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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
4.92
4.93
Hector
Jul 04, 2025
San Francisco, CA
Verified

Sandra was just excellent, very patient, very knowledgeable and understanding. everything was explained in high detail, and the rates were good. We felt we were in good hands with Sandra and with Guild.
Sam M
Jun 17, 2025
Verified

Working with Sandra was a wonderful and smooth experience. She is a seasoned professional who guided me as a first time homebuyer through everything with patience and clarity. She was incredibly responsive, friendly, and knowledgeable. I recommend her without reservation!
Chris S
Jun 03, 2025
Verified

Sandra Smiths expertise can’t be matched in this industry! Being in the industry over 13 years and selling over 1000 homes she is in the top 1% that I’ve worked with. We were blessed to put this single mom into the homeownership club with close to $200,000 of grant support all with the guidance of Sandra!
CHRIS
Jun 02, 2025
Hayward, CA
Verified

Sandra Smith is the ultimate profesional!! I love working with her knowing that her wealth of knowledge is going to get us all the way to the finish line. Her Experiance gets us through any and all hurdles that arise. I've been selling real estate for over 13 years and as a team leader have been apart of over 1000 transactions. Sandra is top 1% of the lenders I have closed with!
CASSANDRA
Mar 31, 2025
Berkeley, CA
Verified

Loan Officer was ver kind and knowledgeable.
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!

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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;