<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=750730591729193&amp;ev=PageView&amp;noscript=1">
Sandy_Johnson.png

Branch Manager

Sandy Johnson

NMLS #75395

Branch Manager/Loan Advisor • Everett Branch

Phone: 425.903.3173
Cell: 425.327.8789
Fax: 425.903.3858
Licensed in WA

About Sandy


I have been in the mortgage industry for 25 years; the past 20 as both a loan officer and a branch manager. I’m told that my extensive knowledge, coupled with my integrity, makes working with me a pleasant, seamless (as can be with today’s regulations!) and an overall rewarding experience. As a respected and trusted leader in the local mortgage industry, 100% of my business comes from referrals.

I truly care and am committed to my clients. I listen to their needs and consider their entire financial picture in their overall mortgage strategy. I provide reliable advice to ensure my clients understand their options and can make informed decisions. I won’t refinance a loan or put someone in a loan at all unless it truly fits their needs and is beneficial. Communication is important, but integrity and honesty are my utmost priority in business.

I’m a lifelong resident of Snohomish County, WA. and grew up on a dairy farm in Snohomish where my parents both continue to reside. My husband, Russ, and I have 4 adult children, 1 grandson and 3 dogs. In my free time, I enjoy traveling by air or in our motorhome, spending time with my family, and playing all kinds of card games. I also am an animal lover and love to rescue them.

Growing up on a farm and having had chores from age 5 on and watching my Dad work 7 days a week taught me to have a very strong work ethic. I truly love what I do and it’s such a great feeling to be able to help my clients with one of their greatest investments – their home!

Branch Address: 808 134th Street SW, Ste 205 Everett, WA 98204

What our customers are saying...

" Sandy provided detailed, easy to understand and thorough information related to our recent home purchase. She worked with us for years and was flexible, patient and quick. She answered every question we had providing all the information in a way we, as first home buyers, understood. I really appreciate her prompt replies with everything we put her way. "

K. Carpenter

"Sandy was extremely helpful. Being a first time home owner I was weary of lenders. Sandy put me at ease and explained everything simply"

R. Gianneschi

"Sandy helped us every step of the way in the mortgage process. She is very friendly, professional, knowledgeable and attentive to all our needs."

S.Burman

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

Download Now

Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

Download Now

5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

Download Now

Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

Download Now

Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

Download Now

Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

Download Now

Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. Keys on Time Guarantee With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and List Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

Home Buyer Blog