JUDY STEVENS

Licensed Mortgage Loan Originator

Office
(303) 255-5941
Mobile
(303) 870-0043
Email
jstevens@megastarfinancial.com
Address
12000 Pecos St, Suite 340, Westminster CO 80234
Licensing
NMLS 281065 | CO LMB 100017818
Since 1982 I have been blessed to have a carreer as a mortgage loan officer. From first-time buyer to seasoned real estate investor, I take pride in providing education and information to enable borrowers to identify the best mortgage for their individual needs and goals.

I am especially honored to have assisted many borrowers with multiple mortgage transactions as they transition from first time homebuyer to their forever home. My business is built through referrals from current clients and amazing referral partners..

I am pleased to be working with the same professional team including my branch manager, loan processor, and closer for over 20 years. Our team is committed to continuing to refine our skills and knowledge with the ultimate goal of providing excellent service to everyone we have the honor of working with.

In addition to being passionate about my career I enjoy travel, theater and spending time with family, especially my amazing grandchildren!

TESTIMONIALS

“Judy and her team are very efficient!”
★★★★★
– Kim M


“Judy as in the past went above and beyond. We have always been impressed with her kindness, thoughtfulness and hard work to not only get us into our home but in refinancing it as well.”
★★★★★
– Mike M


“Judy Stevens is the best! I will never again go with anyone else!”
★★★★★
– Kim M


“Judy did an excellent job and we even got to close early!”
★★★★★
– Caleb R


“Judy is always super helpful and easy to work with. She has always helped us with all of our transactions. She’s the best!!”
★★★★★
– Jonnie P


“Judy was great!! Judy is extremely knowledgeable and goes above and beyond in making sure you understand every step of the process. I highly recommend Judy!!”
★★★★★
– Satisfied Customer


“I think Judy and the people she worked with did an amazing job. We have worked with Judy many times and she is always very helpful and gets things done very fast. We also worked with Kari Morrison and she helped us a lot too.”
★★★★★
– Jennifer H


“Judy worked long and hard for my Buyers. Even when she went away on a long, but pre-planned out vacation, she never missed a beat!”
★★★★★
– Sarah@EmpoweringWomenWithRealEstate.com


“Judy is wonderful! She is very professional, her communication was great, always quick to respond to your emails, and patient. She made the entire process easier.”
★★★★★
– Satisfied Customer


“Smooth and efficient.”
★★★★★
– Jon Q


“Judy is amazing!!!”
★★★★★
– Shelby E


“I have worked with Judy for many years and have referred her to friends of mine as well. It has always been a pleasant experience working with her.”
★★★★★
– Raf A.


“Judy was fantastic to work with. She went the extra mile to get our family the best loan and rate for our new property. I would highly recommend her services.”
★★★★★
– Kristin O.


“Judy went out of her way to communicate every step and make sure things were done properly. This is the 3rd time we have used her as our loan officer and there is a reason why we continue to come back.”
★★★★★
– Greg A


“Judy went above and beyond to help us with this whole process! She’s amazing!!”
★★★★★
– Rheada E.


“Amazing experience from start to finish. Could not be happier working with Judy.
★★★★★
–Jesse E


“Your form has a new entry. Here are all the answers. Email address janamcarlson@mac.com What is the name of the Loan Officer you worked with? Judy Stevens Please rate your overall experience working with our MegaStar team. Extremely Satisfied Overall, how satisfied were you in your experience working with your Loan Officer? Extremely Satisfied Are you satisfied that your Loan Officer did their best to educate you on all your options, walked you through each step of the process, and took the time to align you with a loan program that best fit your circumstances? Extremely Satisfied Do you feel satisfied that your loan process was completed in as smooth and timely a manner as possible, considering all circumstances? Extremely Satisfied Please share any additional comments or feedback from your experience.”
★★★★★
– Jana C.


“Judy Stevens made us very comfortable with the process which can be a little confusing. I truly can not say enough good things about our experiences with Megastar and specially Judy Stevens & her team. Top to bottom, start to finish our expectations were not only meet be exceeded!”
★★★★★
– David P


“It’s amazing how Judy was always there, the communication from her was superb! I know Judy Stevens truly cares for her clients and looking out for their best interests! It was a pleasure to work with her and Megastar Financial!”
★★★★★
– Kathleen B


“We have worked with Judy before. She is extremely efficient and communicates everything very well. We wouldn’t want to work with anyone else!”
★★★★★
– Brenda H.


