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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

As your Senior Loan Officer, with years of experience in the mortgage industry, I bring passion, knowledge, and energy to every transaction. I enjoy and take great pride in assisting you on your journey of purchasing or refinancing your home. I make sure you feel informed and comfortable throughout the entirety of your contract, while remaining connected to my clients by providing bi-annual check-ins in the years to come. My team and I get VERY involved with making sure that ALL items are prepared best to present to underwriting for success. We are committed to helping you purchase the home of your dreams… let’s make it happen TOGETHER!!!

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials
4.96 out of 5.0 stars
5.0
4.91
4.92
Thai W
Mar 19, 2025
Verified

Sandra Smith has been my lender for the past 4months 9days, and I cannot express enough how incredible she has been throughout my home-buying journey. From the very beginning, Sandra took complete ownership of my case, guiding me every step of the way with patience, expertise, and unwavering dedication. She has gone above and beyond to ensure that everything was taken care of, from helping me navigate Down Payment Assistance to advising me on retirement withdrawals and other financial details. Sandra has spent countless hours on the phone with me, often early in the morning, meticulously working through every aspect of my case. Despite her busy schedule and other clients, she always made me feel like a priority. Her commitment and hard work have been nothing short of extraordinary. Without Sandra’s tireless efforts, I truly believe I would not have been able to purchase my condo. I am beyond grateful for Sandra’s support and expertise. She doesn’t just do her job—she goes the extra mile, far beyond what anyone could expect. She deserves not just a raise, but all the recognition in the world. If I could give her a trillion kudos and a trillion stars, I would. There simply aren’t enough words or accolades to fully capture how amazing Sandra Smith is. I wholeheartedly recommend her to anyone looking for a lender who genuinely cares and will fight for your dreams. Thank you, Sandra, for making this possible!
A. M
Feb 26, 2025
Verified

Sandra is an exception and very personal lender. She pays attention to the little details and works hard for her clients. And lets face it, this is no easy time trying to get into the "dream of your life Home!" I feel Sandra is an asset to the mortgage industry and Guild. She's no stranger to hard-work, sleepless nights and getting you to the finish-line to close. Her dedication, commitment and insight, continuously demonstrates the latest knowledge of lending products and services; to be able to get her clients the best deals possible with the least amount of stress. My interactions with Sandra over the many years have been nothing short of positive and rewarding. Thank-you Sandra for your help and dedication.
Ismael R
Nov 06, 2024
Verified

Sandra's ability to build genuine and honest rapport with us was the reason we closed with Guild. She was available when we needed her and guided us throughout the whole process making sure we learned so much as first time homebuyers. Sandra made this journey and milestone less daunting and empowered us as buyers. We trusted her expertise and appreciated her easy going and approachable nature. We never felt like any of our questions went unanswered. She always ensured we understood everything. She was transparent which we also appreciated. Sandra is an exemplary loan officer and human being. We feel so lucky to have met her and look foward to recommending her to other interested buyers
Ismael
Nov 06, 2024
Verified

Sandra's ability to build genuine and honest rapport with us was the reason we closed with Guild. She was available when we needed her and guided us throughout the whole process making sure we learned so much as first time homebuyers. Sandra made this journey and milestone less daunting and empowered us as buyers. We trusted her expertise and appreciated her easy going and approachable nature. We never felt like any of our questions went unanswered. She always ensured we understood everything. She was transparent which we also appreciated. Sandra is an exemplary loan officer and human being. We feel so lucky to have met her and look foward to recommending her to other interested buyers
Wanda P
Nov 06, 2024
Verified

Nice! Friendly and Helpful.
Wanda
Nov 04, 2024
Oakland, CA
Verified

Guild Mortgage has access and information on several products to help your client in the homebuying process. Thank you Sandra

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #255924
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;