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555 North Point Center E, 4th Floor, Office 455 Alpharetta, GA 30022 Mobile (404) 918-7463 Tel (404) 918-7463 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Conventional Loan
- FHA Loan
- Jumbo Loan
- Non-QM Loans
- VA Loan
Sandra Smith
- Originating Branch Manager
- Alpharetta, GA Mortgage Loan Officer
- NMLS #200651
I’ll be with you every step of the way
Hello! My name is Sandra. With over 20 years in the mortgage industry, I’m passionate about helping clients achieve homeownership. I specialize in a wide range of products at America’s #1 Retail Mortgage Lender, including CCM Equity Express, one-time-close construction, conventional, FHA, VA, USDA, DPA and Non-QM loan options. My approach is personal, honest and thorough. I take time to understand each client’s goals and guide them through every step. I’m known for closing on time (or early), offering clear communication and delivering top-tier service.
I love working with real estate agents, financial planners, attorneys and clients who return and refer. I’ve received multiple Mortgage Bankers Association of Georgia (MBAG) awards and am a proud member of the MBAG and Alpharetta Business Association.
Outside of work, I enjoy music, concerts, skiing, hiking and time with my family, friends and dogs. My motto is taken from Quincy Jones, “Love what you do. Be the labor great or small, do it well or not at all.
Sandra’s testimonials
Guides and resources
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.