“It’s amazing how Judy was always there, the communication from her was superb! I know Judy Stevens truly cares for her clients and looking out for their best interests! It was a pleasure to work with her and Megastar Financial!”
★★★★★
– Kathleen B


“Judy did a great job. I was updated regularly. If i buy another house i would like to have her do the processing again”
★★★★★
– Del W


“Judy has been wonderful every time we have utilized her services.”
★★★★★
– Margaret W.


“Judy was AMAZING I’m so happy and pleased with how everything went! As being a first time at this Judy helped and answered all questions we had! She made this experience so great! So glad we got to work with her!!!!!”
★★★★★
– Megan A.


“It was great”
★★★★★
– Marisa Bevens


“Judy is always professional, helpful, and available. I’ve been impressed from our very first interaction.”
★★★★★
– Chanin G.


“Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.”
★★★★★
– Reviewer Firstname Lastinnitial


“We have had the pleasure of working with Judy for over a decade. Begining in 2008 with the purchase of our fist home, we were obviously new to the process and overwhelmed by the amount of information coming our way. Judy was so knowledgeable and patient explaining everything to us and answering all of our questions. When we were ready to move on to our second home there was no question about who to call in brokering our next purchase. In 2015 Judy helped us to navigate the process of selling and buying at the same time. Most recently in 2021 we worked with Judy to refinance, her knowledge, understanding, quick responses, and updates were so helpful throughout the process. Judy is and will continue to be our 1st contact when we are ready for our next home or refinancing opportuinity. Thank you Judy for your continued support!”
★★★★★
– Matt R


“Judy has worked with us for over 15 years in all of our housing loan needs. She is not only professional and helpful, but kind and caring. She is efficient in her job and we have only had success using Megastar.”
★★★★★
– Erin S.


“I have used Judy for many years”
★★★★★
– Frank W


“This is the third time working with Judy. She is always great to work with and I would recommend her to anyone looking to get a mortgage or refinance.”
★★★★★
– Randall T


“I have worked with Judy in the past and she is the best! The only person I will work with!”
★★★★★
– Kyle B


“Very smooth and easy! Judy is fantastic!”
★★★★★
– Michelle B


“Judy has been my loan officer for the past 11 yrs and I continue to return to her as she is very professional and knowledgable. She always has the best interest of her clients in mind. As long as she is around, I will continue to seek her services!”
★★★★★
– Francine M


“Very happy whit the experience”
★★★★★
– Rene Dominguez


“I would not go anywhere else for a mortgage loan!”
★★★★★
– Jay S


“Judy was awesome! Very patient and informative. I greatly appreciated the assistance provided.”
★★★★★
– Shaina B


“Thank you for all the help you were very professional and helpful”
★★★★★
– Paula L


“Judy is a consistent classy loan officer, always a job well done.”
★★★★★
– Candy T.


“Judy always kept me informed of all the steps that I had to take for my refinancing. She was available whenever I had a question. I have worked with Judy before and have recommended her to friends”
★★★★★
– Rita P


“If you want it done right and on time, call Judy Stevens”
★★★★★
– Jerry W


“Judy is the best. This is the third time we have worked with her and she is always professional, prompt, and very communicative.”
★★★★★
– Amanda K.


“Judy is such an expert and a leader in this field and I often recommend her to all of my friends and family.”
★★★★★
– Jennifer


“Judy was extremely professional and a delight to work with! She helped walked us through every step of the process and could not have made things any easier. I would highly recommend her to anyone!”
★★★★★
– Marisa R.


“Judy is awesome! She is honest, straightforward, beyond helpful and has great communication. All of which makes the process so easy and painless. This is my second loan with her and I will continue to use her services and recommend her to everyone. She’s the best!”
★★★★★
– Lena F.


