loan Officer)
E-mail: judy.shao@smb-mortgage.com; Tel: (908) 392-5266; Fax: 732-601-4339
NMLS #247708; 1876 Route 27, #206, Edison, NJ 08817