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Find the loan to fit your life

Putting Heart into Home Loans--Because People Matter Most

About me

As a seasoned mortgage lender licensed in Washington, Oregon, Arizona, and Montana, I'm dedicated to helping clients navigate the home loan process with confidence and clarity. Whether you're a first-time homebuyer, refinancing your current mortgage, or exploring new real estate opportunities, I'm here to guide you through every step of the journey.

I have a deep passion for working with first-time homebuyers. With a natural talent for education and a patient, supportive approach, I take pride in helping new homeowners understand the lending process and build a strong foundation for generational wealth through real estate.

Originally from Montana, I moved to the Pacific Northwest in 2001 and began my lending career in 2008. I recently purchased a vacation home back in my home state of Montana, where I enjoy the peace and beauty of the vast wilderness.

Outside of work, I'm a proud wife and mom of two. I love crafting, camping, boating, and making lasting memories with my family. I'm also deeply committed to giving back to the community and regularly volunteer with organizations like Love INC, United Way, our local VA center, and other community programs that make a meaningful impact.

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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

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Testimonials

Testimonials
4.94 out of 5.0 stars
5.0
5.0
4.91
4.96
Katie M
Aug 29, 2025
Verified

Sandi was wonderful and made the process feel easy. I would highly recommend working with her
Sarah
Aug 28, 2025
Belgrade, MT
Verified

Sandi was excellent. She answered all my questiond and was able to give good advice to help me make the best decisions for me.
Alan H
Aug 07, 2025
Verified

Sandi was very helpful through the home buying process. She was friendly and answered my questions thoroughly. She provided consistent updates through the process and clearly communicated any documents needed. Thanks, Sandi!
Sav H
Aug 06, 2025
Verified

I am very grateful for Sandi Milohov, and Shannon Cavanaugh, and the rest of the team, for the outstanding help they did for me and my family. It was not that easy, but they make it smooth, and easier on me and my husband. They are very professional. They guide us thoroughly throughout the process. Explain to us everything that we needed to learn from the process. Coordinates well with the underwriting and rest of the team. The best so far .
Kelly
Aug 01, 2025
Vancouver, WA
Verified

Always client focused and shows she cares!
Chad
Jul 28, 2025
Kelso, WA
Verified

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Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

NMLS ID #114287
I am authorized to do business in the states of Arizona, Montana, Oregon and Washington. AZ BK#0018883; AZ BKBR# 0116760; AZ LO Lic.# 1037598; Branch NMLS ID 433939; OR ML-176;