“Judy is awesome! Her knowledge and responsiveness are top notch! She ensures that all options are explored that you understand all steps in the process.”
★★★★★
– Paul F


“Our loan was challenging due to multiple closings happening in a short period of time; Judy did an outstanding job helping us navigate those uncharted waters.”
★★★★★
– Pam S


“Judy was a great professional with which to work. Her ability to keep us informed every step of the way was needed and much appreciated. Nothing was left to chance and her communication with us was exceptional. One huge plus was that she was always available for any questions we may have had.”
★★★★★
– Raylene B


“Judy was professional, friendly, very informative and a pleasure to work with on our closing.”
★★★★★
– Pam S


“Judy made everything super easy to understand!”
★★★★★
– Marshall M


“Judy is a trusted loan representative that we will use and the future if needed.”
★★★★★
– Satisfied Customer


“Judy was beyond helpful. She would call on the weekends with the latest information. When I was confused and asked about things she had already told me, she was always kind and gracious to go over it again. She informed us step by step through the loan process. We would highly recommend Judy to anyone.”
★★★★★
– Ruthie W


“Judy is trustworthy and patient.”
★★★★★
– Julie C.


“Judy was fabulous. We are so grateful to have confidence that we made the best decisions in buying our first home with her guidance.”
★★★★★
– Alison M


“Judy and her team are great communicators and kept me updated throughout the whole transaction and I appreciation that very much.”
★★★★★
– Dawn DW


“Very professional and responsive”
★★★★★
– Don C.


“Judy is great to work with, she is professional, proactive, responsive and friendly.”
★★★★★
– Don C


“Judy is the best! She is the only person we have and will ever work with! Her knowlege and expertise are the best bar none!”
★★★★★
– Garrett G


“Judy has helped us buy two houses and to refinance both of them. She was a huge help!!”
★★★★★
– Satisfied Customer


“Judy Stevens is the only one I will use for my and my families mortgage needs. She’s that good!”
★★★★★
– Charles E


“Judy is wonderful! We called her about a year or 2 ago to do a refi. At that time it wasn’t beneficial for us. She called us when she knew it was beneficial. The process was great even through the Covid19 pandemic.”
★★★★★
– Heather H


“Judy did an excellent job keeping our clients informed and reached out to me whenever needed. She also helped to remind me of things she needed so I really appreciated working with her!”
★★★★★
– Kelly M


“Judy is a professional at what she does. I loved working with her and her experience. I would truly recommend her to everyone I know looking for a loan Keep it up Judy! Loved working with you! Thanks”
★★★★★
– Dee Bell


“Judy was great! She responded quickly from the first time I reached out to her. Extremely knowledgeable and her communication through the process was great! I’ll definitely refer her to my friends and family.”
★★★★★
– Amy G


“Great job”
★★★★★
– Satisfied Customer


TESTIMONIALS

“Judy and her team are very efficient!”
★★★★★
– Kim M


“Judy as in the past went above and beyond. We have always been impressed with her kindness, thoughtfulness and hard work to not only get us into our home but in refinancing it as well.”
★★★★★
– Mike M


“Judy Stevens is the best! I will never again go with anyone else!”
★★★★★
– Kim M


“Judy did an excellent job and we even got to close early!”
★★★★★
– Caleb R


“Judy is always super helpful and easy to work with. She has always helped us with all of our transactions. She’s the best!!”
★★★★★
– Jonnie P


“Judy was great!! Judy is extremely knowledgeable and goes above and beyond in making sure you understand every step of the process. I highly recommend Judy!!”
★★★★★
– Satisfied Customer


“I think Judy and the people she worked with did an amazing job. We have worked with Judy many times and she is always very helpful and gets things done very fast. We also worked with Kari Morrison and she helped us a lot too.”
★★★★★
– Jennifer H


“Judy worked long and hard for my Buyers. Even when she went away on a long, but pre-planned out vacation, she never missed a beat!”
★★★★★
– Sarah@EmpoweringWomenWithRealEstate.com


“Judy is wonderful! She is very professional, her communication was great, always quick to respond to your emails, and patient. She made the entire process easier.”
★★★★★
– Satisfied Customer


“Smooth and efficient.”
★★★★★
– Jon Q


“Judy is amazing!!!”
★★★★★
– Shelby E


“I have worked with Judy for many years and have referred her to friends of mine as well. It has always been a pleasant experience working with her.”
★★★★★
– Raf A.


“Judy was fantastic to work with. She went the extra mile to get our family the best loan and rate for our new property. I would highly recommend her services.”
★★★★★
– Kristin O.


“Judy went out of her way to communicate every step and make sure things were done properly. This is the 3rd time we have used her as our loan officer and there is a reason why we continue to come back.”
★★★★★
– Greg A


“Judy went above and beyond to help us with this whole process! She’s amazing!!”
★★★★★
– Rheada E.


