Characterizing near surface soils, rock and groundwater conditions is one of most, if not the most important step in geotechnical engineering to achieve successful design of infrastructure and minimize the risks associated with the uncertainty within the subsurface. However, the standard practice for ground exploration still relies on field borings or in-situ tests at discrete locations and requires assumptions of the subsurface conditions between discrete exploration locations. These assumptions may not lead to reasonable estimates of the strata especially when saturated loose/soft soils exist within the subsurface. Current practice does not generally capture the spatial and temporal changes within the subsurface. Surface wave tomography is a feasible method to provide complementary data to better understand the continuity of soil strata as well as to potentially monitor temporal changes. It may also be used to determine best locations for invasive testing. Surface wave tomography methods are frequently used to delineate soil-rock interface and determine average shear wave velocity for seismic site class determination. Delineation within the soils layers where the change in seismic velocity within the soil layers are relatively small requires higher resolution data collection and enhanced processing methods than those used historically in surface wave tomography. This study uses a patented imaging and monitoring system[ ] based on the passive seismic interferometry technique augmented by active seismic sources at known locations. A dense nodal array of MEMs accelerometers were deployed at a site where known saturated loose materials exist. This paper presents Vs data deduced from surface wave measurements where various Vp/Vs ratios were considered, especially showing the effect of Vp/Vs ratio, on the Vs data. This ratio which was traditionally assumed can have a significant effect on the inferred Vs. This paper also presents the comparison of deduced Vs data to measured Vs data by crosshole seismic and seismic cone penetration test and makes some recommendations for how to improve the methods to determine shear wave velocity in soft/loose soils.