Skip to content
Sandra Smith photo

Your Local CrossCountry Mortgage Loan Officer

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

Leave a Review See more testimonials

My social posts

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

Friends enjoying dinner in an updated kitchen after completing home improvements with the help of CCM Equity Express.
A woman in her home office is excited to learn about down payment assistance options.
First responders take action to emergency call.

Tap into your home equity – fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity. 

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days. 

Down Payment Assistance

Turn years from now into today 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash. 

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply. 

We make home happen. Contact me today to see which option is best for you. 

Learn more

CCM Line of Duty Death Benefit

Our exclusive Line of Duty Death Benefit is designed to provide financial protection to the families of first responders. This complimentary, one-time benefit cancels the balance of your mortgage, up to $525,000, should you fall in the line of duty. It’s our way of saying thank you. 

Inspiration for your home loan journey

View All
First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

Learn More
Exterior of a ranch style home whose mortgage is going through a refinance.

When to Refinance a Mortgage

Learn More

What Are Conforming Loan Limits?

Learn More

Frequently asked questions

I’d love to hear from you.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to be contacted by CrossCountry Mortgage or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.