Judy Kristensen, Virginia Loan Lady
NMLS#266551 Company#1788

Sierra Pacific Mortgage

4112 Innslake Dr Suite B

Glen Allen , VA 23060

Get to know Judy Kristensen

I am a... Mortgage Loan Officer/ Self-Motivated / Golfer/ Tennis Player/ Dog Lover/ Gardener/ Mountain Biker/ Skier/ Hiker/ Fitness Freak/ Farmers Market Lover/ Shopper


NMLS #266551 Company #1788 BSBA in Finance BSBA in Real Estate


Mortgage Lending Refinance Loans Purchase Loans FHA USDA Conventional VA Credit Building/Rescore

Testimonials for Judy Kristensen

  • Dale and Buddy Alter

    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.

  • -Tom

    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.

  • ML

    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!

  • Daniel Puls & Nicole Fieber

    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.

    Service Areas (7)
    • Midlothian, VA
    • Richmond City, VA
    • Hanover County, VA
    • Powhatan County, VA
    • Chesterfield County, VA
    • Virginia Beach City, VA
    • Alexandria City, VA
    • Chesapeake City, VA
    Specialties (16)
    • Appraisals
    • Buyers
    • Condos/Townhomes
    • Eco-Friendly
    • Farm Land
    • Investment Properties
    • Luxury Homes
    • Military Relocation
    • New Construction
    • Relocation
    • Renters
    • REO/Bank Owned
    • Residential
    • Sellers
    • Seniors
    • Short Sales
    Languages (1)
    • English