“Amazing experience from start to finish. Could not be happier working with Judy.
★★★★★
–Jesse E


“Your form has a new entry. Here are all the answers. Email address janamcarlson@mac.com What is the name of the Loan Officer you worked with? Judy Stevens Please rate your overall experience working with our MegaStar team. Extremely Satisfied Overall, how satisfied were you in your experience working with your Loan Officer? Extremely Satisfied Are you satisfied that your Loan Officer did their best to educate you on all your options, walked you through each step of the process, and took the time to align you with a loan program that best fit your circumstances? Extremely Satisfied Do you feel satisfied that your loan process was completed in as smooth and timely a manner as possible, considering all circumstances? Extremely Satisfied Please share any additional comments or feedback from your experience.”
★★★★★
– Jana C.


“Judy Stevens made us very comfortable with the process which can be a little confusing. I truly can not say enough good things about our experiences with Megastar and specially Judy Stevens & her team. Top to bottom, start to finish our expectations were not only meet be exceeded!”
★★★★★
– David P


“It’s amazing how Judy was always there, the communication from her was superb! I know Judy Stevens truly cares for her clients and looking out for their best interests! It was a pleasure to work with her and Megastar Financial!”
★★★★★
– Kathleen B


“We have worked with Judy before. She is extremely efficient and communicates everything very well. We wouldn’t want to work with anyone else!”
★★★★★
– Brenda H.


“It’s amazing how Judy was always there, the communication from her was superb! I know Judy Stevens truly cares for her clients and looking out for their best interests! It was a pleasure to work with her and Megastar Financial!”
★★★★★
– Kathleen B


“Judy did a great job. I was updated regularly. If i buy another house i would like to have her do the processing again”
★★★★★
– Del W


“Judy has been wonderful every time we have utilized her services.”
★★★★★
– Margaret W.


“Judy was AMAZING I’m so happy and pleased with how everything went! As being a first time at this Judy helped and answered all questions we had! She made this experience so great! So glad we got to work with her!!!!!”
★★★★★
– Megan A.


“It was great”
★★★★★
– Marisa Bevens


“Judy is always professional, helpful, and available. I’ve been impressed from our very first interaction.”
★★★★★
– Chanin G.


“Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.”
★★★★★
– Reviewer Firstname Lastinnitial


“We have had the pleasure of working with Judy for over a decade. Begining in 2008 with the purchase of our fist home, we were obviously new to the process and overwhelmed by the amount of information coming our way. Judy was so knowledgeable and patient explaining everything to us and answering all of our questions. When we were ready to move on to our second home there was no question about who to call in brokering our next purchase. In 2015 Judy helped us to navigate the process of selling and buying at the same time. Most recently in 2021 we worked with Judy to refinance, her knowledge, understanding, quick responses, and updates were so helpful throughout the process. Judy is and will continue to be our 1st contact when we are ready for our next home or refinancing opportuinity. Thank you Judy for your continued support!”
★★★★★
– Matt R


“Judy has worked with us for over 15 years in all of our housing loan needs. She is not only professional and helpful, but kind and caring. She is efficient in her job and we have only had success using Megastar.”
★★★★★
– Erin S.


“I have used Judy for many years”
★★★★★
– Frank W


“This is the third time working with Judy. She is always great to work with and I would recommend her to anyone looking to get a mortgage or refinance.”
★★★★★
– Randall T


“I have worked with Judy in the past and she is the best! The only person I will work with!”
★★★★★
– Kyle B


“Very smooth and easy! Judy is fantastic!”
★★★★★
– Michelle B


“Judy has been my loan officer for the past 11 yrs and I continue to return to her as she is very professional and knowledgable. She always has the best interest of her clients in mind. As long as she is around, I will continue to seek her services!”
★★★★★
– Francine M


“Very happy whit the experience”
★★★★★
– Rene Dominguez


“I would not go anywhere else for a mortgage loan!”
★★★★★
– Jay S


“Judy was awesome! Very patient and informative. I greatly appreciated the assistance provided.”
★★★★★
– Shaina B


“Thank you for all the help you were very professional and helpful”
★★★★★
– Paula L


“Judy is a consistent classy loan officer, always a job well done.”
★★★★★
– Candy T.


