8000 Avalon Blvd, Suite 100 Office 202
Alpharetta, GA 30009 Mobile 404.918.7463 Tel 404.918.7463 [email protected]
- 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
- Conventional Loan
- FHA Loan
- Jumbo Loan
- Non-QM Loans
- VA Loan
- Alpharetta, GA
- Roswell, GA
- Cumming, GA
- Webb Bridge, GA
- Duluth, GA
- Suwanee, GA

Your Local CrossCountry Mortgage Loan Officer

Sandra Smith

Originating Branch Manager
Alpharetta, GA Mortgage Loan Officer
NMLS # 200651

America’s #1 Retail Mortgage Lender

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.

See What I Qualify For

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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.

By proceeding, I consent by electronic signature to receive calls and SMS text messages from CrossCountry Mortgage, LLC at the phone number I have provided, for any purpose, including loan inquiries, marketing, sales, and informational communications. I understand and agree that these calls and text messages may be made by any means or technology, including an automatic telephone dialing system or other automated system for the selection and dialing of telephone numbers, a prerecorded or artificial voice, or an AI-generated voice. I also understand and agree that my consent to calls and texts from CrossCountry Mortgage, LLC is not required to purchase products from or use the services of CrossCountry Mortgage, LLC, and that I may contact CrossCountry Mortgage, LLC at (877) 351-3400 about its products and services at any time. I understand that I may cancel this consent at any time. Reply STOP to discontinue SMS text messages. For help, reply HELP, call us at 844-940-2272 or email [email protected]. Message and data rates may apply. Message frequency varies. Terms and Conditions and Privacy Policy apply.

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.

A family celebrates achieving their dream of owning their first home.

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.

Get Started – Fixed Get Started – Flex

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

Buying Your First Home Is Possible

Are you dreaming of owning your own home, but it feels impossible to get started? Navigating the homebuying process can be overwhelming, but you’re more ready than you think!

We guide you every step of the way – simplifying the process and shaping your homebuying power, so you feel confident all the way home.

Let’s get started