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Sandra Smith
Senior Loan Officer
NMLS# 255924
About me
Welcome! I’m Sandra Smith, a licensed Senior Loan Officer (NMLS #255924) based in Walnut Creek, CA, with years of experience helping individuals and families achieve their dreams of homeownership.
Whether you're a first-time homebuyer navigating the process for the first time or a retiree exploring reverse mortgage options to unlock your housing wealth, I’m here to guide you with clarity, care, and confidence. My mission is to simplify the mortgage journey and ensure you feel informed and supported every step of the way.
I specialize in:
Home purchase loans for first-time buyers or returning buyers
Refinancing solutions to improve financial flexibility including fixed equity lines
Reverse mortgages to help retirees access equity and age in place
Personalized homeownership guidance tailored to your goals
My team and I take pride in preparing every loan file with precision, ensuring it’s ready for underwriting success. We stay connected beyond closing with bi-annual check-ins, offering ongoing support as your needs evolve.
Transparency and trust are at the heart of everything we do. All communications and marketing materials comply with federal and state regulations, including the SAFE Act, CFPB, RESPA, and TILA. You’ll never see misleading claims—just honest, accurate information designed to empower your decisions.
Let’s make your homeownership journey a success—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.
Product Info
home equity insights
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Testimonials
My loan Officer is Sandra Smith and WHOA! I am so glad I chose her. She was on a list with a whole bunch of people and I happened to want her. I've never met her or seen her before, more of my intuation. Out of all those people, she was the one. And, my intuition was right because she was always avialable to me, even when she wasn't, and she made things happen even when they seemed impossible. She pulled through for me in every way she could and I am forever grateful. She never let me down. It's an amazing feeling to know someone supports you through a process that is overwhelming. She provided not only her support, but comfort, guidance, knowledge and most importantly her time and she was kind. I enjoyed being under her and watching her do her thing these last months, which were tough but she managed and my family and I closed on our dream home. All Thanks to Ms. Sandra Smith! If I had to re do this whole thing all over, I'd pick her in a heart beat knowing what I know about her now. Thank you, Thank you, Thank you! Oh, she has the best laugh, be prepared to smile when you hear it.
Chris Strange is an amazing realtor that I have had the pleasure of working with. I watched his commitment to his client throughout the entire process and was amazed at how he fought for her. He is truly one of a kind and willing to go the extra mile no matter how difficult the requests were, he still explained everything to the client and made her feel like she was truly a part of a team. I would recommend him enthusiastically anytime... He's great!
As first-time homebuyers, we were nervous about the mortgage process—but working with Sandra made everything so much easier. From the beginning, it was clear that her knowledge, professionalism, and experience were exactly what we needed. She walked us through every step with patience and clarity, always making sure we understood what was happening. Sandra’s communication was outstanding—she responded quickly to every question, even on weekends, which made us feel truly supported throughout the entire process. It was a joy working with Sandra and we are so happy to have finally found our home.
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.
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!
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!
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