“Judy always kept me informed of all the steps that I had to take for my refinancing. She was available whenever I had a question. I have worked with Judy before and have recommended her to friends”
★★★★★
– Rita P


“If you want it done right and on time, call Judy Stevens”
★★★★★
– Jerry W


“Judy is the best. This is the third time we have worked with her and she is always professional, prompt, and very communicative.”
★★★★★
– Amanda K.


“Judy is such an expert and a leader in this field and I often recommend her to all of my friends and family.”
★★★★★
– Jennifer


“Judy was extremely professional and a delight to work with! She helped walked us through every step of the process and could not have made things any easier. I would highly recommend her to anyone!”
★★★★★
– Marisa R.


“Judy is awesome! She is honest, straightforward, beyond helpful and has great communication. All of which makes the process so easy and painless. This is my second loan with her and I will continue to use her services and recommend her to everyone. She’s the best!”
★★★★★
– Lena F.


“Judy is awesome! Her knowledge and responsiveness are top notch! She ensures that all options are explored that you understand all steps in the process.”
★★★★★
– Paul F


“Our loan was challenging due to multiple closings happening in a short period of time; Judy did an outstanding job helping us navigate those uncharted waters.”
★★★★★
– Pam S


“Judy was a great professional with which to work. Her ability to keep us informed every step of the way was needed and much appreciated. Nothing was left to chance and her communication with us was exceptional. One huge plus was that she was always available for any questions we may have had.”
★★★★★
– Raylene B


“Judy was professional, friendly, very informative and a pleasure to work with on our closing.”
★★★★★
– Pam S


“Judy made everything super easy to understand!”
★★★★★
– Marshall M


“Judy is a trusted loan representative that we will use and the future if needed.”
★★★★★
– Satisfied Customer


“Judy was beyond helpful. She would call on the weekends with the latest information. When I was confused and asked about things she had already told me, she was always kind and gracious to go over it again. She informed us step by step through the loan process. We would highly recommend Judy to anyone.”
★★★★★
– Ruthie W


“Judy is trustworthy and patient.”
★★★★★
– Julie C.


“Judy was fabulous. We are so grateful to have confidence that we made the best decisions in buying our first home with her guidance.”
★★★★★
– Alison M


“Judy and her team are great communicators and kept me updated throughout the whole transaction and I appreciation that very much.”
★★★★★
– Dawn DW


“Very professional and responsive”
★★★★★
– Don C.


“Judy is great to work with, she is professional, proactive, responsive and friendly.”
★★★★★
– Don C


“Judy is the best! She is the only person we have and will ever work with! Her knowlege and expertise are the best bar none!”
★★★★★
– Garrett G


“Judy has helped us buy two houses and to refinance both of them. She was a huge help!!”
★★★★★
– Satisfied Customer


“Judy Stevens is the only one I will use for my and my families mortgage needs. She’s that good!”
★★★★★
– Charles E


“Judy is wonderful! We called her about a year or 2 ago to do a refi. At that time it wasn’t beneficial for us. She called us when she knew it was beneficial. The process was great even through the Covid19 pandemic.”
★★★★★
– Heather H


“Judy did an excellent job keeping our clients informed and reached out to me whenever needed. She also helped to remind me of things she needed so I really appreciated working with her!”
★★★★★
– Kelly M


“Judy is a professional at what she does. I loved working with her and her experience. I would truly recommend her to everyone I know looking for a loan Keep it up Judy! Loved working with you! Thanks”
★★★★★
– Dee Bell


“Judy was great! She responded quickly from the first time I reached out to her. Extremely knowledgeable and her communication through the process was great! I’ll definitely refer her to my friends and family.”
★★★★★
– Amy G


“Great job”
★★★★★
– Satisfied Customer


Regulated by the Division of Real Estate | MegaStar Financial Corp® Headquarters NMLS 3043 1080 Cherokee St, Denver CO 80204 | 1 (877) 922-8800 | Equal Housing Opportunity

“A good reason why you may want to offer below 5% is when you’re paying with cash (although companies who offer sellers cash for their home will typically offer 65% below market price).”

Publisher: HomeLight
Article: Is It Too Low? What Is Reasonable to Offer Below Asking Price
Link: https://tinyurl.com/2jp6kbmh

    1098 forms were mailed 1/22/2023. 

    If you have questions or need assistance with your 1098 form, please send your question to servicing@megastarfinancial.com.