Sandra Smith
Senior Loan Officer
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
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.
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.
Home equity insights
For homebuyers
For homeowners
Learn how much your home is worth
For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.
Testimonials
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;